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.

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Updated: 02 April 2024
Written by
Bob Phillips
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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

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.

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