Newer Ford Explorers cost more to insure than older models, with 2025 versions averaging $244 monthly compared to $59 for older Explorers. Your model year substantially impacts premiums since newer vehicles are more expensive to replace.
Ford Explorer Insurance Cost
Updated: January 21, 2026
Key Takeaways
Ford Explorer insurance costs an average of $162 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Explorer ranks 60th out of 256 SUVs for insurance affordability, placing it midtier. SUVs cost more to insure than most vehicle types, making the Explorer average compared to typical cars. Read more
Check rates for your Explorer's model year to get accurate insurance costs. Read more
How Much Is Ford Explorer Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Insurance rates depend on model year and insurer. Ford Explorer minimum coverage costs range from $60 monthly with GEICO to $152 with UAIC, while full coverage spans $129 with GEICO to $286 with AIG.
The differences (more than $92 for minimum coverage and $157 for full coverage) highlight why comparing insurers matters for Explorer owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $91 | $188 |
| AIG | $116 | $286 |
| Allstate | $106 | $204 |
| Amica | $102 | $207 |
| Chubb | $112 | $219 |
| Farmers | $119 | $209 |
| Geico | $60 | $129 |
| Kemper | $83 | $167 |
| Nationwide | $90 | $156 |
| Progressive | $88 | $164 |
| State Farm | $77 | $160 |
| The Hartford | $92 | $157 |
| Travelers | $75 | $137 |
| UAIC | $152 | $191 |
Is Ford Explorer Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Ford Explorer ranking 60th for insurance affordability, meaning 59 models cost less to insure. It's positioned between the slightly cheaper Subaru Crosstrek and the marginally pricier Nissan Armada, placing it squarely in the middle tier among SUVs in our rate database.
While middle-tier among SUVs, the Explorer sits at 258th out of 827 total vehicles, putting it in the top half for insurance costs. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums in this vehicle category.
| Buick Enclave | $122 | 57 |
| Lincoln MKX | $122 | 57 |
| Ford Expedition | $123 | 58 |
| Subaru Crosstrek | $123 | 59 |
| Volkswagen Tiguan | $123 | 59 |
| Ford Explorer | $123 | 60 |
| Nissan Armada | $123 | 61 |
| GMC Yukon XL | $123 | 62 |
| Subaru Tribeca | $124 | 63 |
Several factors affect what you'll pay for Ford Explorer insurance:
- Average Repair or Replacement Costs: Ford's 11th most expensive model to maintain out of 35, the Explorer averages $922 in annual repair costs. While not the cheapest Ford to fix, it's still reasonably affordable compared to luxury SUVs.
- Vehicle Trim, Features and Accessories: Higher trims cost substantially more to insure due to performance capabilities ranging from 300 to 400 horsepower. The Explorer's powerful engine options directly impact insurance premiums across different trim levels.
- Driver Profile:Â Most Explorer drivers fall between 35 and 50 years old, with a median age of around 42. The SUV's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford Explorers for young drivers.
Ford Explorer Insurance Cost by State
Ford Explorer insurance costs range from just $29 monthly in Wyoming to $166 in Louisiana for minimum coverage, depending on where you're located.
