Cost of Ford Explorer Car Insurance (2025)
Ford Explorers cost around $133 monthly, or $1,596 yearly, to insure.
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The Ford Explorer is the bestselling midsize three-row SUV in America. In fact, Ford sold nearly 105,000 of these popular SUVs in the second quarter of 2024 alone.1
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.
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.
You can see average monthly quotes by Ford Explorer model year in the table below.
2024 Ford Explorer insurance
The 2024 Ford Explorer has a starting MSRP of $38,455, but you’ll pay as much as $56,365 for the Platinum model.2
In the table below, you can see how much different companies charge to insure this model year.
2023 Ford Explorer insurance
The MSRP of the 2023 Ford Explorer ranges from $36,760 to $56,525, depending on trim level.3
Below are the average 2023 Ford Explorer insurance costs from different insurance companies.
2022 Ford Explorer insurance
For the 2022 Ford Explorer, the MSRP range is $35,510 to $55,630 for different vehicle trims.
If you have this vehicle, here’s what you might pay for insurance from some of the best companies offering coverage.
2021 Ford Explorer insurance
The 2021 Ford Explorer MSRP for different vehicle trim levels ranges from $32,925 to $54,600.
If this is your vehicle, here are average auto insurance rates from some of the best car insurance companies offering Ford Explorer coverage.
2020 Ford Explorer insurance
The different trim levels of the 2020 Ford Explorer had MSRPs ranging from $32,765 to $58,250.
Check out the table below to see the average auto insurance premiums that drivers with this vehicle would pay.
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.
Drivers of this car can check the table below to see what average monthly costs they might pay for a policy.
2018 Ford Explorer insurance
For the 2018 Ford Explorer, the MSRP range was $32,140 to $53,940 for vehicles of different trim levels.
If you have a 2018 Explorer, check out the average cost of car insurance for this vehicle model from different insurance companies.
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.
The below table shows the average rates of 2017 Explorers from different companies.
2016 Ford Explorer insurance
The 2016 Ford Explorer models had an MSRP between $31,050 and $52,970, depending on trim level.
If you bought this car and are driving it today, check out the average rates auto insurance companies charge to insure this vehicle.
2015 Ford Explorer insurance
Different models of the 2015 Ford Explorer had an MSRP range of $30,700 to $43,100.
If you’re driving this car today, here are the average auto insurance premiums from different insurance companies.
2014 Ford Explorer insurance
The MSRP of a 2014 Ford Explorer was between $30,015 and $41,675, depending on trim level.
To insure this vehicle, drivers pay average premiums shown in the table below.
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.
If you’re buying auto insurance coverage for this vehicle, check out the table below to see average auto insurance premiums from different insurers.
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.
Check out the table below to see average auto insurance premiums from different insurers.
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:
Ford Explorer car insurance FAQs
If you still have questions about Ford Explorer insurance, check out the additional information below.
How much does it cost to insure a 2024 Ford Explorer?
It costs an average of $250 per month to insure a 2024 Ford Explorer, Insurify data shows. Your insurance costs will vary depending on numerous factors, including your age, ZIP code, and the coverage levels you choose.
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. 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.
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