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What is the Average Cost to Insure a Ford Explorer?
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.
2024 Ford Explorer
2023 Ford Explorer
2022 Ford Explorer
2021 Ford Explorer
2020 Ford Explorer
2019 Ford Explorer
2018 Ford Explorer
2017 Ford Explorer
2016 Ford Explorer
2015 Ford Explorer
2014 Ford Explorer
2013 Ford Explorer
2012 Ford Explorer
2011 Ford Explorer
2010 Ford Explorer
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 |
| 2024 | N/A | N/A | N/A | N/A | $82.10 / mo | N/A |
| 2023 | $179.98 / mo | $182.76 / mo | $124.48 / mo | $121.48 / mo | $82.10 / mo | $186.94 / mo |
| 2022 | N/A | $217.60 / mo | $144.19 / mo | $153.06 / mo | $115.20 / mo | $161.47 / mo |
| 2021 | N/A | $192.52 / mo | $165.67 / mo | $162.38 / mo | $159.75 / mo | $163.69 / mo |
| 2020 | $496.72 / mo | $206.92 / mo | $175.21 / mo | $186.19 / mo | $157.01 / mo | $166.57 / mo |
| 2019 | N/A | $200.25 / mo | $169.40 / mo | $168.68 / mo | $155.84 / mo | $151.44 / mo |
| 2018 | $263.24 / mo | $187.15 / mo | $164.00 / mo | $159.80 / mo | $152.88 / mo | $154.78 / mo |
| 2017 | $396.83 / mo | $195.12 / mo | $152.38 / mo | $159.79 / mo | $149.64 / mo | $143.90 / mo |
| 2016 | $365.51 / mo | $183.64 / mo | $157.99 / mo | $137.32 / mo | $128.93 / mo | $141.75 / mo |
| 2015 | $147.33 / mo | $175.06 / mo | $154.35 / mo | $134.63 / mo | $122.05 / mo | $140.29 / mo |
| 2014 | $152.59 / mo | $155.44 / mo | $152.90 / mo | $127.94 / mo | $118.97 / mo | $116.71 / mo |
| 2013 | $213.35 / mo | $161.18 / mo | $132.67 / mo | $138.59 / mo | $130.93 / mo | $123.53 / mo |
| 2012 | $167.97 / mo | $139.85 / mo | $116.56 / mo | $125.98 / mo | $115.96 / mo | $118.10 / mo |
| 2011 | $464.98 / mo | $142.34 / mo | $117.58 / mo | $128.90 / mo | $117.59 / mo | $119.74 / mo |
| 2010 | $93.11 / mo | $180.24 / mo | $126.41 / mo | $120.16 / mo | $103.66 / mo | $118.90 / mo |
2024 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Wolverine Mutual | $795.00 / year |
| Travelers | $810.00 / year |
| SECURA Insurance | $1,041.00 / year |
| Metropolitan | $1,101.00 / year |
| USAA | $1,176.00 / year |
| Hastings Mutual Insurance Co | $1,286.00 / year |
| Auto-Owners Insurance Co | $1,337.00 / year |
| Chubb | $1,382.00 / year |
| MEEMIC Insurance Company | $1,466.00 / year |
| Frankenmuth Mutual | $1,713.00 / year |
2024 Ford Explorer Insurance
Average Cost to Insure
$984.00 / year
Cheapest Rate
$795.00 / year Wolverine Mutual
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (4cyl)
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2023 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New York Central Mutual Fire | $614.00 / year |
| Kemper Auto | Infinity | $614.00 / year |
| Pekin Insurance | $758.00 / year |
| Safeco | $934.00 / year |
| National General | $1,063.00 / year |
| Rockford Mutual Insurance | $1,095.00 / year |
| SECURA Insurance | $1,102.00 / year |
| Nationwide | $1,240.00 / year |
| Country | $1,369.00 / year |
| First Chicago Insurance | $1,382.00 / year |
2023 Ford Explorer Insurance
Average Cost to Insure
$868.20 / 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 | $352.00 / year |
| National General Value | $379.00 / year |
| NatGen Value | $432.00 / year |
| American National P | $474.00 / year |
| Mercury Insurance | $489.00 / year |
| NatGen Advantage | $681.00 / year |
| NatGen PPA | $862.00 / year |
| Titan | $906.00 / year |
| Pekin Insurance | $974.00 / year |
| Buckeye Insurance Group | $981.00 / year |
2022 Ford Explorer Insurance
Average Cost to Insure
$534.97 / year
Cheapest Rate
