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The average Ford Explorer car insurance rate for 2021 is $1,630 based on the profile of a 30-year-old driver. However, car insurance rates by state vary dramatically based on your ZIP code, among other factors. The state where you live plays a significant role in determining your insurance rate. For example, Michigan is the most expensive state for car insurance with an average insurance cost of $2,967 a year, whereas Maine has the lowest Ford Explorer insurance rates for full coverage, with an annual insurance cost of $1,002 on average for drivers aged 30.

Average insurance cost of Ford Explorer by model year
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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

companiesAverage Premium
State Farm$1,207
Geico$1,328
Progressive$1,331
Nationwide$1,577
Farmers$1,881
Allstate$2,301
Average Cost to Insure $1,604/year
Cheapest Rate $1,207/year
Available Trims Limited, Platinum, Sport, XLT

2019 Ford Explorer Insurance Rates

companiesAverage Premium
Geico$1,202
State Farm$1,301
Nationwide$1,541
Progressive$1,639
Farmers$2,026
Allstate$2,185
Average Cost to Insure $1,649/year
Cheapest Rate $1,202/year
Available Trims Limited, Platinum, Sport, XLT

2018 Ford Explorer Insurance Rates

companiesAverage Premium
Geico$1,166
State Farm$1,275
Nationwide$1,567
Progressive$1,618
Farmers$1,974
Allstate$2,155
Average Cost to Insure $1,626/year
Cheapest Rate $1,166/year
Available Trims Limited, Platinum, Sport, XLT

2017 Ford Explorer Insurance Rates

companiesAverage Premium
Geico$1,178
State Farm$1,254
Progressive$1,601
Nationwide$1,685
Farmers$1,944
Allstate$2,042
Average Cost to Insure $1,617/year
Cheapest Rate $1,178/year
Available Trims Limited, Platinum, Sport, XLT

2016 Ford Explorer Insurance Rates

companiesAverage Premium
Geico$1,110
State Farm$1,257
Nationwide$1,474
Progressive$1,582
Farmers$1,889
Allstate$1,960
Average Cost to Insure $1,545/year
Cheapest Rate $1,110/year
Available Trims Limited, Platinum, Sport, XLT