Ford Explorer Car Insurance Cost 2025
Getting insurance for a Ford Explorer costs an average of $1,089 per year. However, the exact cost can vary depending on factors such as your age, location, the year of the car model, and other personal considerations. Use our quote tables below to get an estimate tailored to your specific circumstances.
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If you’re thinking about buying a Ford Explorer, one crucial factor to consider is the cost of insurance. On average, insurance for a Ford Explorer costs $1,089 per year. Insurance plays a major role in car ownership, and it’s important to understand its implications before making your purchase.
Failing to choose the right car insurance policy can result in unexpected and potentially high expenses in the future. It’s essential to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve witnessed significant variations in costs. Factors such as your age, driving record, and even your location can have a considerable impact on your insurance premiums.
How Much Does A Ford Explorer Car Insurance Cost?
Typically, Ford Explorer drivers can find car insurance at an average rate of $1,089 per year.
The cost of car insurance for a Ford Explorer can vary greatly based on several factors. These include your location, driving history, the car’s model year, and your selected coverage options. Maintaining a clean driving record can help you secure lower premiums, while accidents or traffic violations can result in higher costs.
Additionally, urban areas with heavy traffic often have higher insurance rates compared to rural locations with less traffic. The type of coverage you choose also plays a significant role—comprehensive insurance, which includes both collision and non-collision coverage, typically costs more than minimum liability insurance.
Interestingly, the cost of insuring a Ford Explorer is lower than the average cost for all Ford models and also below the average for all cars. To find the best rates, Insuranceopedia provides tools to compare quotes from various auto insurance companies, helping you secure the most cost-effective coverage for your needs.
| Vehicle | Average Monthly Premium |
| Ford Explorer | $143 |
| All Audis | $163 |
| All Cars | $175 |
Average Insurance Cost Of Ford Explorer By Model Year
| Model Year | Average Premium |
| 2024 Ford Explorer | $1,647 |
| 2023 Ford Explorer | $1,035 |
| 2022 Ford Explorer | $661 |
| 2021 Ford Explorer | $666 |
| 2020 Ford Explorer | $406 |
| 2019 Ford Explorer | $665 |
| 2018 Ford Explorer | $648 |
| 2017 Ford Explorer | $478 |
| 2016 Ford Explorer | $422 |
| 2015 Ford Explorer | $533 |
| 2014 Ford Explorer | $360 |
| 2013 Ford Explorer | $472 |
| 2012 Ford Explorer | $479 |
| 2011 Ford Explorer | $558 |
| 2010 Ford Explorer | $361 |
2024 Ford Explorer Insurance Rates
The average annual insurance cost for a 2024 Ford Explorer is $1,647. However, SECURA Insurance offers the cheapest rates, averaging $1,089 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Ins of MI | $2,055 |
| SECURA Insurance | $1,089 |
| Auto-Owners Insurance Co | $1,481 |
| USAA | $1,360 |
| Travelers | $2,056 |
| Hastings Mutual Insurance Co | $1,970 |
| MEEMIC Insurance Company | $2,120 |
| Wolverine Mutual | $1,547 |
| Chubb | $1,597 |
| Metropolitan | $1,192 |
2023 Ford Explorer Insurance Rates
The average annual insurance cost for a 2023 Ford Explorer is $1,035. However, Kemper Auto | Infinity offers the cheapest rates, averaging $574 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $624 |
| Nationwide | $1,345 |
| Rockford Mutual Insurance | $1,118 |
| Safeco | $931 |
| Pekin Insurance | $803 |
| Country | $1,335 |
| First Chicago Insurance | $1,424 |
| Kemper Auto | Infinity | $574 |
| SECURA Insurance | $1,140 |
| National General | $1,056 |
2022 Ford Explorer Insurance Rates
The average annual insurance cost for a 2022 Ford Explorer is $661. However, Safeco offers the cheapest rates, averaging $337 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $517 |
| NatGen Value | $471 |
| Mercury Insurance | $519 |
| National General Value | $342 |
| Pekin Insurance | $1,000 |
| Titan | $929 |
| NatGen Advantage | $639 |
| NatGen PPA | $905 |
| Safeco | $337 |
| Buckeye Insurance Group | $948 |
2021 Ford Explorer Insurance Rates
The average annual insurance cost for a 2021 Ford Explorer is $666. However, National General RAD offers the cheapest rates, averaging $242 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $661 |
