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Ford Explorer Insurance Rates

Buying auto insurance through online providers is easy, plus you can save money. The key is getting rates from all companies so you can get every option.

People who are new to buying insurance may think shopping for low-cost Explorer insurance is hard and time consuming. Finding a lower price on Explorer insurance is surprisingly easy. You just have to take a little time getting comparison quotes from different insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Car insurance premiums on a Ford Explorer can be significantly different based upon several criteria. Including but not limited to:

  • Your driving record
  • Better credit means lower rates
  • Where you live
  • The number of annual miles
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your Explorer
  • Your claim history
  • No coverage lapses saves money
  • Home ownership saves money

An additional factor that helps determine Explorer insurance rates is the year of the vehicle. New vehicles cost more than older models so repair costs are higher which may end up costing you more. Conversely, more recent Ford vehicles may have safety features such as a backup camera, autonomous braking, active head restraints, and all-wheel drive that may help give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your Ford resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your Explorer can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Explorer Insurance Rates?