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Ford Explorer Insurance Rates [How to Find Low Rates Online]

If you want to buy cheap Ford Explorer insurance coverage then you should know that a policy will cost $109 per month ($1,308 per year) on average. Mature drivers with good driving records may find rates as low as $769 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 2020

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Key takeaways:

  • Full coverage costs around $1,308 a year or $109 each month
  • A liability-only policy costs around $524 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,781 a year or $398 each month
  • Good drivers can save as much as $539 a year by earning policy discounts
  • Ford Explorer insurance costs around $211 less per year than the average vehicle

Ford Explorer insurance rates are about $211 less per year than the average vehicle, coming in at around $1,308 a year or $109 a month for full coverage. Older Ford Explorers may just need liability coverage, which averages $524 a year or $44 a month. Good drivers can save up to $539 a year with policy discounts for remaining claim-free. Let’s look at Ford Explorer insurance rates, safety ratings, and more.

You can start comparing quotes for Ford Explorer car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Explorer Insurance Cost

The average Ford Explorer auto insurance rates are $1,308 a year or $109 a month.

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Are Ford Explorers Expensive to Insure?

The chart below details how Ford Explorer insurance rates compare to other SUVs like the Mitsubishi Outlander, Kia Sorento, and Lexus LX 570.

Vehicle Comprehensive Collision Liability Total
Ford Explorer $308 $470 $372 $1,308
Mitsubishi Outlander $306 $542 $332 $1,316
Kia Sorento $322 $562 $372 $1,414
Lexus LX 570 $444 $834 $398 $1,834
Hyundai Santa Fe $294 $562 $372 $1,386
Mazda CX-9 $332 $542 $390 $1,422
Chevrolet Traverse $336 $470 $316 $1,258

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Explorer Insurance?

The Ford Explorer trim and model you choose can impact the total price you will pay for Ford Explorer car insurance coverage.

Age of the Vehicle

The average Ford Explorer auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Explorer cost $1,308, while 2010 Ford Explorer rates are $1,092, a difference of $216.

Model Year Comprehensive Collision Liability Total
2020 Ford Explorer $308 $470 $372 $1,308
2019 Ford Explorer $294 $452 $390 $1,294
2018 Ford Explorer $282 $448 $398 $1,286
2017 Ford Explorer $272 $436 $416 $1,282
2016 Ford Explorer $262 $418 $430 $1,268
2015 Ford Explorer $248 $404 $442 $1,252
2014 Ford Explorer $238 $374 $452 $1,222
2013 Ford Explorer $230 $352 $456 $1,196
2012 Ford Explorer $220 $316 $460 $1,154
2011 Ford Explorer $206 $292 $460 $1,116
2010 Ford Explorer $198 $272 $464 $1,092

Driver Age

Driver age can have a significant impact on Ford Explorer auto insurance rates. For example, 20-year-old drivers pay approximately $1,599 more each year for their Ford Explorer auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in Los Angeles may pay $187 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Ford Explorer auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Explorer car insurance with violations on their driving record.

Ford Explorer Safety Ratings

Your Ford Explorer auto insurance rates are influenced by the Ford Explorer’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Ford Explorer Crash Test Ratings

If the Ford Explorer crash test ratings are good, you could have lower Ford Explorer car insurance rates. See Ford Explorer crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Ford Explorer SUV RWD 5 stars 5 stars 5 stars 4 stars
2020 Ford Explorer SUV 4WD 5 stars 5 stars 5 stars 4 stars
2020 Ford Explorer PHEV SUV RWD N/R N/R N/R N/R
2020 Ford Explorer PHEV SUV 4WD N/R N/R N/R N/R
2020 Ford Explorer HEV SUV RWD 5 stars 5 stars 5 stars 4 stars
2020 Ford Explorer HEV SUV 4WD 5 stars 5 stars 5 stars 4 stars
2019 Ford Explorer 4 DR SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Ford Explorer 4 DR SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Explorer 4 DR SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Explorer 4 DR SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Explorer 4 DR SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Explorer 4 DR SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Explorer 4 DR SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Explorer 4 DR SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Explorer Safety Features

Having a variety of safety features on your Ford Explorer can help lower your Ford Explorer insurance costs. The Ford Explorer’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Explorer Insurance Loss Probability

The lower percentage means lower Ford Explorer car insurance rates; higher percentages mean higher Ford Explorer auto insurance rates. Insurance loss probability on the Ford Explorer fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -20%
Property Damage -10%
Comprehensive -21%
Personal Injury -25%
Medical Payment -30%
Bodily Injury -18%
Source: Insurance Institute for Highway Safety

Ford Explorer Finance and Insurance Cost

If you are financing a Ford Explorer, you will pay more if you purchase Ford Explorer auto insurance at the dealership, so be sure to shop around and compare Ford Explorer auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Explorer Insurance

You have more options at your disposal to save money on your Ford Explorer auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Explorer car insurance rates

  • Purchase a Roadside Assistance Program for Your Ford Explorer
  • Ask About Farm and Ranch Vehicle Discounts
  • Check Your Ford Explorer Policy Carefully to Ensure All Information is Correct
  • Ask for a New Ford Explorer Auto Insurance Rate Based on Your Improved Credit Score
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan

Top Ford Explorer Insurance Companies

The best auto insurance companies for Ford Explorer car insurance rates will offer competitive rates, discounts, and account for the Ford Explorer’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Ford Explorer Insurance Quotes Online

You can start comparing quotes for Ford Explorer auto insurance rates from some of the best auto insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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