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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Ford Explorer is a top-selling midsize SUV in the U.S.,[1] and its 2024 model received the Insurance Institute for Highway Safety (IIHS) Top Safety Pick+ award for excellent safety standards.[2] Plus, car insurance for the Ford Explorer averages $133 per month — lower than the national average for all vehicles, according to our research.
But your personal rates will vary based on many factors, including your Explorer’s model year, the state you live in, and your driving record. The best way to get an accurate price for your Explorer is to get personalized quotes from several companies.
If you’re in the market for insurance on your Ford Explorer, this article covers average rates for a variety of situations, the best insurers for Explorers, and ways to save on coverage.
The average cost to insure a Ford Explorer is $94 per month for liability insurance and $173 for full coverage.
Mile Auto is the cheapest insurer for Explorers, with an average rate of $62 per month.
North Carolina is the cheapest state for Ford Explorer insurance, averaging $66 per month, while New York has the highest rate — $338.
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  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Explorer | $94 | $173 | $133 |
| All vehicles | $107 | $197 | $152 |
Ford Explorer drivers pay a monthly average of $94 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 $133 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 |
|---|---|
| Mile Auto | $62 |
| Novo | $63 |
| Certainly | $72 |
| Travelers | $77 |
| Apparent | $85 |
Mile Auto has the cheapest average rates for Explorer drivers, with an average premium of just $62 per month. But it may not be your cheapest option since your unique driver profile can influence your rate. That’s why comparing companies before purchasing your next policy is so important.
Next, we’ll cover some of the best car insurance companies for Ford Explorers.
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No single car insurance company will be the best for every driver, but some insurers stand out because of their average rates, available discounts, customer ratings, and coverage options.
Here are three of the best insurance companies for Ford Explorer drivers to help you with your insurance search, based on our research.
Compare.com Rating: 3.28 out of 5
Among the cheapest insurers for Ford Explorers
No required tracking device
Easy quote and sign-up process
Limited coverage options
No discounts available
Available in only a handful of U.S. states
Mile Auto has a pay-per-mile insurance model, meaning you pay only for the miles you drive (plus a monthly base rate). It’s an ideal option for low-mileage drivers, like remote workers and retirees, who may be overpaying with traditional insurance.
And unlike many other pay-per-mile services, Mile Auto doesn’t track your driving habits with a device or mobile app. Instead, you simply submit a photo of your odometer every month.
Compare.com Rating: 4.23 out of 5
Many coverage options
Offers accident forgiveness
Large network of local independent agents
Travelers offers a wide variety of coverage and discount options, making it a good option for many types of drivers. It also has specialty coverages like gap insurance, rideshare coverage, and new car replacement.
The insurer has discounts for owning a home, driving a new car, and having a hybrid or electric vehicle, but many discounts aren’t available in California. As an added bonus, unlike the other insurers on our list, Travelers has a large network of local independent agents, meaning you can get hands-on, personalized service.
Compare.com Rating: Not rated
Low rates for Ford Explorers
Savings for safe and low-mileage drivers
Multiple discounts available
Available only in Arizona
Limited coverage options
$50 cancellation fee
Novo has a unique model in which your insurance premium isn’t set from month to month. Instead, the company tracks your driving and gives you a safety score each month. The company then sets your premium based on last month’s safety score and mileage.
Novo is a great option for safe drivers or those with low mileage. Unfortunately, it’s currently only available in Arizona, but future locations include Wisconsin, Ohio, Indiana, and Tennessee. Novo also offers a decent lineup of discounts, including savings for teen drivers, homeowners, and continuous coverage.
Compare personalized quotes from America’s top companies.
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 | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $202 | Mile Auto | $95 |
| 2024 | $178 | Mile Auto | $83 |
| 2023 | $159 | Mile Auto | $74 |
| 2022 | $164 | Mile Auto | $77 |
| 2021 | $153 | Mile Auto | $71 |
| 2020 | $153 | Mile Auto | $71 |
| 2019 | $150 | Mile Auto | $70 |
| 2018 | $142 | Mile Auto | $66 |
| 2017 | $140 | Mile Auto | $65 |
| 2016 | $141 | Mile Auto | $66 |
| 2015 | $133 | Mile Auto | $62 |
| 2014 | $133 | Mile Auto | $62 |
The model year isn’t the only factor that affects your insurance premiums. Prices also vary from state to state.
With that in mind, let’s see how your location affects your rates.
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.[5]
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 | $88 |
| Arizona | $118 |
| Arkansas | $168 |
| California | $169 |
| Colorado | $138 |
| Connecticut | $267 |
| Delaware | $163 |
| Florida | $172 |
| Georgia | $174 |
| Idaho | $89 |
| Illinois | $110 |
| Indiana | $95 |
| Iowa | $80 |
| Kansas | $108 |
| Kentucky | $172 |
| Louisiana | $159 |
| Maine | $104 |
| Maryland | $242 |
| Massachusetts | $132 |
| Michigan | $206 |
| Minnesota | $132 |
| Mississippi | $132 |
| Missouri | $129 |
| Montana | $107 |
| Nebraska | $124 |
| Nevada | $210 |
| New Hampshire | $81 |
| New Jersey | $139 |
| New Mexico | $102 |
| New York | $338 |
| North Carolina | $66 |
| North Dakota | $102 |
| Ohio | $89 |
| Oklahoma | $114 |
| Oregon | $113 |
| Pennsylvania | $115 |
| Rhode Island | $101 |
| South Carolina | $193 |
| South Dakota | $85 |
| Tennessee | $99 |
| Texas | $156 |
| Utah | $128 |
| Vermont | $96 |
| Virginia | $127 |
| Washington | $98 |
| District of Columbia | $200 |
| West Virginia | $102 |
| Wisconsin | $89 |
| Wyoming | $85 |
Aside from where you live, other personal factors can affect your auto insurance costs. In the next section, we’ll explore how your age can affect your premiums.
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.[6] 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.[7]
Let’s take a look at how average insurance premiums vary across different age ranges, according to our data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $251 | Mile Auto | $117 |
| Adults | $122 | Mile Auto | $57 |
| Seniors | $103 | Mile Auto | $48 |
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. Notably, Mile Auto offers the best rates for all three age groups.
Your driving history is another important risk indicator. If you have violations on your record, including speeding tickets, at-fault accidents, or DUIs, you’re statistically more likely to file claims in the future. Because of this, insurers will consider you a high-risk driver and charge you accordingly.
The table below breaks down the average premiums for different driving records and the cheapest insurer for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $133 | Mile Auto | $62 |
| Speeding ticket | $185 | Mile Auto | $86 |
| At-fault accident | $193 | Mile Auto | $90 |
| DUI | $219 | Mile Auto | $102 |
Unsurprisingly, drivers with clean records pay considerably less than drivers with violations on their records. More serious violations, such as a DUI conviction, result in a larger rate increase than a speeding ticket.
Still, Mile Auto offers the cheapest average rates for every driving record category.
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The Ford Explorer is a popular three-row midsize SUV and is among the cheapest SUVs to insure, according to our data. It also has some features and options that may help reduce accident risk,[8] which insurers may take into account when setting your insurance premiums.
For example, some come with driver-assist technology like blind-spot information and adaptive cruise control.[9] Other Explorer safety features include:
Lane assist
Rear-view camera
Steering assist
Hill-descent control
Automatic emergency braking
Auto high-beam headlights
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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 $133 per month, while the average premium for all vehicles is $152, according to our research.
The cheapest insurance company for a Ford Explorer is Mile Auto, with an average monthly premium of $62, 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 $202 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 Escape, 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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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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