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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Insurance on a Ford Explorer costs an average of $140 per month, nearly 16% below the national average.
The cheapest Ford Explorer insurance company is USAA, with rates averaging $71 per month.
A Ford Explorer is relatively affordable compared to other SUVs and has strong safety ratings, which help keep insurance rates low.
The cost to insure a Ford Explorer depends on whether you choose liability-only or full-coverage insurance.
Liability coverage includes bodily injury and property damage liability. It’s the cheapest policy available but provides the least coverage — it pays only for the other driver’s damages, but not your own.
On the other hand, full coverage typically includes collision and comprehensive coverage. It offers far more protection since it covers your injuries and damages, but it comes at a higher price.
The table below shows the average monthly rate for liability and full coverage for a Ford Explorer compared to average rates for all vehicles, according to Compare.com data.
Vehicle  | Vehicle | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|---|
| Ford Explorer | Ford Explorer | $107 | $173 |
| All vehicles | All vehicles | $116 | $216 |
Ford Explorer drivers pay a monthly average of $107 for liability coverage and $173 for full coverage. In later sections, we’ll show you how rates vary based on different factors such as age, driving record, and location.
Even though the average rate is $140 per month, you always have ways to save money on your Explorer’s insurance. You can start with shopping around for the cheapest coverage, but we’ve done the first part for you.
The five companies featured in the table have the most competitive rates for Ford Explorers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $79 |
| Allstate | $101 |
| American Family | $107 |
| GEICO | $110 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest rates for the Explorer, at just $66 per month. That’s well below the national average for all vehicles of $166 per month. The company also has excellent ratings for both customer and claims satisfaction.
But USAA offers policies only to active-duty military, veterans, and their families. It also doesn’t have many physical locations, so it might not be the best option if you want personalized service.
Low Ford Explorer rates
Highly rated customer and claims service
A++ (Superior) financial strength rating
Available only to military members and families
Diminishing deductible not available
Few physical locations
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is available almost everywhere and has affordable Explorer rates. It also has an extensive local agent network, so you can get personal service that fits your needs.
But State Farm’s rates can be more expensive for high-risk drivers. So it may not be a great option if you have a less-than-perfect driving record. The company also offers fewer add-ons than its competitors.
Available in almost every state
Extensive local agent network
Highly rated mobile app
More expensive for high-risk drivers
Fewer optional coverages than some competitors
Doesn’t offer gap insurance
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers Tacoma drivers a wide range of coverage add-ons, like rideshare coverage and rental reimbursement. The company also has two telematics programs — Drivewise and Milewise — that can help lower your rates.
But Allstate doesn’t score well for customer or claims satisfaction. The company also has a higher-than-average number of customer complaints with the National Association of Insurance Commissioners (NAIC).
Available nationwide
Wide variety of coverage options available
Offers two telematics programs
Below-average customer satisfaction in most regions
Above-average number of customer service complaints
Complicated policy management
Your Ford Explorer model year can affect what you pay for car insurance. Newer vehicles typically cost more to insure than older models. Additionally, since most people lease or have a car loan on their new car, lenders require them to purchase full coverage, which means rates will often be higher.
The table below shows the average monthly premium for various Explorers by model year and the cheapest insurers for each, according to Compare.com data.
