Best Ford Explorer Car Insurance in 2026 (Top 10 Companies Ranked)

The best Ford Explorer car insurance are State Farm, AAA, and USAA, known for their superior coverage and customer service.

These companies offer policies that combine affordability with extensive protection, making them the go-to choices for Ford Explorer owners. Each provider is celebrated for its commitment to excellence and reliability in the insurance market. Learn more in our detailed review on our article titled “Best Ford Car Insurance Rates.”

Our Top 10 Company Picks: Best Ford Explorer Car Insurance

Ford Explorer Car Insurance Monthly Rates by Coverage Level & Provider

The insurance costs for Ford Explorer vary significantly between providers and coverage levels. For minimum coverage, Allstate offers the lowest rate at $42, while the highest is from AAA at $88 per month. Read more about this provider in our guide titled “AAA Car Insurance Discounts.”

On the other hand, full coverage rates show a broader range, with Geico providing the most affordable option at $131, and Liberty Mutual being the most expensive at $246. This range indicates the importance of comparing rates and coverage options to find the best insurance plan for your Ford Explorer, balancing cost against the breadth of coverage.

Ford Explorer Insurance Cost

The average monthly car insurance rates for a Ford Explorer stand at $109. This amount reflects the standard cost typically associated with insuring this type of vehicle.

Ford Explorer Car Insurance Monthly Rates by Coverage Type

Conclusively, the average monthly insurance cost for a Ford Explorer stands at $109, reflecting a standard rate for insuring this popular vehicle. It’s crucial for owners to compare insurance rates, considering factors like deductibles and driver profiles, to find the most suitable and cost-effective coverage. Discover more in our article titled “Is car insurance tax deductible?”

Are Ford Explorers Expensive to Insure

The chart below compares Ford Explorer insurance rates with other SUVs such as the Acura MDX, Acura RDX, and BMW X3. It details how the rates vary across these models. Explore additional information in our guide titled “Best Acura Car Insurance Rates.”

Ford Explorer Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

There are several strategies you can employ to secure the lowest online rates for Ford insurance. These methods can help you find the most cost-effective options available.

What Impacts the Cost of Ford Explorer Insurance

The trim and model of your Ford Explorer can significantly affect the total price of your auto insurance coverage. Choosing different versions will impact the insurance costs you incur.

Age of the Vehicle

The average Ford Explorer auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Ford Explorer costs approximately $109 per month, while 2010 Ford Explorer insurance costs about $91 per month, a difference of $18 per month.

Ford Explorer Car Insurance Monthly Rates by Age of the Vehicle

In conclusion, the cost of insuring a Ford Explorer varies significantly with the age of the vehicle, with newer models generally commanding higher insurance rates. For instance, the monthly premium for a 2020 Ford Explorer is $18 higher than that for a 2010 model, underscoring the impact of vehicle age on insurance costs.

Driver Age

Driver age can significantly affect Ford Explorer car insurance rates. For example, 20-year-old drivers pay approximately $133 more per month for their Ford Explorer car insurance than 30-year-old drivers.

Ford Explorer Car Insurance Monthly Rates by Age

In conclusion, driver age plays a crucial role in determining the cost of Ford Explorer car insurance, with younger drivers, such as those aged 20, paying significantly more than older drivers. As drivers mature, their insurance rates tend to decrease, reflecting the increased experience and decreased risk they bring to the road. Find further information in our guide titled “Best Car Insurance for High-Risk Drivers.”

Driver Location

Where you live can have a large impact on Ford Explorer insurance rates. For example, drivers in Los Angeles may pay approximately $94 a month more than drivers in Indianapolis.

Ford Explorer Car Insurance Monthly Rates by City

In conclusion, the location of a driver plays a significant role in determining the insurance rates for a Ford Explorer, with costs varying considerably across different cities.

For instance, the monthly premium difference between Los Angeles and Indianapolis highlights the geographic disparities in insurance pricing, emphasizing the importance of location in insurance cost assessments. Explore insurance savings in our comprehensive guide titled “Do car accidents where you live affect car insurance rates?”

Your Driving Record

Your driving record can have an impact on the cost of Ford Explorer auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Explorer auto insurance rates with violations on their driving record.

Ford Explorer Car Insurance Monthly Rates by Age & Driving Record

Your driving record significantly influences your Ford Explorer insurance costs, with rates escalating notably for younger drivers who have violations or accidents recorded.