| Alabama | $68 | $128 |
| Alaska | $60 | $126 |
| Arizona | $97 | $181 |
| Arkansas | $67 | $149 |
| California | $80 | $162 |
| Colorado | $77 | $185 |
| Connecticut | $116 | $199 |
| Delaware | $117 | $196 |
| Florida | $109 | $252 |
| Georgia | $128 | $209 |
| Hawaii | $44 | $99 |
| Idaho | $44 | $89 |
| Illinois | $75 | $141 |
| Indiana | $53 | $103 |
| Iowa | $44 | $107 |
| Kansas | $58 | $135 |
| Kentucky | $103 | $175 |
| Louisiana | $166 | $358 |
| Maine | $42 | $87 |
| Maryland | $131 | $221 |
| Massachusetts | $84 | $177 |
| Michigan | $127 | $244 |
| Minnesota | $67 | $138 |
| Mississippi | $71 | $141 |
| Missouri | $94 | $188 |
| Montana | $55 | $132 |
| Nebraska | $59 | $134 |
| Nevada | $147 | $267 |
| New Hampshire | $57 | $100 |
| New Jersey | $137 | $226 |
| New Mexico | $67 | $150 |
| New York | $103 | $186 |
| North Carolina | $66 | $129 |
| North Dakota | $47 | $101 |
| Ohio | $62 | $120 |
| Oklahoma | $75 | $166 |
| Oregon | $101 | $175 |
| Pennsylvania | $70 | $164 |
| Rhode Island | $103 | $184 |
| South Carolina | $83 | $155 |
| South Dakota | $42 | $127 |
| Tennessee | $64 | $129 |
| Texas | $105 | $215 |
| Utah | $91 | $155 |
| Vermont | $36 | $85 |
| Virginia | $79 | $128 |
| Washington | $75 | $139 |
| West Virginia | $71 | $144 |
| Wisconsin | $52 | $115 |
| Wyoming | $29 | $89 |
Ford Explorer Costs by Model Year and Insurance Company
The model year of your Ford Explorer impacts your insurance costs, along with your driver's age on your policy. A 35- to 55-year-old driver pays an average of $242 monthly for full coverage on a 2025 Ford Explorer, while a 2016 model costs just $167 monthly. Newer vehicles command higher premiums, and teen drivers face even steeper rates across all model years.
GEICO offers the cheapest rates across all Ford Explorer model years for minimum coverage.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ford Explorer
| Geico | $85 | $185 |
| National General | $87 | $179 |
| Travelers | $94 | $173 |
| Nationwide | $102 | $176 |
| State Farm | $108 | $225 |
| Progressive | $108 | $202 |
| Kemper | $110 | $222 |
| AAA | $125 | $260 |
| The Hartford | $132 | $225 |
| Allstate | $132 | $256 |
| Amica | $133 | $273 |
| Chubb | $159 | $315 |
| AIG | $160 | $404 |
| Farmers | $167 | $294 |
| UAIC | $187 | $237 |
Cost of Car Insurance for 2024 Ford Explorer
| Geico | $84 | $183 |
| National General | $86 | $177 |
| Travelers | $93 | $171 |
| Nationwide | $100 | $174 |
| State Farm | $106 | $222 |
| Progressive | $106 | $199 |
| Kemper | $109 | $219 |
| AAA | $124 | $257 |
| The Hartford | $131 | $223 |
| Allstate | $131 | $253 |
| Amica | $132 | $270 |
| Chubb | $157 | $311 |
| AIG | $158 | $399 |
| Farmers | $165 | $290 |
| UAIC | $185 | $234 |
Cost of Car Insurance for 2023 Ford Explorer
| Geico | $72 | $157 |
| National General | $74 | $151 |
| Travelers | $80 | $146 |
| Nationwide | $86 | $149 |
| State Farm | $91 | $190 |
| Progressive | $91 | $170 |
| Kemper | $93 | $187 |
| AAA | $106 | $220 |
| The Hartford | $112 | $190 |
| Allstate | $112 | $216 |
| Amica | $113 | $231 |
| Chubb | $135 | $266 |
| AIG | $135 | $342 |
| Farmers | $141 | $248 |
| UAIC | $158 | $200 |
Cost of Car Insurance for 2022 Ford Explorer
| Geico | $60 | $131 |
| National General | $62 | $127 |