Explorer Model Year | Average Monthly Premium |
|---|---|
| 2026 | $168 |
| 2025 | $169 |
| 2024 | $169 |
| 2023 | $169 |
| 2022 | $169 |
| 2021 | $163 |
| 2020 | $155 |
| 2019 | $152 |
| 2018 | $147 |
| 2017 | $144 |
| 2016 | $140 |
| 2015 | $137 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $95 |
| Allstate | $121 |
| American Family | $128 |
| GEICO | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $129 |
| GEICO | $133 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $129 |
| GEICO | $133 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $129 |
| GEICO | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $95 |
| Allstate | $122 |
| GEICO | $132 |
| CSAA | $146 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $118 |
| American Family | $125 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $88 |
| Allstate | $112 |
| American Family | $119 |
| GEICO | $122 |
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $86 |
| Allstate | $110 |
| American Family | $116 |
| GEICO | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $83 |
| Allstate | $106 |
| American Family | $112 |
| GEICO | $115 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $104 |
| American Family | $110 |
| GEICO | $113 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $79 |
| Allstate | $101 |
| American Family | $107 |
| GEICO | $110 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $77 |
| Allstate | $99 |
| American Family | $104 |
| GEICO | $107 |
Where you live is a key factor that affects insurance premiums. Some states have certain risks that increase insurance premiums for drivers. Factors like severe weather events, accident rates, theft rates, repair costs, and population density all influence rates.[1]
We’ve broken down the average monthly premium for Ford Explorers in each state so you can see how rates vary across the country, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $102 |
| Arizona | $94 |
| Arkansas | $115 |
| California | $115 |
| Colorado | $159 |
| Connecticut | $176 |
| Delaware | $134 |
| Florida | $125 |
| Georgia | $143 |
| Idaho | $71 |
| Illinois | $60 |
| Indiana | $59 |
| Iowa | $89 |
| Kansas | $73 |
| Kentucky | $83 |
| Louisiana | $111 |
| Maine | $120 |
| Maryland | $84 |
| Massachusetts | $170 |
| Michigan | $78 |
| Minnesota | $129 |
| Mississippi | $97 |
| Missouri | $102 |
| Montana | $84 |
| Nebraska | $83 |
| Nevada | $50 |
| New Hampshire | $65 |
| New Jersey | $81 |
| New Mexico | $49 |
| New York | $151 |
| North Carolina | $81 |
| North Dakota | $142 |
| Ohio | $123 |
| Oklahoma | $69 |
| Oregon | $96 |
| Pennsylvania | $85 |
| Rhode Island | $90 |
| South Carolina | $123 |
| South Dakota | $137 |
| Tennessee | $77 |
| Texas | $80 |
| Utah | $123 |
| Vermont | $84 |
| Virginia | $100 |
| Washington | $80 |
| Washington D.C. | $95 |
| West Virginia | $68 |
| Wisconsin | $83 |
| Wyoming | $63 |
Age is another factor insurers use to set insurance premiums. Generally, younger drivers — especially teens — pay the highest rates, while older drivers pay less.
Young drivers have less experience and are more likely to have unsafe driving habits and get into accidents, which makes them a greater risk to insurers.[2] On the other hand, older drivers are lower-risk since they have more experience and safer driving habits. But rates tend to creep back up again once you reach age 70 due to natural declines associated with aging.[3]
Let’s take a look at how average insurance premiums vary across different age ranges, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $269 |
| Adults | $140 |
| Seniors | $120 |
Adult Explorer drivers pay about half as much for car insurance as teens. Your premiums typically decrease substantially once you reach your 20s or 30s.
Ford Explorer insurance costs more for teens and drivers younger than 25 because they have the highest accident rates. Young drivers face the greatest crash risk due to factors like inexperience, speeding, and distracted driving, according to the Centers for Disease Control and Prevention (CDC).
Still, rates vary by insurer. So comparing quotes can help you avoid overpaying. The chart below shows the cheapest insurance companies for young drivers, according to Compare.com data.
Senior drivers tend to pay some of the lowest auto insurance rates. That’s because they typically have decades of safe driving experience, which makes them less likely to file a claim. That said, rates can still vary widely from company to company. And some insurers have senior-specific discounts to help older drivers save even more.
If you’re ready to shop around to see if you’re getting the best deal, start with one of the companies in the chart below. Here are the insurers with the cheapest rates for senior drivers, based on our data.
One of the biggest factors insurers use to determine your insurance premiums is your driving history. Infractions like speeding tickets, accidents, and driving under the influence (DUI) convictions indicate to companies that you’re at a higher risk for filing claims. So you’ll pay more to insure your Ford Explorer if you have a spotty driving record.
Tickets and accidents can raise your rates for at least three years. Serious violations like DUIs hit your rates the hardest.
