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Ford Explorer Car Insurance
How much does car insurance cost for your Ford Explorer? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Explorer
What is the Average Cost to Insure a Ford Explorer?
Ford Explorer
How much does car insurance cost for Ford Explorer? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Ford Explorer below.
Ford Explorer Insurance Model Year by Age Group
The price you pay to insure your Ford Explorer can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2023 | N/A | N/A | $154.74 / mo | $156.30 / mo | $122.89 / mo | $226.26 / mo |
| 2022 | $505.20 / mo | $228.10 / mo | $134.63 / mo | $145.93 / mo | $126.89 / mo | $140.95 / mo |
| 2021 | $227.51 / mo | $171.07 / mo | $150.88 / mo | $146.09 / mo | $139.72 / mo | $141.38 / mo |
| 2020 | $304.02 / mo | $189.33 / mo | $154.08 / mo | $158.24 / mo | $128.44 / mo | $137.87 / mo |
| 2019 | $321.80 / mo | $202.73 / mo | $141.30 / mo | $143.17 / mo | $133.61 / mo | $133.00 / mo |
| 2018 | $332.35 / mo | $165.36 / mo | $137.66 / mo | $135.18 / mo | $130.05 / mo | $131.84 / mo |
| 2017 | $719.75 / mo | $179.10 / mo | $131.14 / mo | $139.69 / mo | $129.42 / mo | $123.07 / mo |
| 2016 | $367.03 / mo | $162.98 / mo | $133.49 / mo | $123.60 / mo | $121.21 / mo | $119.45 / mo |
| 2015 | $251.74 / mo | $155.61 / mo | $129.82 / mo | $122.14 / mo | $110.86 / mo | $117.44 / mo |
| 2014 | $216.26 / mo | $153.41 / mo | $121.97 / mo | $118.07 / mo | $114.93 / mo | $106.52 / mo |
| 2013 | $269.43 / mo | $157.39 / mo | $126.50 / mo | $121.11 / mo | $110.63 / mo | $112.33 / mo |
| 2012 | $248.29 / mo | $147.63 / mo | $115.02 / mo | $114.96 / mo | $103.88 / mo | $110.11 / mo |
| 2011 | $497.76 / mo | $148.20 / mo | $117.19 / mo | $114.83 / mo | $106.73 / mo | $99.57 / mo |
| 2010 | $272.41 / mo | $182.81 / mo | $135.19 / mo | $112.95 / mo | $114.55 / mo | $111.97 / mo |
2023 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New York Central Mutual Fire | $614.00 / year |
| Safeco | $1,020.00 / year |
| SECURA Insurance | $1,056.00 / year |
| National General | $1,104.00 / year |
| Hastings Mutual Insurance Co | $1,137.00 / year |
| Umialik Insurance | $1,395.00 / year |
| Wolverine Mutual | $1,530.00 / year |
| Mercury | $1,554.00 / year |
| Nationwide | $1,735.00 / year |
| USAA | $1,809.00 / year |
2023 Ford Explorer Insurance
Average Cost to Insure
$1,277.03 / year
Cheapest Rate
$614.00 / year New York Central Mutual Fire
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2022 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $377.00 / year |
| National General Value | $379.00 / year |
| Mercury Insurance | $468.00 / year |
| Concord Group | $803.00 / year |
| American National P | $927.00 / year |
| Plymouth Rock Assurance | $940.00 / year |
| Pekin Insurance | $959.00 / year |
| EMC Insurance | $986.00 / year |
| Buckeye Insurance Group | $1,025.00 / year |
| Victoria | $1,025.00 / year |
2022 Ford Explorer Insurance
Average Cost to Insure
$536.97 / year
Cheapest Rate
$377.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2021 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| National General RAD | $253.00 / year |
| Jupiter Auto Insurance | $358.00 / year |
| Dairyland FR Bond | $379.00 / year |
| American National P | $695.00 / year |
| Victoria | $726.00 / year |
| Commerce Group Inc | $755.00 / year |
| NatGen PPA | $756.00 / year |
| National General Value | $825.00 / year |
| Mercury Insurance | $924.00 / year |
| Concord Group | $1,038.00 / year |
2021 Ford Explorer Insurance
Average Cost to Insure
$452.93 / year
Cheapest Rate
$253.00 / year National General RAD
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2020 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland Broadform | $423.00 / year |
| Mercury Insurance | $482.00 / year |
| Direct General | $561.00 / year |
| SAFECO | $606.00 / year |
| National General Value | $636.00 / year |
| GAINSCO Auto Insurance | $752.00 / year |
| American National P | $764.00 / year |
| Countryway Insurance | $867.00 / year |
| Jupiter Auto Insurance | $868.00 / year |
| Concord Group | $893.00 / year |
2020 Ford Explorer Insurance
Average Cost to Insure
$620.07 / year
Cheapest Rate
$423.00 / year Dairyland Broadform
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2019 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| NatGen Custom 360 | $249.00 / year |
| Mercury Insurance | $614.00 / year |
| AssuranceAmerica Economy | $658.00 / year |
| American National P | $689.00 / year |
| Bear River | $696.00 / year |
| Countryway Insurance | $782.00 / year |
| AssuranceAmerica Elite | $790.00 / year |
| Concord Group | $874.00 / year |
| Kemper Personal Insurance | $914.00 / year |
| EMC Insurance | $939.00 / year |
2019 Ford Explorer Insurance
Average Cost to Insure
$840.30 / year
Cheapest Rate
$249.00 / year NatGen Custom 360
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2018 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $506.00 / year |
| American National P&C | $519.00 / year |
| SAFECO | $604.00 / year |
| Jupiter Auto Insurance | $616.00 / year |