$352.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2021 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| National General RAD | $202.00 / year |
| Dairyland FR Bond | $379.00 / year |
| Mercury Insurance | $643.00 / year |
| American National P | $742.00 / year |
| Commerce Group Inc | $755.00 / year |
| Safeco | $756.00 / year |
| NatGen PPA | $756.00 / year |
| Buckeye Insurance Group | $809.00 / year |
| Concord Group | $819.00 / year |
| Victoria | $876.00 / year |
2021 Ford Explorer Insurance
Average Cost to Insure
$298.47 / year
Cheapest Rate
$202.00 / year National General RAD
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2020 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| AssuranceAmerica Economy | $121.00 / year |
| AssuranceAmerica Elite | $128.00 / year |
| NatGen PPA | $281.00 / year |
| Dairyland Broadform | $338.00 / year |
| Mercury Insurance | $364.00 / year |
| Safeco | $418.00 / year |
| AssuranceAmerica | $510.00 / year |
| Direct General | $561.00 / year |
| American National P | $593.00 / year |
| $702.00 / year |
2020 Ford Explorer Insurance
Average Cost to Insure
$456.47 / year
Cheapest Rate
$121.00 / year AssuranceAmerica Economy
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2019 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| NatGen Custom 360 | $149.00 / year |
| NatGen Value | $368.00 / year |
| Mercury Insurance | $514.00 / year |
| Safeco | $534.00 / year |
| American National P | $624.00 / year |
| Bear River | $696.00 / year |
| Direct Auto | $830.00 / year |
| Kemper Personal Insurance | $975.00 / year |
| Texas Farm Bureau Group | $988.00 / year |
| Kemper Auto | Infinity | $992.00 / year |
2019 Ford Explorer Insurance
Average Cost to Insure
$780.37 / year
Cheapest Rate
$149.00 / year NatGen Custom 360
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2018 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $212.00 / year |
| NatGen Custom 360 | $412.00 / year |
| American National P | $527.00 / year |
| AssuranceAmerica Mobile Max | $558.00 / year |
| Infinity Special | $652.00 / year |
| Mercury Insurance | $694.00 / year |
| Rural Mutual Insurance | $756.00 / year |
| Virginia Farm Bureau | $883.00 / year |
| West Bend Mutual | $909.00 / year |
| SECURA Insurance | $933.00 / year |
2018 Ford Explorer Insurance
Average Cost to Insure
$541.43 / year
Cheapest Rate
$212.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2017 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $141.00 / year |
| Safeco | $248.00 / year |
| Mercury Insurance | $401.00 / year |
| NatGen Custom 360 | $413.00 / year |
| Dairyland FR Bond | $490.00 / year |
| $566.00 / year | |
| Dairyland Auto 1 Month | $603.00 / year |
| NatGen Value | $638.00 / year |
| American National P | $719.00 / year |
| Dairyland Broadform | $810.00 / year |
2017 Ford Explorer Insurance
Average Cost to Insure
$485.33 / year
Cheapest Rate
$141.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2016 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $163.00 / year |
| Mercury Insurance | $227.00 / year |
| Dairyland Broadform | $238.00 / year |
| Safeco | $247.00 / year |
| NatGen Custom 360 | $304.00 / year |
| AssuranceAmerica Mobile Max | $308.00 / year |
| American National P | $451.00 / year |
| Infinity Special | $559.00 / year |
| Buckeye Insurance Group | $749.00 / year |
| Dairyland FR Bond | $925.00 / year |
2016 Ford Explorer Insurance
Average Cost to Insure
$418.97 / year
Cheapest Rate
$163.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2015 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Kemper Personal Insurance | $88.00 / year |
| AssuranceAmerica Mobile Max | $145.00 / year |
| Safeco | $230.00 / year |