| Travelers | $67 | $123 |
| Nationwide | $72 | $125 |
| State Farm | $76 | $159 |
| Progressive | $76 | $143 |
| Kemper | $78 | $157 |
| AAA | $89 | $184 |
| The Hartford | $94 | $160 |
| Allstate | $94 | $181 |
| Amica | $94 | $193 |
| Chubb | $113 | $223 |
| AIG | $114 | $286 |
| Farmers | $118 | $208 |
| UAIC | $132 | $168 |
Cost of Car Insurance for 2021 Ford Explorer
| Geico | $55 | $119 |
| National General | $56 | $116 |
| Travelers | $61 | $112 |
| Nationwide | $65 | $113 |
| State Farm | $69 | $145 |
| Progressive | $70 | $130 |
| Kemper | $71 | $143 |
| AAA | $81 | $168 |
| The Hartford | $85 | $145 |
| Allstate | $85 | $165 |
| Amica | $86 | $176 |
| Chubb | $103 | $203 |
| AIG | $103 | $261 |
| Farmers | $107 | $189 |
| UAIC | $120 | $153 |
Cost of Car Insurance for 2020 Ford Explorer
| Geico | $45 | $99 |
| National General | $47 | $96 |
| Travelers | $50 | $92 |
| Nationwide | $54 | $94 |
| State Farm | $57 | $120 |
| Progressive | $57 | $107 |
| Kemper | $59 | $118 |
| AAA | $67 | $139 |
| The Hartford | $70 | $120 |
| Allstate | $71 | $136 |
| Amica | $71 | $146 |
| Chubb | $85 | $168 |
| AIG | $85 | $216 |
| Farmers | $89 | $157 |
| UAIC | $100 | $126 |
Cost of Car Insurance for 2019 Ford Explorer
| Geico | $59 | $129 |
| National General | $66 | $135 |
| Travelers | $76 | $140 |
| State Farm | $84 | $175 |
| Progressive | $85 | $159 |
| Nationwide | $91 | $157 |
| AAA | $99 | $205 |
| Amica | $102 | $209 |
| Allstate | $105 | $203 |
| The Hartford | $105 | $179 |
| Kemper | $107 | $219 |
| Chubb | $117 | $231 |
| AIG | $125 | $311 |
| Farmers | $133 | $235 |
| UAIC | $139 | $174 |
Cost of Car Insurance for 2018 Ford Explorer
| Geico | $62 | $134 |
| National General | $66 | $135 |
| Travelers | $77 | $142 |
| State Farm | $83 | $173 |
| AAA | $97 | $201 |
| Kemper | $98 | $199 |
| Nationwide | $99 | $171 |
| The Hartford | $100 | $171 |
| Progressive | $100 | $188 |
| Amica | $103 | $211 |
| Allstate | $109 | $210 |
| Chubb | $116 | $230 |
| AIG | $123 | $307 |
| Farmers | $130 | $230 |
| UAIC | $145 | $181 |
Cost of Car Insurance for 2017 Ford Explorer
| Geico | $55 | $119 |
| National General | $63 | $130 |
| Travelers | $73 | $135 |
| State Farm | $79 | $165 |
| The Hartford | $87 | $148 |
| Kemper | $88 | $178 |
| AAA | $89 | $185 |
| Progressive | $96 | $179 |
| Nationwide | $97 | $167 |
| Amica | $100 | $205 |
| Allstate | $103 | $198 |
| Chubb | $112 | $220 |
| AIG | $116 | $286 |
| Farmers | $121 | $214 |
| UAIC | $139 | $173 |
Cost of Car Insurance for 2016 Ford Explorer
| Geico | $52 | $111 |
| National General | $58 | $119 |
| Travelers | $67 | $123 |
| State Farm | $74 | $154 |
| The Hartford | $77 | $131 |
| Kemper | $79 | $158 |
| AAA | $81 | $168 |
| Nationwide | $90 | $155 |
| Amica | $93 | $190 |
| Progressive | $97 | $181 |
| Allstate | $99 | $190 |
| Chubb | $101 | $198 |
| AIG | $105 | $257 |
| Farmers | $115 | $204 |
| UAIC | $134 | $167 |
Ford Explorer Insurance Cost by Trim
Ford Explorer insurance costs vary dramatically by trim, with premiums ranging from $73 monthly for minimum coverage on basic Sport Sport Utility 2d models to $244 for full coverage on King Ranch variants. Performance features and market value drive these differences between basic and high-end trims.
