Ford Explorer insurance costs average $84 monthly for minimum coverage and $162 per month for full coverage. Depending on your particular trim and model year, costs can range from $45 to $245 monthly for Ford Explorer insurance.
Ford Explorer Insurance Cost
Updated: October 23, 2025
Key Takeaways
Ford Explorer insurance costs range from $89 to $245 monthly, with significant variation based on your specific trim level and model year selection.
The Explorer ranks 258th for insurance affordability among 827 vehicle models sold in the US market from 2000 through 2025.
GEICO offers the cheapest Ford Explorer coverage with full protection at $129 monthly and minimum coverage starting at $60 monthly.
How Much Is Ford Explorer Insurance?
| Ford Explorer | $84 | $162 |
Ford Explorer Insurance Cost by Model Year
Your Ford Explorer's model year and trim affect insurance rates. Newer vehicles cost more to insure due to their higher value. Monthly premiums range from $59 for older models to $214 for the newest versions.
| 2025 | $110 | $214 |
| 2024 | $108 | $211 |
| 2023 | $93 | $181 |
| 2022 | $78 | $152 |
| 2021 | $71 | $138 |
| 2020 | $59 | $114 |
| 2019 | $87 | $169 |
| 2018 | $90 | $174 |
| 2017 | $84 | $163 |
| 2016 | $80 | $155 |
| 2015 | $87 | $168 |
| 2014 | $85 | $163 |
| 2013 | $79 | $153 |
| 2012 | $73 | $140 |
| 2011 | $83 | $159 |
| 2010 | $69 | $132 |
| 2009 | $70 | $134 |
| 2008 | $67 | $129 |
| 2007 | $68 | $130 |
| 2006 | $70 | $135 |
| 2005 | $73 | $140 |
| 2004 | $109 | $209 |
| 2003 | $96 | $183 |
| 2002 | $89 | $170 |
| 2001 | $81 | $155 |
| 2000 | $75 | $143 |
Ford Explorer Insurance Cost by Trim
Your Ford Explorer's trim impacts insurance costs based on features, market value and replacement expenses. Our research shows monthly premiums range from $73 for basic Sport models to $244 for premium King Ranch trims, reflecting the wide variation in coverage costs across different trim levels.
| 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 |
Compare Personalized Ford Explorer Insurance Costs
We've broken down Ford Explorer insurance costs by model year and trim for more accurate estimates.
Data filtered by:
2001
Sport Utility 4d
| Sport Utility 4d | $78 | $149 |
Ford Explorer Insurance Cost by Company
Ford Explorer insurance costs vary by provider from $95 to $201 monthly. Minimum coverage ranges from $60 to $152, while full coverage costs $129 to $286. Rates vary due to different risk assessment models.
| 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 |
Ford Explorer Insurance Cost by State
Ford Explorer insurance costs vary dramatically by location, from $29 monthly in Wyoming to $358 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, age and driving record impact Ford Explorer insurance costs. Monthly rates reach $311 for young drivers under 25 without violations and drop to just $123 for adults between 26-64 with clean records.
| Adult Drivers | $84 | $162 |
| Young Drivers | $214 | $409 |
| Senior Drivers | $112 | $205 |
| Drivers With a Speeding Ticket | $104 | $204 |
| Drivers With an Accident | $123 | $237 |
| Drivers With a DUI | $154 | $294 |
| Drivers With Bad Credit | $198 | $398 |
Is a Ford Explorer Expensive to Insure?
You might be concerned about Ford Explorer insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Ford Explorer ranks 258th out of 827, putting it around the middle of the pack. Among midsize SUVs, the model also places right around the middle for affordability.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| Gmc Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Ford Car Insurance Costs
Multiple factors affect what you'll pay for Ford Explorer insurance coverage:
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Explorer repair costs average $922 annually, making it one of the more expensive Ford models to repair
Vehicle Trim, Features and Accessories
The 2025 Ford Explorer's four trim levels (Active to ST, $39,755-$55,505+) impact insurance costs. Higher trims feature 400-hp twin-turbo V6 engines, advanced Co-Pilot360 Assist 2.0 systems and premium materials that increase repair complexity and comprehensive coverage costs.
