The Ford Explorer is a mid-size three-row SUV that first debuted in the U.S. with the 1991 model year. The Explorer is still going strong today and remains a popular choice among SUV enthusiasts. No matter what kind of Ford Explorer you drive, it needs to be protected with the right car insurance.
When it's time to find the best Ford Explorer insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford Explorer by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Explorer Car Insurance
Ford Explorer insurance costs an average of $1,942 per year, or approximately $162 per month, for full coverage in 2026.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2025 Ford Explorer insurance this year.
Ford Explorer insurance costs vary widely by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $166.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Explorer insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Explorer model.
What Is Ford Explorer Insurance?
Ford Explorer insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize SUV, the Explorer may require additional coverage beyond that needed by standard sedans. However, the Explorer's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Explorer drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Ford Explorer:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
It's critical to get equipped with at least your state's minimum mandated auto insurance coverage to avoid penalties, such as fines. A local independent insurance agent can help you get set up with all the required Ford Explorer car insurance.
How Much Does Ford Explorer Insurance Cost?
The average cost of car insurance for a Ford Explorer is $1,942 per year, or approximately $162 per month, for full coverage. Minimum coverage for a Ford Explorer costs an average of $1,004 annually, or approximately $84 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Explorer you drive
- Your credit score (where allowed)
- Vehicle safety features
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Explorer full coverage insurance or a basic Ford Explorer liability insurance policy.
Is the Ford Explorer Expensive to Insure?
No, the Ford Explorer isn't expensive to insure when compared to other Fords and other vehicles in general. The table below compares the Explorer's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Explorer | $162 |
| All Fords | $163 |
| All Cars | $175 |
Average Ford Explorer Insurance Rates Compared to Similar Vehicles
The Ford Explorer's average monthly insurance rates are quite comparable with those of many similar vehicles, including the Buick Enclave, the Subaru Crosstrek, and the Nissan Armada. The table below compares the Explorer's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Buick Enclave | $122 |
| Lincoln MKX | $122 |
| Ford Expedition | $123 |
| Subaru Crosstrek | $123 |
| Volkswagen Tiguan | $123 |
| Ford Explorer | $123 |
| Nissan Armada | $123 |
| GMC Yukon XL | $123 |
| Subaru Tribeca | $124 |
Ford Explorer Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Explorer and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Ford Explorer* | $2,291 |
| 2025 Ford Explorer | $1,314 |
| 2024 Ford Explorer | $1,647 |
| 2023 Ford Explorer | $1,035 |
| 2022 Ford Explorer | $661 |
| 2021 Ford Explorer | $666 |
| 2020 Ford Explorer | $406 |
| 2019 Ford Explorer | $665 |
| 2018 Ford Explorer | $648 |
| 2017 Ford Explorer | $478 |
| 2016 Ford Explorer | $422 |
| 2015 Ford Explorer | $533 |
| 2014 Ford Explorer | $360 |
| 2013 Ford Explorer | $472 |
| 2012 Ford Explorer | $479 |
| 2011 Ford Explorer | $558 |
| 2010 Ford Explorer | $361 |
*Note: The 2026 Explorer's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford Explorer Car Insurance Companies for 2026
Many insurers offer affordable Ford Explorer auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2025 Explorer insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,707 |
| American Family | $1,714 |
| Progressive | $1,745 |
| Nationwide | $1,838 |
| Erie | $2,063 |
| Allstate | $3,385 |
Ford Explorer Car Insurance Rates by State
Car insurance premiums are heavily influenced by your location. Here are some average auto insurance rates for the Ford Explorer by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Explorer Insurance Rates by Trim Level
Your Explorer's specific trim can also affect its car insurance costs. Here are some average Ford Explorer insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Explorer Insurance Rates by Driver Age and Profile
Age, driving history, and credit are additional major factors that can impact car insurance premiums. Teens and young drivers pay the most, on average, for Ford Explorer insurance. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Ford Explorer insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,423 | $10,993 | $12,816 |
| 20 | $5,761 | $8,487 | $9,854 |
| 25 | $3,401 | $4,966 | $5,816 |
| 30 | $2,580 | $3,877 | $4,504 |
| 35 | $2,478 | $3,577 | $4,185 |
| 40 | $2,340 | $3,462 | $4,090 |
| 45 | $2,280 | $3,409 | $3,985 |
| 55 | $2,072 | $3,070 | $3,665 |
| 65 | $2,221 | $3,268 | $3,778 |
| 75 | $2,736 | $4,041 | $4,740 |
Best Ford Explorer Insurance Discounts: How to Lower Your Ford Explorer Insurance Premiums
Looking to save even more money on Ford Explorer insurance? Fortunately, there are several easy ways to potentially reduce your costs, such as by trying any of the following:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Ford Explorer insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Ford Explorer insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Explorer insurance from a trusted carrier near you.
Independent insurance agents can recommend additional strategies to help reduce your premium rates. They also know which carriers offer the most affordable prices and the best discounts to help you save the most money possible on Ford Explorer insurance.
An Independent Insurance Agent Can Help You Get the Best Ford Explorer Insurance Quotes
When it's time to find the most affordable Ford Explorer insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Explorer insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Explorer Insurance
How much does Ford Explorer insurance cost per year?
The average annual cost of full coverage for a Ford Explorer is $2,100 per year, or approximately $175 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Explorer insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Ford Explorer insurance premiums.
Is the Ford Explorer expensive to insure?
No, the Ford Explorer isn't expensive to insure on average. The Ford Explorer's average monthly insurance costs are slightly cheaper than those for other Fords and other vehicles in general.
What are the best and cheapest carriers for Ford Explorer insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Ford Explorer insurance this year.
Is insurance cheaper for the Ford Explorer than for other Ford vehicles?
Yes, the Ford Explorer's average monthly insurance rate of $162 is slightly cheaper than that for other Ford vehicles, which average $163.
How can I get cheaper Ford Explorer insurance?
Finding cheaper Ford Explorer insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/ford-explorer-car-insurance
https://www.moneygeek.com/insurance/auto/ford-explorer-insurance/
https://www.thezebra.com/auto-insurance/vehicles/ford/explorer/