Ford Explorer Car Insurance Cost
Securing insurance for a Ford Explorer typically amounts to about $1,089 annually through SECURA Insurance. However, the exact expenses can vary based on factors like your age, the year of your car model, and other considerations. Please refer to our quote tables below to determine the potential cost tailored to your circumstances.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Ford Explorer, one crucial factor to consider is the cost of insurance. 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 Ford Explorer Car Insurance Cost?
Typically, SECURA Insurance provides the most competitive price, averaging $1,089 annually, for full coverage insurance on a 2023 Ford Explorer.
While New York Central Mutual Fire’s pricing serves as a useful benchmark, it’s crucial to recognize that car insurance costs can vary significantly based on various factors. These factors include your location, driving history, the year of your car model, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a history of accidents or traffic violations can raise your costs.
Moreover, residing in urban areas with heavy traffic may lead to higher rates compared to rural areas with lighter traffic. The type of coverage you opt for will also affect your premium; comprehensive coverage, encompassing both comprehensive and collision coverage, generally costs more than minimum liability coverage.
Insuranceopedia is available to assist you in exploring and comparing quotes from different insurance companies to ensure you secure the best deal.
2024 Ford Explorer Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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 |
2016 Ford Explorer Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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 |
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Cost of Ford Explorer Car Insurance By Age
| 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
| 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 |
Compare Ford Explorer To Other Ford Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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