Ford Explorer Insurance Quotes [How to Find Low Rates Online]
The cost of Ford Explorer car insurance rates are $1,308 a year, or around $109 a month on average. Finding Ford Explorer teenager insurance coverage can cost on average $4,781 a year, so shop around to find cheap rates.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jul 16, 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 around $211 lower per year than the average vehicle, costing about $1,308 a year or $109 a month for full coverage. Safe 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.
Table of Contents
Ford Explorer Insurance Cost
The average Ford Explorer car 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 Subaru Forester, Acura RDX, and GMC Yukon XL.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Subaru Forester | $346 | $512 | $332 | $1,326 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| Hyundai Santa Fe | $294 | $562 | $372 | $1,386 |
| Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| Chevrolet Suburban | $336 | $532 | $372 | $1,398 |
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 insurance coverage.
Age of the Vehicle
Older Ford Explorer models generally cost less to insure. For example, auto insurance rates for a 2020 Ford Explorer are $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 $720 a year more than drivers in Phoenix.
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
The Ford Explorer’s safety ratings will affect your Ford Explorer auto insurance rates. See the chart 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
Ford Explorer crash test ratings can impact the cost of your Ford Explorer car insurance. 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
The more safety features you have on your Ford Explorer, the more likely it is that you can earn a discount. 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
Another contributing factor that affects Ford Explorer car insurance rates is the loss probability for 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, most lenders will require your carry higher Ford Explorer coverage options including comprehensive coverage, so be sure to shop around and compare Ford Explorer auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Ford Explorer Insurance
There are many ways that you can save on Ford Explorer car insurance. Below are five actions you can take to find cheap Ford Explorer auto insurance rates.
- Wait Six Years for Accidents to Disappear from Your Record
- Save Money on Young Driver Ford Explorer Insurance By Mentioning Grades or GPA
- Never Drink and Drive Your Ford Explorer
- Renew Your Ford Explorer Insurance Coverage to Avoid Lapses
- Drive Your Ford Explorer Safely
Top Ford Explorer Insurance Companies
Who is the top car insurance company for Ford Explorer insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Explorer auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.
| 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 insurance from some of the top car insurance companies by using our free online tool today.