Fuel Type
Ford Explorers use conventional gasoline with two EcoBoost engine options: a 300-hp turbocharged four-cylinder and a 400-hp twin-turbo V6.
The conventional powertrains ensure widespread service availability and established repair networks, helping keep coverage costs predictable despite the engines' complexity.
Location
Ford Explorer owners are concentrated in suburban and metropolitan areas nationwide, with top markets including New York, Los Angeles, Chicago and Dallas.
The Explorer's police fleet usage and urban popularity influence theft rates and accident frequencies in certain markets, affecting comprehensive and collision coverage costs.
Driver Profile
Most Ford Explorer drivers are affluent families aged 45-55 with household incomes averaging $112,000-175,000 for performance trims. This mature, high-income demographic receives favorable insurance rates due to stable financial profiles.
Driver demographics affect Ford Explorer rates:
• Age (45 to 55 median): Mature family-oriented drivers qualify for better rates
• Income ($112,000 to 175,000): Higher income correlates with better credit and lower risk
• Usage pattern: Family hauling and suburban commuting with moderate annual mileage
• Performance variants: Explorer Sport attracts affluent Gen-X buyers seeking luxury performance at lower cost
Cheapest Ford Explorer Insurance Companies
GEICO offers the most affordable Explorer insurance with full coverage averaging $129 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage at $60 per month for Explorer owners.
| GEICO | $60 | $129 |
| Travelers | $75 | $137 |
| State Farm | $77 | $160 |
| Nationwide | $90 | $156 |
| The Hartford | $92 | $157 |
Cheapest Ford Explorer Insurance by State
We found that these are the top three most affordable car insurance providers for a Ford Explorer:
- Auto-Owners: Wins for affordability in 12 states
- State Farm: Wins for affordability in six states
- GEICO: Wins for affordability in six states
You can filter below to see who offers the most affordable auto insurance rates for your Ford Explorer.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $35 |
How to Get the Best Cheap Ford Explorer Insurance
Below we explore the top Ford Explorer car insurance discount opportunities:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Explorer's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Ford Explorer, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Explorer owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Ford Explorer buyers' diverse demographics (Generation X and millennials starting families) often means established households with multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With high household incomes averaging $175,000 annually, Ford Explorer owners frequently own homes and can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Ford Explorer owners' established lifestyle and higher income levels typically correlate with responsible driving habits that qualify for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): Ford Co-Pilot360 comes standard on all Explorer models, and its built-in features, like automatic emergency braking and blind spot monitoring, help you avoid crashes. Many insurance companies will offer discounts for these advanced safety systems.
- Low Mileage Discount (5% to 15% savings): Many Ford Explorer owners are affluent families with predictable suburban commutes or established professionals, often qualifying for low mileage discounts when driving under 7,500 to 12,000 miles annually.
- 5Consider alternative car insurance types
Ford Explorer owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Explorer insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Explorer Insurance Cost: Bottom Line
Insuring a Ford Explorer costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Explorer Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Explorer.
What is the average cost of car insurance for a Ford Explorer?
The Ford Explorer's average annual insurance cost is $1,004 for minimum coverage and $1,942 for full coverage.
What company has the cheapest car insurance for a Ford Explorer?
GEICO offers the most affordable Explorer insurance with full coverage averaging $129 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage at $60 per month for Explorer owners.
Are Ford Explorers expensive to insure?
Ford Explorer insurance costs around average for most cars. Out of 827 vehicles we track, the Explorer ranks 258th for affordability. Among midsize SUVs, this model is also right in the middle compared to similar vehicles
What factors affect insurance costs for Ford Explorers?
Several things drive up your Ford Explorer rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Ford Explorer insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Explorer Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Ford Explorer insurance costs.
Who We Based These Rates On
These Ford Explorer prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.