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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Ford Explorer is $1,604 per year or $134 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2020 Ford Explorer costs $1,604 per year, whereas the 2019 Ford Explorer costs $1,649 annually. State Farm offers the cheapest annual rate for 2020 Ford Explorer $1,207 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Ford Explorer by model year
Graph
Table
Year of Ford Explorer ModelAverage Cost to Insure
2020$1,604
2019$1,649
2018$1,626
2017$1,617
2016$1,545

Compare Ford Explorer Insurance Rates by State

L O A D I N G
Company Style Full Coverage(Avg) Liability Coverage(Avg) State Minimum Coverage(Avg)
Allstate2WD 4 Door SUV$1,922$735$650
Geico2WD 4 Door SUV$1,366$548$391
Farmers2WD 4 Door SUV$2,282$1,064$920
Nationwide2WD 4 Door SUV$2,652$1,073$797
Progressive2WD 4 Door SUV$1,567$657$449
State Farm2WD 4 Door SUV$2,085$801$569
Allstate2WD 4 Door SUV Turbo$1,922$735$650
Geico2WD 4 Door SUV Turbo$1,369$552$394
Farmers2WD 4 Door SUV Turbo$2,282$1,064$920
Nationwide2WD 4 Door SUV Turbo$2,560$1,073$797
Progressive2WD 4 Door SUV Turbo$1,819$695$470
State Farm2WD 4 Door SUV Turbo$2,085$801$569
Allstate4WD 4 Door SUV$1,922$735$650
Geico4WD 4 Door SUV$1,425$552$394
Farmers4WD 4 Door SUV$2,204$1,039$892
Nationwide4WD 4 Door SUV$2,556$950$708
Progressive4WD 4 Door SUV$1,625$628$429
State Farm4WD 4 Door SUV$2,150$801$569
Allstate4WD 4 Door SUV Turbo$2,029$735$650
Geico4WD 4 Door SUV Turbo$1,421$548$391
Farmers4WD 4 Door SUV Turbo$2,204$1,039$892
Nationwide4WD 4 Door SUV Turbo$2,493$1,040$768
Progressive4WD 4 Door SUV Turbo$1,700$585$400
State Farm4WD 4 Door SUV Turbo$2,150$801$569

2020 Ford Explorer Insurance Rates

Average Cost to Insure $1,604
Annual Cheapest Rate $1,207
Available Trims Limited, Platinum, Sport, XLT
RankCompaniesAverage Premium
1State Farm$1,207
2Geico$1,328
3Progressive$1,331
4Nationwide$1,577
5Farmers$1,881
6Allstate$2,301

2019 Ford Explorer Insurance Rates

Average Cost to Insure $1,649
Annual Cheapest Rate $1,202
Available Trims Limited, Platinum, Sport, XLT
RankCompaniesAverage Premium
1Geico$1,202
2State Farm$1,301
3Nationwide$1,541
4Progressive$1,639
5Farmers$2,026
6Allstate$2,185

2018 Ford Explorer Insurance Rates

Average Cost to Insure $1,626
Annual Cheapest Rate $1,166
Available Trims Limited, Platinum, Sport, XLT
RankCompaniesAverage Premium
1Geico$1,166
2State Farm$1,275
3Nationwide$1,567
4Progressive$1,618
5Farmers$1,974
6Allstate$2,155

2017 Ford Explorer Insurance Rates

Average Cost to Insure $1,617
Annual Cheapest Rate $1,178
Available Trims Limited, Platinum, Sport, XLT
RankCompaniesAverage Premium
1Geico$1,178
2State Farm$1,254
3Progressive$1,601
4Nationwide$1,685
5Farmers$1,944
6Allstate$2,042

2016 Ford Explorer Insurance Rates

Average Cost to Insure $1,545
Annual Cheapest Rate $1,110
Available Trims Limited, Platinum, Sport, XLT
RankCompaniesAverage Premium
1Geico$1,110
2State Farm$1,257
3Nationwide$1,474
4Progressive$1,582
5Farmers$1,889
6Allstate$1,960

Compare Ford insurance rates by model

Make/ModelAnnual Rates
Ford Fiesta$1,468/year
Ford F-150$1,476/year
Ford Expedition$1,619/year
Ford Edge$1,424/year
Ford Mustang$1,874/year
Ford Fusion$1,643/year

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