| Mercury Insurance | $303.00 / year |
| $566.00 / year | |
| Bear River | $699.00 / year |
| American National P | $724.00 / year |
| Concord Group | $807.00 / year |
| North Carolina Farm Bureau | $809.00 / year |
| SECURA Insurance | $832.00 / year |
2015 Ford Explorer Insurance
Average Cost to Insure
$462.07 / year
Cheapest Rate
$88.00 / year Kemper Personal Insurance
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2014 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $89.00 / year |
| Kemper Personal Insurance | $92.00 / year |
| Dairyland Broadform | $135.00 / year |
| AssuranceAmerica Mobile Max | $155.00 / year |
| Mercury Insurance | $245.00 / year |
| NatGen Custom 360 | $292.00 / year |
| American National P | $494.00 / year |
| NatGen PPA | $551.00 / year |
| Concord Group | $604.00 / year |
| MMG Insurance Company | $791.00 / year |
2014 Ford Explorer Insurance
Average Cost to Insure
$486.73 / year
Cheapest Rate
$89.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2013 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $98.00 / year |
| Kemper Personal Insurance | $98.00 / year |
| NatGen Custom 360 | $120.00 / year |
| Mercury Insurance | $405.00 / year |
| AssuranceAmerica Mobile Max | $422.00 / year |
| Infinity Special | $536.00 / year |
| American National P | $627.00 / year |
| Buckeye Insurance Group | $790.00 / year |
| Utica National Ins Group | $840.00 / year |
| Commerce Group Inc | $843.00 / year |
2013 Ford Explorer Insurance
Average Cost to Insure
$446.30 / year
Cheapest Rate
$98.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2012 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $71.00 / year |
| Kemper Personal Insurance | $104.00 / year |
| NatGen Custom 360 | $184.00 / year |
| Mercury Insurance | $270.00 / year |
| American National P | $552.00 / year |
| Concord Group | $578.00 / year |
| Kemper Auto | Infinity | $648.00 / year |
| Countryway Insurance | $717.00 / year |
| SECURA Insurance | $805.00 / year |
| SafeAuto | $847.00 / year |
2012 Ford Explorer Insurance
Average Cost to Insure
$593.70 / year
Cheapest Rate
$71.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2011 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $184.00 / year |
| Mercury Insurance | $218.00 / year |
| NatGen Custom 360 | $250.00 / year |
| NatGen PPA | $544.00 / year |
| Infinity Special | $567.00 / year |
| American National P | $638.00 / year |
| SECURA Insurance | $752.00 / year |
| Concord Group | $772.00 / year |
| North Carolina Farm Bureau | $806.00 / year |
| MMG Insurance Company | $859.00 / year |
2011 Ford Explorer Insurance
Average Cost to Insure
$491.83 / year
Cheapest Rate
$184.00 / year Safeco
Available Trims
LIMITED 4dr SPORT UTILITY VEHICLE (6cyl)
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2010 Ford Explorer Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Safeco | $27.00 / year |
| Dairyland FR Bond | $138.00 / year |
| NatGen Custom 360 | $141.00 / year |
| Mercury Insurance | $214.00 / year |
| Dairyland Broadform | $339.00 / year |
| Kemper Auto | Infinity | $425.00 / year |
| National General RAD | $462.00 / year |
| North Carolina Farm Bureau | $528.00 / year |
| American National P | $553.00 / year |
| Clearcover | $685.00 / year |
2010 Ford Explorer Insurance
Average Cost to Insure
$461.57 / year
Cheapest Rate
$27.00 / year Safeco
Available Trims
EDDIE BAUER 4dr SPORT UTILITY VEHICLE (8cyl)
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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.
About the Author
Fran Majidi Insurance ExpertFran 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.
