If you’re wondering how much it will cost to insure your Ford Explorer in 2025, you’re in the right place. Insurance rates for the Ford Explorer vary based on your location, driving record and model year.
On average, insuring a 2023 Ford Explorer costs around $2,410 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Explorer might cost slightly less, around $2,188 per year, while insuring a 2018 model could be even more budget-friendly at $1,931 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Ford Explorer.
What is the cost to insure your Ford Explorer in 2025?
The average cost to insure a Ford Explorer is $196 per month or $2,357 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Ford Explorer
Nationwide offers the cheapest car insurance rates for Ford Explorer at an average annual cost of $1,984 a year or $165 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Ford Explorer
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,984 | $992 | $165 |
| State Farm | $2,059 | $1,029 | $172 |
| Geico | $2,087 | $1,043 | $174 |
| Progressive | $2,350 | $1,175 | $196 |
| Farmers | $2,862 | $1,431 | $238 |
| Allstate | $2,879 | $1,440 | $240 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Ford Explorer car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Ford Explorer generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
The table below shows the average annual insurance costs for various model years of the Ford Explorer, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,693 | $847 | $141 |
| 2015 | $1,755 | $878 | $146 |
| 2016 | $1,840 | $920 | $153 |
| 2017 | $1,875 | $937 | $156 |
| 2018 | $1,931 | $966 | $161 |
| 2019 | $1,974 | $987 | $164 |
| 2020 | $2,152 | $1,076 | $179 |
| 2021 | $2,188 | $1,094 | $182 |
| 2022 | $2,310 | $1,155 | $193 |
| 2023 | $2,410 | $1,205 | $201 |
Ford Explorer car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Ford Explorer. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Explorer Platinum, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Ford Explorer.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Explorer | $2,239 | $1,120 | $187 |
| Explorer XLT | $2,297 | $1,148 | $191 |
| Explorer ST-Line | $2,356 | $1,178 | $196 |
| Explorer Timberline | $2,372 | $1,186 | $198 |
| Explorer Limited | $2,376 | $1,188 | $198 |
| Explorer King Ranch | $2,407 | $1,203 | $201 |
| Explorer ST | $2,415 | $1,208 | $201 |
| Explorer Platinum | $2,433 | $1,217 | $203 |
Ford Explorer insurance rates: State-by-state breakdown
The cost of insuring a Ford Explorer vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Ford Explorer by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,172 | $1,086 | $181 |
| Alabama | $2,180 | $1,090 | $182 |
| Arkansas | $2,511 | $1,255 | $209 |
| Arizona | $2,267 | $1,133 | $189 |
| California | $2,949 | $1,474 | $246 |
| Colorado | $3,030 | $1,515 | $252 |
| Connecticut | $2,512 | $1,256 | $209 |
| Washington, D.C. | $2,741 | $1,370 | $228 |
| Delaware | $2,368 | $1,184 | $197 |
| Florida | $2,798 | $1,399 | $233 |
| Georgia | $3,032 | $1,516 | $253 |
| Hawaii | $1,547 | $774 | $129 |
| Iowa | $2,024 | $1,012 | $169 |
| Idaho | $1,454 | $727 | $121 |
| Illinois | $2,280 | $1,140 | $190 |
| Indiana | $2,058 | $1,029 | $171 |
| Kansas | $2,436 | $1,218 | $203 |
| Kentucky | $2,927 | $1,463 | $244 |
| Louisiana | $3,967 | $1,983 | $331 |
| Massachusetts | $2,125 | $1,063 | $177 |
| Maryland | $2,301 | $1,151 | $192 |
| Maine | $1,716 | $858 | $143 |
| Michigan | $3,057 | $1,529 | $255 |
| Minnesota | $2,486 | $1,243 | $207 |
| Missouri | $2,951 | $1,476 | $246 |
| Mississippi | $2,412 | $1,206 | $201 |
| Montana | $2,452 | $1,226 | $204 |
| North Carolina | $2,101 | $1,051 | $175 |
| North Dakota | $2,007 | $1,004 | $167 |
| Nebraska | $2,536 | $1,268 | $211 |
| New Hampshire | $1,801 | $901 | $150 |
| New Jersey | $2,347 | $1,174 | $196 |
| New Mexico | $2,393 | $1,197 | $199 |
| Nevada | $2,255 | $1,127 | $188 |
| New York | $1,770 | $885 | $147 |
| Ohio | $1,621 | $811 | $135 |
| Oklahoma | $2,509 | $1,255 | $209 |
| Oregon | $2,183 | $1,092 | $182 |
| Pennsylvania | $2,545 | $1,273 | $212 |
| Rhode Island | $2,808 | $1,404 | $234 |
| South Carolina | $2,286 | $1,143 | $190 |
| South Dakota | $2,888 | $1,444 | $241 |
| Tennessee | $2,524 | $1,262 | $210 |
| Texas | $3,375 | $1,688 | $281 |
| Utah | $1,868 | $934 | $156 |
| Virginia | $1,766 | $883 | $147 |
| Vermont | $1,638 | $819 | $136 |
| Washington | $2,090 | $1,045 | $174 |
| Wisconsin | $1,793 | $896 | $149 |
| West Virginia | $2,154 | $1,077 | $179 |
| Wyoming | $2,262 | $1,131 | $188 |
How your age impacts Ford Explorer insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,653 | $4,327 | $721 |
| Adults | $2,357 | $1,179 | $196 |
The bottom line
Knowing how much it costs to insure a Ford Explorer is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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