| National General Value | $704.00 / year |
| Bear River | $720.00 / year |
| AssuranceAmerica Mobile Max | $782.00 / year |
| Mercury Insurance | $835.00 / year |
| General Casualty | $888.00 / year |
| Concord Group | $908.00 / year |
2018 Ford Explorer Insurance
Average Cost to Insure
$716.23 / year
Cheapest Rate
$506.00 / year American National P
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2017 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $147.00 / year |
| Jupiter Auto Insurance | $175.00 / year |
| Kemper Auto Premier | $354.00 / year |
| Dairyland Broadform | $404.00 / year |
| Mercury Insurance | $419.00 / year |
| American National P&C | $496.00 / year |
| Ameriprise Group | $597.00 / year |
| Dairyland Auto 1 Month | $603.00 / year |
| American National P | $610.00 / year |
| Dairyland FR Bond | $630.00 / year |
2017 Ford Explorer Insurance
Average Cost to Insure
$442.87 / year
Cheapest Rate
$147.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2016 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $244.00 / year |
| Dairyland Auto 1 Month | $246.00 / year |
| Mercury Insurance | $345.00 / year |
| AssuranceAmerica Mobile Max | $369.00 / year |
| Nationwide ThreeSixZero | $420.00 / year |
| NatGen Custom 360 | $449.00 / year |
| SAFECO | $470.00 / year |
| American National P&C | $474.00 / year |
| Jupiter Auto Insurance | $514.00 / year |
| American National P | $629.00 / year |
2016 Ford Explorer Insurance
Average Cost to Insure
$614.23 / year
Cheapest Rate
$244.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2015 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $104.00 / year |
| Kemper Auto Premier | $114.00 / year |
| AssuranceAmerica Mobile Max | $185.00 / year |
| Jupiter Auto Insurance | $276.00 / year |
| Dairyland Auto 1 Month | $291.00 / year |
| SAFECO | $496.00 / year |
| American National P&C | $497.00 / year |
| Mercury Insurance | $599.00 / year |
| Bear River | $699.00 / year |
| Concord Group | $706.00 / year |
2015 Ford Explorer Insurance
Average Cost to Insure
$602.87 / year
Cheapest Rate
$104.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2014 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $85.00 / year |
| Dairyland Broadform | $180.00 / year |
| NatGen Custom 360 | $306.00 / year |
| Jupiter Auto Insurance | $348.00 / year |
| American National P&C | $349.00 / year |
| SAFECO | $530.00 / year |
| NatGen PPA | $551.00 / year |
| American National P | $556.00 / year |
| Bear River | $609.00 / year |
| Kemper Auto Premier | $620.00 / year |
2014 Ford Explorer Insurance
Average Cost to Insure
$537.13 / year
Cheapest Rate
$85.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2013 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $118.00 / year |
| Kemper Auto Premium | $467.00 / year |
| American National P&C | $508.00 / year |
| SAFECO | $544.00 / year |
| Mercury Insurance | $580.00 / year |
| Kemper Auto Premier | $589.00 / year |
| American National P | $607.00 / year |
| Ameriprise Group | $621.00 / year |
| Jupiter Auto Insurance | $652.00 / year |
| NatGen Value | $757.00 / year |
2013 Ford Explorer Insurance
Average Cost to Insure
$558.63 / year
Cheapest Rate
$118.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2012 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $106.00 / year |
| Jupiter Auto Insurance | $201.00 / year |
| Dairyland Auto 1 Month | $436.00 / year |
| American National P&C | $517.00 / year |
| American National P | $553.00 / year |
| SAFECO | $574.00 / year |
| Bear River | $612.00 / year |
| Buckeye Insurance Group | $806.00 / year |
| Nodak Mutual | $840.00 / year |
| Mercury Insurance | $844.00 / year |
2012 Ford Explorer Insurance
Average Cost to Insure
$542.00 / year
Cheapest Rate
$106.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2011 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $116.00 / year |
| Mercury Insurance | $226.00 / year |
| NatGen PPA | $238.00 / year |
| American National P&C | $405.00 / year |
| Dairyland FR Bond | $420.00 / year |
| SAFECO | $557.00 / year |
| NatGen Custom 360 | $567.00 / year |
| American National P | $680.00 / year |
| Concord Group | $683.00 / year |
| National General RAD | $713.00 / year |
2011 Ford Explorer Insurance
Average Cost to Insure
$457.10 / year
Cheapest Rate
$116.00 / year Jupiter Auto Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
2010 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Jupiter Auto Insurance | $61.00 / year |
| Dairyland FR Bond | $162.00 / year |
| SAFECO | $253.00 / year |
| Mercury Insurance | $259.00 / year |
| Dairyland Broadform | $387.00 / year |
| American National P&C | $402.00 / year |
| National General RAD | $462.00 / year |
| Safety Group | $618.00 / year |
| American National P | $662.00 / year |
| Pure Companies Grp | $728.00 / year |
2010 Ford Explorer Insurance
Average Cost to Insure
$518.87 / year
Cheapest Rate
$61.00 / year Jupiter Auto Insurance
Available Trims
EDDIE BAUER 4dr SPORT UTILITY VEHICLE (8cyl)
Compare Explorer to other Ford Models
Wondering how the Explorer compares to other Ford Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
