Are you considering insuring your Ford Explorer in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Ford Explorer can vary widely based on factors such as your location, driving history, and vehicle model year.
A 2023 Ford Explorer typically costs around $2,410 per year to insure, although prices vary widely for older models. For example, a 2021 Explorer costs $2,188 annually, whereas you’ll pay $1,931 annually for a 2018 model (on average).
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?
On average, insuring a Ford Explorer costs $196 per month – or $2,357 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
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 provides the most affordable car insurance for your Ford Explorer, with an average annual rate of $1,984, or $165 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer 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
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Ford Explorer will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Ford Explorer. This data can give you a clear idea of how insurance premiums change with the vehicle’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 |
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Ford Explorer car insurance rates for different trims
A Ford Explorer’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims like the Explorer Platinum, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different 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.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,653 | $4,327 | $721 |
| Adults | $2,357 | $1,179 | $196 |
The bottom line
It’s essential to know how much it will cost to insure your Ford Explorer so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your 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.” August 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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