| Victoria | $886 |
| Dairyland FR Bond | $357 |
| Buckeye Insurance Group | $768 |
| American National P | $737 |
| National General RAD | $242 |
| Commerce Group Inc | $727 |
| NatGen PPA | $723 |
| Concord Group | $856 |
| Safeco | $705 |
2020 Ford Explorer Insurance Rates
The average annual insurance cost for a 2020 Ford Explorer is $406. However, AssuranceAmerica Elite offers the cheapest rates, averaging $116 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $345 |
| Dairyland Broadform | $305 |
| Safeco | $479 |
| Direct General | $517 |
| AssuranceAmerica Economy | $161 |
| AssuranceAmerica Elite | $116 |
| American National P | $588 |
| NatGen PPA | $251 |
| NatGen Custom 360 | $631 |
| American National P&C | $666 |
2019 Ford Explorer Insurance Rates
The average annual insurance cost for a 2019 Ford Explorer is $665. However, NatGen Custom 360 offers the cheapest rates, averaging $198 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $485 |
| Bear River | $705 |
| Direct Auto | $870 |
| Kemper Personal Insurance | $954 |
| Texas Farm Bureau Group | $951 |
| NatGen Value | $354 |
| NatGen Custom 360 | $198 |
| American National P | $607 |
| Mercury Insurance | $523 |
| Kemper Auto | Infinity | $1,000 |
2018 Ford Explorer Insurance Rates
The average annual insurance cost for a 2018 Ford Explorer is $648. However, Safeco offers the cheapest rates, averaging $257 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $257 |
| Virginia Farm Bureau | $873 |
| AssuranceAmerica Mobile Max | $575 |
| NatGen Custom 360 | $333 |
| West Bend Mutual | $890 |
| Rural Mutual Insurance | $718 |
| SECURA Insurance | $977 |
| Infinity Special | $692 |
| Mercury Insurance | $676 |
| American National P | $487 |
2017 Ford Explorer Insurance Rates
The average annual insurance cost for a 2017 Ford Explorer is $478. However, Kemper Personal Insurance offers the cheapest rates, averaging $123 per year.
| Insurance Provider | Average Annual Cost |
| American National P&C | $523 |
| American National P | $683 |
| Dairyland Auto 1 Month | $646 |
| NatGen Value | $646 |
| Mercury Insurance | $354 |
| NatGen Custom 360 | $394 |
| Kemper Personal Insurance | $123 |
| Dairyland FR Bond | $442 |
| Safeco | $211 |
| Dairyland Broadform | $760 |
Find Affordable Ford Explorer Insurance Rates
2016 Ford Explorer Insurance Rates
The average annual insurance cost for a 2016 Ford Explorer is $422. However, Kemper Personal Insurance offers the cheapest rates, averaging $135 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $322 |
| Kemper Personal Insurance | $135 |
| Dairyland Broadform | $202 |
| AssuranceAmerica Mobile Max | $324 |
| Safeco | $264 |
| Buckeye Insurance Group | $748 |
| Dairyland FR Bond | $969 |
| American National P | $498 |
| Mercury Insurance | $220 |
| Infinity Special | $536 |
2015 Ford Explorer Insurance Rates
The average annual insurance cost for a 2015 Ford Explorer is $533. However, Kemper Personal Insurance offers the cheapest rates, averaging $98 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $98 |
| Bear River | $686 |
| Safeco | $228 |
| AssuranceAmerica Mobile Max | $182 |
| American National P&C | $523 |
| Concord Group | $845 |
| North Carolina Farm Bureau | $837 |
| American National P | $769 |
| SECURA Insurance | $805 |
| Mercury Insurance | $353 |
2014 Ford Explorer Insurance Rates
The average annual insurance cost for a 2014 Ford Explorer is $360. However, Kemper Personal Insurance offers the cheapest rates, averaging $58 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $179 |
| NatGen Custom 360 | $330 |
| Dairyland Broadform | $144 |
| Mercury Insurance | $278 |
| Kemper Personal Insurance | $58 |
| MMG Insurance Company | $798 |
| Concord Group | $634 |
| NatGen PPA | $556 |
| American National P | $535 |
| Safeco | $85 |
2013 Ford Explorer Insurance Rates
The average annual insurance cost for a 2013 Ford Explorer is $472. However, Kemper Personal Insurance offers the cheapest rates, averaging $67 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $562 |
| Buckeye Insurance Group | $829 |
| Mercury Insurance | $373 |
| American National P | $582 |
| Safeco | $88 |
| Kemper Personal Insurance | $67 |
| Commerce Group Inc | $868 |
| NatGen Custom 360 | $99 |
| Utica National Ins Group | $851 |
| AssuranceAmerica Mobile Max | $396 |
2012 Ford Explorer Insurance Rates
The average annual insurance cost for a 2012 Ford Explorer is $479. However, Kemper Personal Insurance offers the cheapest rates, averaging $62 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $554 |
