Ford Explorer Insurance Cost

Auto insurance for a Ford Explorer will cost about $1,729 per year.

This beats the national average for popular SUV models by $338. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Ford Explorer. Visit our Competitive Quote Tool to see if you can find lower rates for an Explorer.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Ford Explorer insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Ford Explorer insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,855 $8,721 $10,309
18 $5,457 $8,128 $9,608
19 $4,822 $7,183 $8,491
20 $4,205 $6,263 $7,403
21 $3,526 $5,252 $6,209
22 $3,434 $5,115 $6,046
23 $3,005 $4,476 $5,291
24 $2,855 $4,252 $5,026
25 $2,463 $3,669 $4,337
30 $1,919 $2,858 $3,379
35 $1,797 $2,677 $3,165
40 $1,729 $2,575 $3,044
45 $1,682 $2,505 $2,962
55 $1,543 $2,298 $2,716
65 $1,609 $2,397 $2,833
75 $2,031 $3,025 $3,576

Ford Explorer car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Ford Explorer by state.

Ford Explorer Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,832 $2,566 $3,211
Alaska $1,515 $2,206 $2,312
Arizona $1,713 $2,657 $3,788
Arkansas $1,878 $2,844 $3,182
California $2,091 $3,657 $2,091
Colorado $1,951 $2,701 $3,369
Connecticut $2,493 $3,854 $4,936
Delaware $2,064 $2,841 $3,772
Florida $2,457 $3,337 $4,351
Georgia $2,003 $3,087 $3,168
Hawaii $800 $1,104 $800
Idaho $1,390 $1,871 $2,329
Illinois $1,455 $2,151 $2,494
Indiana $1,495 $2,336 $2,726
Iowa $1,184 $1,776 $2,070
Kansas $1,575 $2,319 $2,747
Kentucky $2,277 $3,425 $4,029
Louisiana $2,923 $4,468 $4,810
Maine $1,105 $1,483 $2,163
Maryland $1,789 $2,623 $3,097
Massachusetts $1,435 $2,426 $1,435
Michigan $3,462 $5,204 $8,002
Minnesota $1,425 $1,914 $2,834
Mississippi $1,720 $2,598 $2,745
Missouri $1,621 $2,232 $2,887
Montana $1,648 $2,579 $2,844
Nebraska $1,393 $1,972 $2,243
Nevada $2,298 $3,468 $3,805
New Hampshire $1,598 $2,576 $3,281
New Jersey $1,761 $2,776 $3,582
New Mexico $1,798 $2,588 $2,906
New York $1,666 $2,169 $3,502
North Carolina $1,033 $1,667 $1,285
North Dakota $1,413 $2,175 $2,761
Ohio $1,260 $2,061 $2,135
Oklahoma $2,012 $3,021 $3,426
Oregon $1,831 $2,765 $3,172
Pennsylvania $1,542 $2,332 $2,676
Rhode Island $2,575 $3,951 $4,519
South Carolina $1,749 $2,531 $3,611
South Dakota $1,569 $2,159 $2,590
Tennessee $1,845 $2,760 $3,482
Texas $1,858 $2,735 $3,433
Utah $1,581 $2,286 $3,152
Vermont $1,217 $1,946 $2,127
Virginia $1,146 $1,726 $1,834
Washington $1,517 $2,280 $2,688
West Virginia $1,527 $2,223 $2,746
Wisconsin $1,522 $2,222 $2,698
Wyoming $1,421 $2,088 $2,334

Other Important Costs of Owning a Ford Explorer

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Ford Explorer depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

Already decided on buying a Ford Explorer? We have millions of new and used vehicles listed. Here are some Ford models for sale in your area.

Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.