Cost of Ford Explorer Car Insurance (2024)

Ford Explorers cost around $133 monthly, or $1,596 yearly, to insure.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated December 11, 2023 at 11:00 AM PST

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The Ford Explorer is the bestselling midsize three-row SUV in America.[1] In fact, Ford sold 58,061 of these popular SUVs in the first quarter of 2023 alone.

Explorers offer a competitive price, as well as affordable auto insurance rates. The average monthly premiums for full-coverage car insurance for a Ford Explorer are $177, while average premiums for liability-only car insurance are $89.

These premiums are lower than the price of insuring other popular Ford vehicles, including the Ford Focus. They’re also lower than the average auto premiums for similar SUVs, including the Nissan Rogue.

Car insurance rates vary based on your age, location, and driving record, so always make sure to compare car insurance quotes from at least three insurers before buying a policy.

Quick Facts
  • Ford offers eight models of the Explorer to choose from.

  • Ford Explorers cost an average of $133 per month to insure.

  • USAA and State Farm offer the lowest average insurance premiums for the Ford Explorer.

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Cost of Ford Explorer insurance

For a full-coverage auto insurance policy for a Ford Explorer, average premiums are $177. For a liability-only policy, average premiums are just $89.

USAA offers the lowest average auto insurance rates for Ford Explorer drivers, but eligibility is limited to people with military affiliation. State Farm charges the lowest average auto insurance premiums for people unable to get USAA coverage.

2023 Ford Explorer insurance

The MSRP of the 2023 Ford Explorer ranges from $36,760 to $56,525, depending on trim level.[2]

Below are the average 2023 Ford Explorer insurance costs from different insurance companies.

Insurance CompanyAverage Monthly Quote
USAA$86
State Farm$96
GEICO$99
Allstate$117
Progressive$142
American Family$149
Liberty Mutual$155
Travelers$171
Farmers$201
The General$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2022 Ford Explorer insurance

For the 2022 Ford Explorer, the MSRP range is $35,510 to $55,630 for different vehicle trims.[2]

If you have this vehicle, here’s what you might expect to pay for insurance based on average auto insurance rates from some of the best companies offering coverage.

Insurance CompanyAverage Monthly Quote
USAA$75
State Farm$84
GEICO$86
Allstate$102
Progressive$124
American Family$130
Liberty Mutual$136
Travelers$150
Farmers$176
The General$192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2021 Ford Explorer insurance

The 2021 Ford Explorer MSRP for different vehicle trim levels ranges from $32,925 to $54,600.[2]

If this is your vehicle, here are average auto insurance rates from some of the best car insurance companies offering Ford Explorer coverage.

Insurance CompanyAverage Monthly Quote
USAA$73
State Farm$81
GEICO$83
Allstate$99
Progressive$120
American Family$126
Liberty Mutual$131
Travelers$145
Farmers$170
The General$186
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2020 Ford Explorer insurance

The different trim levels of the 2020 Ford Explorer had MSRPs ranging from $32,765 to $58,250.[2]

Check out the table below to see the average auto insurance premiums that drivers with this vehicle would pay to their insurance company.

Insurance CompanyAverage Monthly Quote
USAA$72
State Farm$80
GEICO$83
Allstate$98
Progressive$119
American Family$125
Liberty Mutual$130
Travelers$144
Farmers$169
The General$184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2019 Ford Explorer insurance

Ford Explorer owners who bought a 2019 model from a dealership would see an MSRP of $32,365 to $54,165, with the specific price based on trim level.[2]

Drivers of this car can check the table below to see what average monthly costs they can expect to pay for a policy.

Insurance CompanyAverage Monthly Quote
USAA$70
State Farm$78
GEICO$80
Allstate$95
Progressive$115
American Family$121
Liberty Mutual$126
Travelers$139
Farmers$163
The General$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2018 Ford Explorer insurance

For the 2018 Ford Explorer, the MSRP range was $32,140 to $53,940 for vehicles of different trim levels.[2]

If you have a 2018 Explorer, check out the average cost of car insurance for this vehicle model from different insurance companies.

Insurance CompanyAverage Monthly Quote
USAA$64
State Farm$71
GEICO$73
Allstate$87
Progressive$105
American Family$110
Liberty Mutual$115
Travelers$127
Farmers$149
The General$162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2017 Ford Explorer insurance

When buying a new 2017 vehicle from a dealership, Ford Explorer owners would see an MSRP ranging from $31,660 to $53,235, depending on which trim level they selected.[2]

The below table shows the average rates drivers of 2017 Explorers would pay for auto insurance costs from different companies.