| Kemper Auto | Infinity | $694 |
| Safeco | $91 |
| SafeAuto | $813 |
| NatGen Custom 360 | $171 |
| American National P | $555 |
| SECURA Insurance | $829 |
| Kemper Personal Insurance | $62 |
| Mercury Insurance | $294 |
| Countryway Insurance | $731 |
2011 Ford Explorer Insurance Rates
The average annual insurance cost for a 2011 Ford Explorer is $558. However, Safeco offers the cheapest rates, averaging $136 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $776 |
| NatGen Custom 360 | $218 |
| NatGen PPA | $502 |
| MMG Insurance Company | $896 |
| Infinity Special | $585 |
| American National P | $667 |
| North Carolina Farm Bureau | $779 |
| Mercury Insurance | $257 |
| Concord Group | $766 |
| Safeco | $136 |
2010 Ford Explorer Insurance Rates
The average annual insurance cost for a 2010 Ford Explorer is $361. However, Safeco offers the cheapest rates, averaging $52 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $163 |
| National General RAD | $508 |
| Dairyland FR Bond | $160 |
| North Carolina Farm Bureau | $566 |
| Kemper Auto | Infinity | $473 |
| Dairyland Broadform | $298 |
| Safeco | $52 |
| American National P | $541 |
| Clearcover | $638 |
| Mercury Insurance | $207 |
Find Affordable Ford Explorer Insurance Rates
Is A Ford Explorer Expensive To Insure?
Insuring a Ford Explorer generally costs less than the overall average for all cars. However, your actual insurance premium can vary depending on several factors, including your age, the car’s age, your location, and other personal details. Each of these elements contributes to how insurers assess your risk profile and determine your exact rate.
Cost of Ford Explorer Car Insurance By Age
Age is a key factor in determining car insurance premiums. Teenagers, especially those under 25, typically face the highest rates because they are statistically more likely to be involved in accidents. As drivers get older and gain more experience, their premiums usually decrease because they are considered lower risk. In general, rates tend to continue decreasing until around the age of 65, at which point they may begin to rise again due to factors like aging and potential health concerns that could impact driving.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,978 | $11,775 | $13,750 |
| 18 | $7,423 | $10,993 | $12,816 |
| 19 | $6,572 | $9,682 | $11,347 |
| 20 | $5,761 | $8,487 | $9,854 |
| 21 | $4,786 | $7,079 | $8,322 |
| 22 | $4,658 | $6,927 | $8,088 |
| 23 | $4,123 | $6,039 | $7,043 |
| 24 | $3,915 | $5,775 | $6,658 |
| 25 | $3,401 | $4,966 | $5,816 |
| 30 | $2,580 | $3,877 | $4,504 |
| 35 | $2,478 | $3,577 | $4,185 |
| 40 | $2,340 | $3,462 | $4,090 |
| 45 | $2,280 | $3,409 | $3,985 |
| 55 | $2,072 | $3,070 | $3,665 |
| 65 | $2,221 | $3,268 | $3,778 |
| 75 | $2,736 | $4,041 | $4,740 |
Ford Explorer Car Insurance Rates By State
Where you live can significantly impact your auto insurance rates. Different states have varying laws and requirements, which can influence premiums. For instance, states like Michigan have higher coverage requirements, often resulting in higher premiums for drivers in those areas. Additionally, living in a region prone to extreme weather events such as hurricanes or flooding may lead insurance companies to charge higher rates due to the increased risk of vehicle damage. Areas with high rates of car theft or vandalism also typically have higher premiums, as the likelihood of claims increases. Lastly, regions with higher accident rates and fatality statistics tend to see elevated insurance costs. Insurance companies take all these local factors into account, along with your driving history and vehicle model, to calculate your rates. It’s always a good idea to compare different providers to find the best deal.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,482 | $3,623 | $4,606 |
| Alaska | $2,088 | $2,869 | $2,773 |
| Arizona | $2,383 | $3,347 | $5,032 |
| Arkansas | $2,560 | $4,040 | $4,408 |
| California | $2,876 | $5,054 | $2,828 |
| Colorado | $2,660 | $3,773 | $4,709 |
| Connecticut | $3,378 | $5,301 | $6,755 |
| Delaware | $2,841 | $3,792 | $4,815 |
| Florida | $3,382 | $4,660 | $6,020 |
| Georgia | $2,745 | $4,097 | $4,157 |
| Hawaii | $1,064 | $1,489 | $1,112 |
| Idaho | $1,930 | $2,491 | $3,035 |
| Illinois | $2,009 | $3,051 | $3,449 |
| Indiana | $2,043 | $3,122 | $3,525 |
| Iowa | $1,623 | $2,190 | $2,591 |
