Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Ford Explorer is $2,376 per year or $198 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2024 Ford Explorer costs $2,376, whereas the 2023 Ford Explorer costs $2,413 annually. This is $37 more than the 2024 rates.
Nationwide offers the cheapest annual rate for 2024 Ford Explorer at $1,987 per year.
Below, we'll look at Ford Explorer insurance rates and show you how to save.
Average insurance cost of Ford Explorer by model year
Compare Explorer insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| Nationwide | 2WD 4 Door SUV DOHC Turbo | $2,077 |
| Nationwide | 2WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,077 |
| Nationwide | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,077 |
| State Farm | 2WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,084 |
| State Farm | 4WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,084 |
| State Farm | 2WD 4 Door SUV DOHC Turbo | $2,085 |
| State Farm | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,085 |
| State Farm | 4WD 4 Door SUV DOHC Turbo | $2,085 |
| State Farm | 4WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,085 |
| Nationwide | 4WD 4 Door SUV DOHC Turbo | $2,103 |
| Nationwide | 4WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,103 |
| Nationwide | 4WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,103 |
| GEICO | 2WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,488 |
| GEICO | 4WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,511 |
| GEICO | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,512 |
| GEICO | 4WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,528 |
| GEICO | 4WD 4 Door SUV DOHC Turbo | $2,677 |
| GEICO | 2WD 4 Door SUV DOHC Turbo | $2,739 |
| Progressive | 4WD 4 Door SUV DOHC Turbo | $2,763 |
| Progressive | 2WD 4 Door SUV DOHC Turbo | $2,816 |
| Progressive | 4WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,896 |
| Progressive | 4WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,896 |
| Progressive | 2WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $2,962 |
| Progressive | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,962 |
| Allstate | 2WD 4 Door SUV DOHC Turbo | $3,724 |
| Allstate | 4WD 4 Door SUV DOHC Turbo | $3,724 |
| Allstate | 2WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $4,049 |
| Allstate | 4WD 4 Door SUV DOHC Turbo 5001 to 6000 Lbs | $4,049 |
| Allstate | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $4,236 |
| Allstate | 4WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $4,236 |
Ford Explorer insurance rates per year
2024 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Nationwide | $1,987 |
| 2 | State Farm | $2,065 |
| 3 | GEICO | $2,103 |
| 4 | Progressive | $2,358 |
| 5 | Farmers | $2,865 |
| 6 | Allstate | $2,876 |
2023 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Nationwide | $1,960 |
| 2 | State Farm | $1,974 |
| 3 | GEICO | $2,211 |
| 4 | Progressive | $2,398 |
| 5 | Farmers | $2,846 |
| 6 | Allstate | $3,091 |
2022 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,918 |
| 2 | Nationwide | $1,928 |
| 3 | GEICO | $2,082 |
| 4 | Progressive | $2,275 |
| 5 | Farmers | $2,770 |
| 6 | Allstate | $2,923 |
2021 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,786 |
| 2 | Nationwide | $1,855 |
| 3 | GEICO | $1,952 |
| 4 | Progressive | $2,265 |
| 5 | Farmers | $2,628 |
| 6 | Allstate | $2,689 |
2020 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,733 |
| 2 | GEICO | $1,903 |
| 3 | Nationwide | $1,953 |
| 4 | Progressive | $2,211 |
| 5 | Farmers | $2,530 |
| 6 | Allstate | $2,628 |
2019 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,640 |
| 2 | GEICO | $1,750 |
| 3 | Nationwide | $1,890 |
| 4 | Progressive | $1,911 |
| 5 | Allstate | $2,369 |
| 6 | Farmers | $2,393 |
2018 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,593 |
| 2 | GEICO | $1,723 |
| 3 | Progressive | $1,854 |
| 4 | Nationwide | $1,861 |
| 5 | Farmers | $2,308 |
| 6 | Allstate | $2,340 |
2017 Ford Explorer insurance rates
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,564 |
| 2 | GEICO | $1,657 |
| 3 | Progressive | $1,805 |
| 4 | Nationwide | $1,835 |
| 5 | Farmers | $2,236 |
| 6 | Allstate | $2,240 |
Ford insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage