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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 $2,656 per year or $221 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 2025 Ford Explorer costs $2,656, whereas the 2024 Ford Explorer costs $2,618 annually. This is $38 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 Ford Explorer at $1,830 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
| Year of Ford Explorer model | Average cost to insure |
|---|---|
| 2025 | $2,656 |
| 2024 | $2,618 |
| 2023 | $2,648 |
| 2022 | $2,560 |
| 2021 | $2,452 |
Compare Explorer insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $1,988 |
| State Farm | $2,059 |
| Travelers | $2,298 |
| UAIC | $2,631 |
| GEICO | $3,137 |
| Mercury Insurance | $3,176 |
| Farmers | $3,353 |
| Allstate | $3,589 |
| Progressive | $4,050 |
| AIG | $5,692 |
Ford Explorer insurance rates per year
2025 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,830 2 Nationwide $2,284 3 GEICO $2,289 4 State Farm $2,298 5 Progressive $2,549 6 Allstate $3,358 7 Farmers $3,437 8 USAA $1,832 2024 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,847 2 State Farm $2,127 3 Nationwide $2,287 4 GEICO $2,288 5 Progressive $2,654 6 Allstate $3,213 7 Farmers $3,405 8 USAA $1,963 2023 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,810 2 State Farm $2,089 3 GEICO $2,337 4 Nationwide $2,381 5 Progressive $2,679 6 Allstate $3,367 7 Farmers $3,497 8 USAA $2,194 2022 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,784 2 State Farm $2,038 3 GEICO $2,232 4 Nationwide $2,342 5 Progressive $2,618 6 Allstate $3,201 7 Farmers $3,351 8 USAA $2,077 2021 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,719 2 State Farm $1,957 3 GEICO $2,116 4 Nationwide $2,379 5 Progressive $2,499 6 Allstate $2,982 7 Farmers $3,176 8 USAA $1,987 2020 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,681 2 State Farm $1,955 3 GEICO $2,070 4 Nationwide $2,316 5 Progressive $2,479 6 Allstate $2,952 7 Farmers $3,082 8 USAA $1,943 2019 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,620 2 State Farm $1,857 3 GEICO $1,926 4 Progressive $2,180 5 Nationwide $2,264 6 Allstate $2,710 7 Farmers $2,872 8 USAA $1,678 2018 Ford Explorer insurance rates
Rank Company Average annual premium 1 Travelers $1,597 2 State Farm $1,820 3 GEICO $1,909 4 Progressive $2,137 5 Nationwide $2,208 6 Allstate $2,664 7 Farmers $2,741 8 USAA $1,640
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