Ford Explorer Safety Ratings

The safety ratings of your Ford Explorer significantly influence your auto insurance rates. These ratings are a key factor in determining the cost of your policy. See the breakdown below:

Ford Explorer Safety Ratings

The safety ratings of the Ford Explorer, ranging from “Acceptable” to “Good” across various tests, play a crucial role in shaping the cost of your auto insurance policy. Explore our guide titled “Can I change my car insurance company mid-policy?” to learn more about the offerings.

Ford Explorer Crash Test Ratings

Ford Explorer crash test ratings significantly impact your car insurance rates. These ratings are crucial in determining the cost of insuring your Ford Explorer.

Ford Explorer Crash Test Ratings

The crash test ratings of the Ford Explorer, consistently high across several models, play a vital role in influencing insurance costs for this vehicle.

Ford Explorer Safety Features

The more safety features your Ford Explorer has, the higher your chances of earning a discount. Safety enhancements directly impact the likelihood of reduced insurance rates. The Ford Explorer’s safety features include:

Ford Explorer Insurance Loss Probability

The Ford Explorer’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Explorer, others are more favorable and lead to lower insurance rates.

Ford Explorer Insurance Loss Probability

The Ford Explorer’s varying insurance loss ratios across different coverage categories highlight its overall risk and cost-effectiveness. While certain categories like personal injury and medical payment show more favorable ratios, leading to potentially lower premiums, others may reflect higher costs depending on the insurer’s risk assessment.

Ford Explorer Finance and Insurance Cost

When financing a Ford Explorer, it’s essential to consider both the loan payment and insurance costs, as they collectively determine the monthly financial commitment. Interest rates and loan terms can significantly influence the total cost of ownership, with dealerships occasionally offering special financing rates.

Insurance expenses also vary widely depending on factors like the driver’s age, driving record, and chosen coverage level. On average, full coverage might cost between $100 and $200 monthly, but this can fluctuate based on location and the insurance provider.

Prospective Ford Explorer owners can reduce costs by comparing financial and insurance options, selecting higher deductibles for lower premiums, or bundling policies for discounts. Such strategic planning makes ownership more affordable and ensures adequate protection for their investment. Explore our analysis in our guide titled “How to Find Your Car Insurance Deductible Amount.”

Ways to Save on Ford Explorer Insurance

Save more on your Ford Explorer car insurance rates. Take a look at the following five strategies that will get you the best Ford Explorer auto insurance rates possible.

• Ask about mature driver discounts for drivers over 50.
• Ask about Ford Explorer low mileage discounts.
• Don’t always pick the cheapest Ford Explorer insurance policy.
• Pay your Ford Explorer insurance upfront.
• Avoid the temptation to file a claim for minor incidents.

By exploring mature driver discounts, considering low mileage rates, choosing quality over cost, paying upfront, and minimizing claims for minor incidents, you can significantly reduce your Ford Explorer car insurance expenses. Discover specifics in our guide called “How long does a car insurance claim take to process?”

Top Ford Explorer Insurance Companies

Who is the top car insurance company for Ford Explorer insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Explorer auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Explorer offers.

Top Ford Explorer Car Insurance Providers by Market Share

State Farm leads the market in providing Ford Explorer insurance, highlighting their significant share and commitment to offering competitive rates and discounts tailored to the vehicle’s safety features.

As consumers consider various insurers, it’s clear that choices abound, with companies like Geico and Progressive also offering substantial market presence and customized policies for Ford Explorer owners. Learn more about coverage options and monthly rates in our guide titled “Progressive Car Insurance Discounts.”

Compare Free Ford Explorer Insurance Quotes Online

Finding the right car insurance for your Ford Explorer doesn’t have to be a complex process. With the convenience of online tools, you can easily compare free insurance quotes tailored to your vehicle. This approach helps you assess various insurance options from top providers, ensuring that you find a policy that offers the best balance of coverage, cost, and customer service.

By entering simple details about your Ford Explorer and your driving history, you can quickly receive a range of quotes. This allows you to see side-by-side comparisons of what different insurers charge, what discounts you might qualify for, and how different coverage levels affect your premium.

Taking advantage of these free online quote tools not only saves you time but also empowers you to make informed decisions, potentially saving you money while securing optimal protection for your Ford Explorer. “What information do you need for a car insurance quote?”

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.