Ford Explorer Insurance Cost

Auto insurance for a Ford Explorer will cost about $1,644 per year.

This beats the national average for popular SUV models by $250. 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

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.

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

Ford Explorer insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Ford Explorer Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,569 $8,177 $9,566
18 $5,189 $7,620 $8,914
19 $4,586 $6,734 $7,878
20 $3,999 $5,872 $6,869
21 $3,353 $4,924 $5,761
22 $3,266 $4,796 $5,610
23 $2,858 $4,196 $4,909
24 $2,715 $3,986 $4,664
25 $2,343 $3,440 $4,025
30 $1,825 $2,680 $3,135
35 $1,709 $2,510 $2,936
40 $1,644 $2,414 $2,824
45 $1,600 $2,349 $2,748
55 $1,467 $2,154 $2,520
65 $1,530 $2,247 $2,629
75 $1,932 $2,836 $3,318

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 $1,742 $2,530 $3,220
Alaska $1,441 $1,997 $1,941
Arizona $1,629 $2,355 $3,469
Arkansas $1,786 $2,806 $3,089
California $1,988 $3,516 $1,988
Colorado $1,855 $2,597 $3,295
Connecticut $2,371 $3,676 $4,667
Delaware $1,962 $2,615 $3,359
Florida $2,337 $3,233 $4,212
Georgia $1,905 $2,849 $2,872
Hawaii $761 $1,033 $761
Idaho $1,322 $1,753 $2,131
Illinois $1,384 $2,092 $2,385
Indiana $1,422 $2,173 $2,439
Iowa $1,126 $1,544 $1,816
Kansas $1,498 $2,180 $2,549
Kentucky $2,166 $3,179 $3,754
Louisiana $2,780 $4,202 $4,557
Maine $1,051 $1,453 $2,145
Maryland $1,701 $2,476 $2,750
Massachusetts $1,364 $2,380 $1,364
Michigan $3,292 $5,017 $7,913
Minnesota $1,355 $1,807 $2,544
Mississippi $1,636 $2,333 $2,349
Missouri $1,541 $2,204 $2,895
Montana $1,567 $2,187 $2,545
Nebraska $1,325 $1,959 $2,129
Nevada $2,185 $3,241 $3,424
New Hampshire $1,520 $2,404 $3,039
New Jersey $1,675 $2,628 $3,438
New Mexico $1,710 $2,544 $2,641
New York $1,584 $1,995 $3,330
North Carolina $982 $1,687 $1,203
North Dakota $1,344 $2,042 $2,416
Ohio $1,198 $1,848 $1,895
Oklahoma $1,914 $2,740 $3,085
Oregon $1,741 $2,336 $2,791
Pennsylvania $1,467 $2,153 $2,519
Rhode Island $2,449 $3,592 $4,045
South Carolina $1,663 $2,305 $3,181
South Dakota $1,492 $2,150 $2,481
Tennessee $1,755 $2,583 $3,440
Texas $1,767 $2,553 $3,175
Utah $1,503 $2,106 $2,898
Vermont $1,157 $1,782 $1,884
Virginia $1,090 $1,674 $1,640
Washington $1,443 $1,959 $2,339
West Virginia $1,452 $2,079 $2,605
Wisconsin $1,447 $2,260 $2,577
Wyoming $1,351 $1,892 $2,015

Ford Explorer Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Ford Explorer ranks for Insurance compared to other vehicles. Also check out how the Explorer stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Ford Explorer Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Ford Explorer costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: