Ford Explorer Car Insurance Cost
Securing insurance for a Ford Explorer typically amounts to about $608 annually through New York Central Mutual Fire. However, the exact expenses can vary based on factors like your age, the year of your car model, and other considerations. Please refer to our quote tables below to determine the potential cost tailored to your circumstances.
If you’re thinking about buying a Ford Explorer, one crucial factor to consider is the cost of insurance. Insurance plays a major role in car ownership, and it’s important to understand its implications before making your purchase.
Failing to choose the right car insurance policy can result in unexpected and potentially high expenses in the future. It’s essential to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve witnessed significant variations in costs. Factors such as your age, driving record, and even your location can have a considerable impact on your insurance premiums.
How Much Does Ford Explorer Car Insurance Cost?
Typically, New York Central Mutual Fire provides the most competitive price, averaging $608 annually, for full coverage insurance on a 2023 Ford Explorer.
While New York Central Mutual Fire’s pricing serves as a useful benchmark, it’s crucial to recognize that car insurance costs can vary significantly based on various factors. These factors include your location, driving history, the year of your car model, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a history of accidents or traffic violations can raise your costs.
Moreover, residing in urban areas with heavy traffic may lead to higher rates compared to rural areas with lighter traffic. The type of coverage you opt for will also affect your premium; comprehensive coverage, encompassing both comprehensive and collision coverage, generally costs more than minimum liability coverage.
Insuranceopedia is available to assist you in exploring and comparing quotes from different insurance companies to ensure you secure the best deal.
2023 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $608 |
| Kemper Auto | Infinity | $609 |
| Pekin Insurance | $775 |
| Safeco | $772 |
| Country | $994 |
| National General | $1,084 |
| Rockford Mutual Insurance | $1,078 |
| SECURA Insurance | $1,134 |
| Nationwide | $1,217 |
| First Chicago Insurance | $1,376 |
2022 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| National General Value | $373 |
| Safeco | $417 |
| NatGen Value | $424 |
| Mercury Insurance | $485 |
| NatGen Advantage | $695 |
| Concord Group | $787 |
| NatGen PPA | $873 |
| American National P | $925 |
| Plymouth Rock Assurance | $941 |
| EMC Insurance | $986 |
2021 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| National General RAD | $187 |
| Jupiter Auto Insurance | $374 |
| Dairyland FR Bond | $395 |
| American National P | $700 |
| Victoria | $720 |
| Commerce Group Inc | $735 |
| NatGen PPA | $755 |
| SAFECO | $891 |
| Mercury Insurance | $888 |
| Concord Group | $1,030 |
2020 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $287 |
| Dairyland Broadform | $334 |
| Mercury Insurance | $481 |
| SAFECO | $522 |
| Direct General | $543 |
| NatGen Custom 360 | $730 |
| GAINSCO Auto Insurance | $740 |
| American National P | $783 |
| American National P&C | $755 |
| Countryway Insurance | $877 |
2019 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $151 |
| Mercury Insurance | $602 |
| American National P | $703 |
| Bear River | $701 |
| Countryway Insurance | $779 |
| SAFECO | $845 |
| Concord Group | $871 |
| Kemper Personal Insurance | $871 |
| EMC Insurance | $942 |
| MMG Insurance Company | $940 |
2018 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| SAFECO | $422 |
| American National P&C | $504 |
| American National P | $506 |
| AssuranceAmerica Mobile Max | $543 |
| Jupiter Auto Insurance | $605 |
| Dairyland Broadform | $603 |
| NatGen Custom 360 | $628 |
| Infinity Special | $647 |
| Bear River | $729 |
| Mercury Insurance | $836 |
2017 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $139 |
| Jupiter Auto Insurance | $184 |
| NatGen Custom 360 | $395 |
| Mercury Insurance | $410 |
| Dairyland FR Bond | $453 |
| American National P&C | $498 |
| NatGen Value | $513 |
| SAFECO | $562 |
| Ameriprise Group | $593 |
| Dairyland Auto 1 Month | $583 |
2016 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $193 |
| Kemper Personal Insurance | $202 |
| Dairyland Auto 1 Month | $239 |
| AssuranceAmerica Mobile Max | $295 |
| Mercury Insurance | $316 |
| SAFECO | $430 |
| Nationwide ThreeSixZero | $434 |
| American National P&C | $454 |
| Jupiter Auto Insurance | $529 |
| Kemper Auto Premium | $542 |
2015 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $101 |
| Kemper Auto Premier | $123 |
| AssuranceAmerica Mobile Max | $157 |
| Dairyland Auto 1 Month | $273 |
| Jupiter Auto Insurance | $386 |
| SAFECO | $396 |
| American National P&C | $520 |