Insurance CompanyAverage Monthly Quote
USAA$63
State Farm$70
GEICO$72
Allstate$86
Progressive$104
American Family$109
Liberty Mutual$113
Travelers$125
Farmers$147
The General$160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2016 Ford Explorer insurance

The 2016 Ford Explorer models had an MSRP between $31,050 and $52,970, depending on trim level.[2]

If you bought this car and are driving it today, check out the average rates auto insurance companies charge to insure this vehicle.

Insurance CompanyAverage Monthly Quote
USAA$62
State Farm$69
GEICO$71
Allstate$85
Progressive$103
American Family$107
Liberty Mutual$112
Travelers$124
Farmers$146
The General$159
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2015 Ford Explorer insurance

Different models of the 2015 Ford Explorer had an MSRP range of $30,700 to $43,100.[2]

If you’re driving this car today, here are the average auto insurance premiums charged by different insurance companies.

Insurance CompanyAverage Monthly Quote
USAA$59
State Farm$65
GEICO$67
Allstate$80
Progressive$97
American Family$102
Liberty Mutual$106
Travelers$117
Farmers$138
The General$150
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2014 Ford Explorer insurance

The MSRP of a 2014 Ford Explorer was between $30,015 and $41,675, depending on trim level.[2]

To insure this vehicle, drivers pay average premiums equal to the amounts shown in the table below.

Insurance CompanyAverage Monthly Quote
USAA$59
State Farm$65
GEICO$67
Allstate$80
Progressive$97
American Family$101
Liberty Mutual$106
Travelers$117
Farmers$137
The General$149
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2013 Ford Explorer insurance

Depending on the trim level you selected when buying a new 2013 Ford Explorer, your MSRP would have been between $29,100 and $40,780.[2]

If you’re buying auto insurance coverage for this vehicle, check out the table below to see average auto insurance premiums from different insurers.

Insurance CompanyAverage Monthly Quote
USAA$57
State Farm$64
GEICO$66
Allstate$78
Progressive$95
American Family$99
Liberty Mutual$103
Travelers$114
Farmers$134
The General$146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

2012 Ford Explorer insurance

The MSRP range for the 2012 Ford Explorer was $28,280 to $39,855, depending on which trim level you selected.[2]

Check out the table below to see average auto insurance premiums from different insurers that provide coverage.

Insurance CompanyAverage Monthly Quote
USAA$56
State Farm$62
GEICO$64
Allstate$76
Progressive$93
American Family$97
Liberty Mutual$101
Travelers$112
Farmers$131
The General$143
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Ford Explorer car insurance coverages

It’s important to buy the right types of insurance coverage to protect your assets. Here are some of the different kinds of insurance you may wish to purchase for your Ford Explorer:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages from collisions with other vehicles or objects, such as a telephone pole or a fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers most non-crash-related losses. Examples could include damage due to theft, vandalism, or having a vehicle stolen.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Liability coverage

    States typically require liability insurance, which provides payment to accident victims for losses the policyholder causes. All drivers must ensure they meet state minimums for liability coverage.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    When a driver causes harm to Ford Explorer owners and the at-fault driver doesn’t have sufficient insurance to pay for losses, uninsured/underinsured motorist coverage would pay for damages.[3]

Ford Explorer car insurance FAQs

Still have questions about insuring a Ford Explorer? Here’s what you need to know. 

  • Which company has the cheapest Ford Explorer insurance?

    USAA and State Farm offer the cheapest Ford Explorer insurance based on average premiums. USAA is only available to people with military affiliations, though. However, while these insurers offer the lowest premiums on average, you should compare car insurance quotes from multiple companies before buying a policy.

  • Are Ford Explorers expensive to insure?

    No. Ford Explorers are less expensive to insure than other comparable SUVs, such as a Nissan Rogue. Explorers also cost less to insure than certain other Ford vehicles, such as the Ford Focus.

  • How much does it cost to insure a Ford Explorer?

    The average cost to insure a Ford Explorer is $133 per month. Full-coverage auto insurance averages $177 per month, while liability coverage averages $89 per month. Most drivers should consider full coverage to ensure they avoid uncompensated losses if something happens to their vehicle.

  • How much is full coverage on a Ford Explorer?

    Full coverage on a Ford Explorer costs an average of $177 per month. This is less than the $186 monthly average premium insurance companies charge for coverage on a Nissan Rogue, a similar SUV.

Sources

  1. Ford Becomes America’s Best-Selling Brand in the First Quarter on Rising Sales for Trucks, Vans, Broncos, Large SUVs, EVs, Mustang. "Ford." Accessed November 1, 2023
  2. Auto Blog. "Ford Explorer." Accessed November 1, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed November 1, 2023
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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