| Kansas | $2,125 | $3,116 | $3,660 |
| Kentucky | $3,122 | $4,579 | $5,428 |
| Louisiana | $4,021 | $6,020 | $6,550 |
| Maine | $1,561 | $2,048 | $3,066 |
| Maryland | $2,436 | $3,607 | $3,957 |
| Massachusetts | $1,916 | $3,422 | $1,978 |
| Michigan | $4,723 | $7,239 | $11,417 |
| Minnesota | $1,900 | $2,646 | $3,611 |
| Mississippi | $2,381 | $3,338 | $3,341 |
| Missouri | $2,234 | $3,210 | $4,178 |
| Montana | $2,297 | $3,173 | $3,630 |
| Nebraska | $1,944 | $2,799 | $3,103 |
| Nevada | $3,155 | $4,614 | $4,876 |
| New Hampshire | $2,220 | $3,407 | $4,337 |
| New Jersey | $2,441 | $3,821 | $4,941 |
| New Mexico | $2,461 | $3,697 | $3,797 |
| New York | $2,250 | $2,830 | $4,768 |
| North Carolina | $1,439 | $2,437 | $1,757 |
| North Dakota | $1,919 | $2,937 | $3,508 |
| Ohio | $1,748 | $2,696 | $2,762 |
| Oklahoma | $2,746 | $3,981 | $4,482 |
| Oregon | $2,495 | $3,320 | $4,015 |
| Pennsylvania | $2,067 | $3,070 | $3,613 |
| Rhode Island | $3,535 | $5,200 | $5,849 |
| South Carolina | $2,351 | $3,279 | $4,601 |
| South Dakota | $2,190 | $3,128 | $3,535 |
| Tennessee | $2,524 | $3,704 | $4,932 |
| Texas | $2,587 | $3,685 | $4,561 |
| Utah | $2,139 | $3,070 | $4,149 |
| Vermont | $1,645 | $2,591 | $2,716 |
| Virginia | $1,531 | $2,364 | $2,347 |
| Washington | $2,084 | $2,829 | $3,380 |
| West Virginia | $2,053 | $2,984 | $3,698 |
| Wisconsin | $2,047 | $3,270 | $3,706 |
| Wyoming | $1,963 | $2,767 | $2,914 |
Find Affordable Ford Explorer Insurance Rates
Cheapest Car Insurance Companies For A Ford Explorer
If you’re planning to purchase a new car insurance policy for your Ford Explorer, you may be interested in knowing which companies offer the most affordable options. For drivers seeking the lowest premiums, MetroMile offers a policy starting at $34 per month, making it the cheapest provider for a Ford Explorer. However, it’s important to note that rates can vary based on your individual driver profile. To ensure you find the best deal for your specific needs, it’s recommended to shop around and compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| American Family | $35 |
| Dashers | $39 |
| AnchorGeneral | $36 |
| MetroMile | $34 |
| Aspire | $37 |
Common Ford Explorer Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. Most auto insurance providers offer a range of discounts, with some common options to consider:
- Multi-policy: Bundling your home and auto insurance with the same provider can often secure you a lower rate.
- Pay annually: Paying your premium in a lump sum rather than monthly installments can lead to savings.
- Defensive driving: Completing a certified defensive driving course can make you eligible for discounted premiums.
Additionally, there may be other discounts tailored to your situation. Consult your insurance agent, who can guide you in identifying and applying for discounts you qualify for.
Ways To Save On Ford Explorer Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Ford Explorer insurance premiums low. Traffic violations like speeding tickets or involvement in accidents can significantly increase your costs. For instance, Ford Explorer drivers with a ticket on their record typically pay about $91 per month, while those with multiple accidents see an average monthly premium of $140. Avoiding such incidents helps keep your insurance rates affordable.
Additionally, annual mileage impacts insurance costs. Drivers with lower mileage are less likely to experience accidents, making them a lower risk for insurers. Those driving 7,501-10,000 miles annually pay an average of $82 per month, while those exceeding 10,000 miles pay slightly less, around $80 per month.
Compare Ford Explorer To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from leading auto insurance providers. The sample profile used was that of a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it’s important to note that the figures in this guide may vary from your personal insurance costs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Ford Explorer?
Yes, you will need to provide proof of insurance before you can drive your Ford Explorer off the dealership lot. The best approach is to purchase a policy and then inform your insurance company that you are about to buy the car, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Ford Explorer?
The best way to find the cheapest rates for your Ford Explorer is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to easily compare quotes from multiple providers right here on our website.
