Ford Explorer Insurance Cost
Numbers refreshed
The insurance cost of a Ford Explorer, shown next to the average car's insurance cost.
- Full coverage: an estimated $113 a month, which is the US average.
- 85.for collision losses (100 = average).
The Ford Explorer compared with others
For every model, IIHS-HLDI compares insurance losses with the figure for an average car (100). Collision losses for the 2022-2024 Ford Explorer come to 85, and property damage losses to 84.
How similar cars compare on losses
| Coverage | Ford Explorer | All midsize SUVs |
|---|---|---|
| Collision | 85 | 84 |
| Property damage | 84 | 94 |
| Comprehensive | 81 | 89 |
| Bodily injury | 92 | 87 |
Estimated Ford Explorer insurance cost
The US average comes to about $1,351 a year for an adult who has a clean record and carries full coverage, driving a Ford Explorer, 16% below what the average car costs.
| Cheapest and dearest states | Per year | Per month |
|---|---|---|
| Maine | $838 | $70 |
| Vermont | $871 | $73 |
| Hawaii | $883 | $74 |
| North Dakota | $899 | $75 |
| Idaho | $910 | $76 |
| Georgia | $1,654 | $138 |
| District of Columbia | $1,667 | $139 |
| Louisiana | $1,801 | $150 |
| New York | $1,804 | $150 |
| Florida | $1,823 | $152 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Find your own number
The calculator adds your state, age and record to the Ford Explorer you select. Costs for other Ford cars: Ford insurance cost.
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