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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
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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