| Sport Sport Utility 2d | $73 | $139 |
| Sport Xlt Sport Utility 2d | $73 | $141 |
| Limited Hev Sport Utility 4d | $75 | $146 |
| Sport Utility 4d | $77 | $148 |
| Xls Sport Utility 4d | $77 | $147 |
| Limited Sport Utility 4d | $79 | $153 |
| Timberline Sport Utility 4d | $80 | $155 |
| Xlt Sport Utility 4d | $80 | $154 |
| Platinum Sport Utility 4d | $82 | $159 |
| Eddie Bauer Sport Utility 4d | $82 | $158 |
| St-Line Sport Utility 4d | $82 | $160 |
| Sport Suv 4d | $83 | $161 |
| Explorer | $85 | $165 |
| St Sport Utility 4d | $86 | $168 |
| King Ranch Sport Utility 4d | $89 | $174 |
| Xlt | $89 | $174 |
| Sport Xls Sport Utility 2d | $90 | $173 |
| Platinum Hev Sport Utility 4d | $90 | $176 |
| Xls Sport Suv 4d | $90 | $173 |
| Active | $92 | $180 |
| Xlt Sport Suv 4d | $94 | $181 |
| St-Line | $105 | $204 |
| Limited | $109 | $212 |
| Nbx Sport Utility 4d | $111 | $213 |
| Timberline | $113 | $220 |
| St | $120 | $233 |
| Platinum | $122 | $238 |
| King Ranch | $125 | $244 |
How to Lower the Cost of Ford Explorer Insurance
We've found the best strategies to help you find affordable Ford Explorer insurance rates:
- 1Choose the right coverage
Figure out how much coverage to buy for your Ford Explorer based on ownership status. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for SUVs like your Explorer. This benchmark aids in shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you identify genuine savings opportunities when comparing quotes from different insurers.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget options might offer limited coverage or slower claims service that could cost more long-term.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation and Explorer. Common savings include safety features discounts for your SUV's advanced safety systems, good driver discounts for clean records, bundling savings when combining auto and home policies, and multi-vehicle discounts for insuring multiple cars. These discounts can reduce your premium costs.
- 5Consider alternative car insurance types
Ford Explorer owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track safe driving habits including smooth acceleration, gentle braking and responsible speeds to deliver premium reductions. If you're a careful driver, these programs could offer substantial savings on your Explorer coverage.
- 6Check rates every year
Obtain car insurance quotes from several companies annually to ensure competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so yearly comparisons could save up to 24% on your Ford Explorer insurance. Market conditions change frequently, making regular shopping essential for maintaining the best rates available.
Ford Explorer Insurance Cost: Bottom Line
Ford Explorer insurance costs less than average, making it affordable for most drivers. You'll secure better rates by comparing quotes from multiple insurers and maximizing available discounts.
Ford Explorer Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Explorer?
Ford Explorer insurance costs average $1,004 annually for state minimum coverage and $1,942 for full coverage. These rates translate to approximately $84 and $162 monthly respectively.
What company has the cheapest car insurance for a Ford Explorer?
GEICO provides the most affordable minimum coverage for a Ford Explorer at $719 annually. The company also delivers the best value for full coverage at $1,552 per year.
Are Ford Explorers expensive to insure?
No, Ford Explorer insurance is not more expensive than most vehicles to insure. Among SUVs specifically, it ranks 60th out of 256 for affordability, while placing 258th out of 827 total vehicles we track.
What factors affect insurance costs for Ford Explorers?
Various elements affect Ford Explorer insurance premiums. Your personal driving history, credit score, and selected coverage levels influence costs. The vehicle's safety features, repair expenses, and theft rates in your area also impact what you'll pay for coverage.
How can I lower Ford Explorer insurance costs?
Compare quotes from multiple insurers since Ford Explorer pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same provider and maintain a clean driving record to secure better rates.
How We Determined Ford Explorer Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Explorer insurance costs.
Who We Based These Rates On
These Ford Explorer rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.