| Mercury Insurance | $552 |
| Bear River | $702 |
| Concord Group | $709 |
2014 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $81 |
| Dairyland Broadform | $141 |
| AssuranceAmerica Mobile Max | $168 |
| NatGen Custom 360 | $290 |
| Jupiter Auto Insurance | $337 |
| American National P&C | $362 |
| SAFECO | $408 |
| NatGen PPA | $563 |
| American National P | $574 |
| Bear River | $590 |
2013 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $78 |
| NatGen Custom 360 | $114 |
| Kemper Auto Premium | $198 |
| SAFECO | $480 |
| American National P&C | $517 |
| Mercury Insurance | $543 |
| American National P | $595 |
| Ameriprise Group | $617 |
| Jupiter Auto Insurance | $646 |
| Buckeye Insurance Group | $853 |
2012 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $98 |
| NatGen Custom 360 | $201 |
| Jupiter Auto Insurance | $209 |
| SAFECO | $431 |
| Dairyland Auto 1 Month | $439 |
| American National P&C | $511 |
| American National P | $533 |
| Bear River | $613 |
| Countryway Insurance | $732 |
| Mercury Insurance | $723 |
2011 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $131 |
| Mercury Insurance | $214 |
| NatGen Custom 360 | $263 |
| Dairyland FR Bond | $319 |
| Kemper Auto Premier | $362 |
| American National P&C | $401 |
| SAFECO | $502 |
| NatGen PPA | $602 |
| American National P | $626 |
| Concord Group | $778 |
2010 Ford Explorer Insurance Rates
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $69 |
| Dairyland FR Bond | $135 |
| SAFECO | $238 |
| NatGen Custom 360 | $254 |
| Mercury Insurance | $252 |
| Dairyland Broadform | $338 |
| American National P&C | $398 |
| National General RAD | $448 |
| American National P | $675 |
| Pure Companies Grp | $709 |
Cost of Ford Explorer Car Insurance By Age
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,095 | $8,940 | $10,440 |
| 18 | $5,685 | $8,320 | $9,736 |
| 19 | $5,029 | $7,343 | $8,617 |
| 20 | $4,387 | $6,407 | $7,506 |
| 21 | $3,678 | $5,377 | $6,303 |
| 22 | $3,564 | $5,222 | $6,126 |
| 23 | $3,125 | $4,563 | $5,362 |
| 24 | $2,967 | $4,360 | $5,103 |
| 25 | $2,567 | $3,758 | $4,388 |
| 30 | $2,008 | $2,931 | $3,409 |
| 35 | $1,883 | $2,733 | $3,217 |
| 40 | $1,781 | $2,637 | $3,080 |
| 45 | $1,755 | $2,565 | $3,020 |
| 55 | $1,599 | $2,372 | $2,763 |
| 65 | $1,691 | $2,451 | $2,874 |
| 75 | $2,097 | $3,112 | $3,632 |
Ford Explorer Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,893 | $2,768 | $3,505 |
| Alaska | $1,587 | $2,170 | $2,123 |
| Arizona | $1,764 | $2,564 | $3,793 |
| Arkansas | $1,936 | $3,073 | $3,380 |
| California | $2,192 | $3,822 | $2,156 |
| Colorado | $2,025 | $2,827 | $3,587 |
| Connecticut | $2,577 | $4,035 | $5,085 |
| Delaware | $2,159 | $2,875 | $3,674 |
| Florida | $2,571 | $3,519 | $4,583 |
| Hawaii | $840 | $1,109 | $852 |
| Idaho | $1,431 | $1,899 | $2,310 |
| Illinois | $1,515 | $2,299 | $2,612 |
| Indiana | $1,534 | $2,370 | $2,671 |
| Iowa | $1,241 | $1,677 | $1,978 |
| Kansas | $1,648 | $2,390 | $2,767 |
| Kentucky | $2,380 | $3,468 | $4,106 |
| Louisiana | $3,037 | $4,609 | $4,970 |
| Maine | $1,158 | $1,592 | $2,354 |
| Maryland | $1,859 | $2,703 | $3,009 |
| Massachusetts | $1,505 | $2,580 | $1,493 |
| Michigan | $3,589 | $5,496 | $8,636 |
| Minnesota | $1,482 | $1,955 | $2,762 |
| Mississippi | $1,778 | $2,529 | $2,549 |
| Missouri | $1,682 | $2,417 | $3,169 |
| Montana | $1,722 | $2,391 | $2,776 |
| Nebraska | $1,452 | $2,139 | $2,345 |
| Nevada | $2,368 | $3,539 | $3,753 |
| New Hampshire | $1,658 | $2,627 | $3,306 |
| New Jersey | $1,815 | $2,890 | $3,750 |
| New Mexico | $1,864 | $2,792 | $2,890 |
| New York | $1,721 | $2,181 | $3,639 |
| North Carolina | $1,069 | $1,831 | $1,300 |
| North Dakota | $1,449 | $2,214 | $2,649 |
| Ohio | $1,312 | $2,017 | $2,056 |
| Oklahoma | $2,076 | $3,004 | $3,381 |
| Oregon | $1,912 | $2,551 | $3,063 |
| Pennsylvania | $1,605 | $2,334 | $2,734 |
| Rhode Island | $2,676 | $3,904 | $4,415 |
| South Carolina | $1,800 | $2,497 | $3,455 |
| South Dakota | $1,635 | $2,335 | $2,700 |
| Tennessee | $1,921 | $2,812 | $3,766 |
| Texas | $1,917 | $2,806 | $3,454 |
| Utah | $1,657 | $2,308 | $3,164 |
| Vermont | $1,280 | $1,934 | $2,065 |
| Virginia | $1,187 | $1,810 | $1,802 |
| Washington | $1,583 | $2,126 | $2,567 |
| West Virginia | $1,593 | $2,268 | $2,862 |
| Wisconsin | $1,580 | $2,484 | $2,829 |
| Wyoming | $1,463 | $2,070 | $2,219 |
| Georgia | $2,084 | $3,119 | $3,157 |
Compare Ford Explorer To Other Ford Models
FAQs
Who has the cheapest car insurance for a Ford Explorer?
For the 2023 model year, New York Central Mutual Fire offers the most affordable car insurance for the Ford Explorer.
Which company offers the best car insurance for a Ford Explorer?
Considering its combination of the lowest rates, comprehensive coverage, and highly-rated customer service, we believe New York Central Mutual Fire provides the best car insurance option for a Ford Explorer.