The chart below shows how average Ford Explorer rates vary based on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $140 |
| Speeding ticket | $188 |
| At-fault accident | $200 |
| DUI | $235 |
Your Ford Explorer insurance will usually jump after a speeding ticket because insurers link speeding to a higher crash risk. Higher speeds reduce reaction times and lead to more severe accidents, so serious speeding violations usually trigger bigger rate hikes.
But companies weigh tickets differently when setting rates, so comparing quotes can help limit the increase. The chart below shows the insurers offering the cheapest car insurance for Explorer drivers with a recent speeding ticket, according to our data.
Causing an accident doesn’t just ruin your day — it’ll also cause a spike in your car insurance rates. That’s because insurers use past behavior to determine how likely you are to file another claim. Claim frequency is one of the biggest factors affecting premiums.
But you can limit rate increases by shopping around and comparing quotes. Check out the chart below for which insurers offer the cheapest rates for Ford Explorer drivers after an at-fault accident, according to Compare.com data.
A DUI is one of the most serious driving offenses. Your insurance company will hike your rates after a DUI, and it may even refuse to renew your policy.
That said, some companies cater to high-risk drivers with a DUI conviction, so you can limit how much more you’ll pay and stay insured. Take a look at the chart below for which insurers offer the cheapest Ford Explorer insurance rates for drivers with a recent DUI, according to our data.
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It’s not just your driving record and location that affect your insurance costs. Certain features of your Ford Explorer can also influence how much you pay. Here are a few factors to consider when shopping for car insurance for your Explorer:
Vehicle value and trim level: You’ll pay more to insure a fully loaded Explorer, like a Platinum or ST, than the base model because it costs more to replace.
Repair costs: The Explorer’s repair cost is higher than the average for midsize SUVs, so insurers plan on paying more for claims and charge you higher premiums.
Loss history: The Ford Explorer has lower-than-average insurance losses, according to the Insurance Institute for Highway Safety (IIHS). That helps keep average premiums lower.
Safety features and ratings: The Explorer has a history of strong safety ratings and standard driver-assist and safety tech, which means cheaper rates. You may also qualify for a safety features discount.
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The cost to insure your Ford Explorer depends on many factors. Regardless, you can still save money on your coverage.
Here are a few ways to get cheaper insurance for your Explorer:
Buy a model with safety features. When you’re shopping for your Explorer, look for one with safety features, such as emergency braking and lane assist, and your insurance company may reward you with lower premiums.
Increase your deductible. You can save on your monthly costs by increasing your deductible. The lower your deductible, the higher your premiums will be — but make sure you can afford to pay it out of pocket if you file a claim.
Choose the right coverage. It’s important to have enough coverage to protect yourself if you get in an accident. But too much coverage or add-ons you don’t need could result in you overpaying for insurance.
Save with discounts. Most insurance companies offer discounts for bundling your policies, being a safe driver, and paying your premiums in full upfront. Check with your insurer to see which discounts you qualify for — you can usually stack multiple to maximize your savings.
Shop around for quotes. You can find the cheapest rates for your situation by shopping around and comparing quotes from multiple companies.
Get real-time quotes and save money on your next policy.
Here are answers to common questions drivers have about Ford Explorer auto insurance.
No. Ford Explorers aren’t expensive to insure, according to our data — they’re typically cheaper to insure than all other vehicles, on average. The average premium for insurance on a Ford Explorer is $140 per month, while the average premium for all vehicles is $166, according to our research.
The cheapest insurance company for a Ford Explorer is USAA, with an average monthly premium of $71, according to our research. But the cheapest company may be different for you based on your mileage and other personal factors.
The average cost of car insurance for a 2025 Ford Explorer is $169 per month, according to our data. Newer vehicles tend to be more expensive to insure because of higher repair and replacement costs.
The cheapest Ford model to insure is the Ranger, with an average monthly premium of $128, according to our data. But remember, the best way to get the most accurate quote for your Ford is to shop around and compare companies.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
