Prachi Singh Written by Prachi Singh
Contributing Researcher

Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.


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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Ford Explorer is $2,069 per year or $172 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2023 Ford Explorer costs $2,069 per year, whereas the 2022 Ford Explorer costs $1,751 annually. State Farm offers the cheapest annual rate for 2023 Ford Explorer $1,406 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Ford Explorer by model year

Year of Ford Explorer modelAverage cost to insure
2023$2,069
2022$1,751
2021$1,573
2020$1,667
2019$1,649
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Compare Ford Explorer insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
State Farm2WD 4 Door SUV DOHC Turbo$1,470
State Farm4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs$1,470
State Farm2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs$1,470
State Farm4WD 4 Door SUV DOHC Turbo$1,577
Nationwide2WD 4 Door SUV DOHC Turbo$2,077
Nationwide2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs$2,077
Nationwide4WD 4 Door SUV DOHC Turbo$2,103
Nationwide4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs$2,103
Geico2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs$2,410
Geico4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs$2,443
Geico2WD 4 Door SUV DOHC Turbo$2,460
Geico4WD 4 Door SUV DOHC Turbo$2,499
Progressive4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs$2,773
Progressive2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs$2,793
Progressive4WD 4 Door SUV DOHC Turbo$2,878
Progressive2WD 4 Door SUV DOHC Turbo$2,941
Allstate4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs$3,685
Allstate2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs$3,685
Allstate2WD 4 Door SUV DOHC Turbo$7,089
Allstate4WD 4 Door SUV DOHC Turbo$7,558

Ford Explorer insurance rates per year

2023

2023 Ford Explorer insurance rates

Average cost to insure $2,069
Annual cheapest rate $1,406
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1State Farm$1,406
2Nationwide$1,746
3Geico$1,755
4Progressive$2,112
5Farmers$2,401
6Allstate$2,995
2022

2022 Ford Explorer insurance rates

Average cost to insure $1,751
Annual cheapest rate $1,151
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1State Farm$1,151
2Geico$1,393
3Progressive$1,746
4Farmers$1,893
5Nationwide$2,023
6Allstate$2,301
2021

2021 Ford Explorer insurance rates

Average cost to insure $1,573
Annual cheapest rate $1,102
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1State Farm$1,102
2Progressive$1,216
3Geico$1,382
4Nationwide$1,498
5Farmers$1,777
6Allstate$2,460
2020

2020 Ford Explorer insurance rates

Average cost to insure $1,667
Annual cheapest rate $1,240
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1State Farm$1,240
2Geico$1,328
3Progressive$1,467
4Farmers$1,749
5Nationwide$1,918
6Allstate$2,301
2019

2019 Ford Explorer insurance rates

Average cost to insure $1,649
Annual cheapest rate $1,202
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1Geico$1,202
2State Farm$1,301
3Nationwide$1,541
4Progressive$1,639
5Farmers$2,026
6Allstate$2,185
2018

2018 Ford Explorer insurance rates

Average cost to insure $1,626
Annual cheapest rate $1,166
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1Geico$1,166
2State Farm$1,275
3Nationwide$1,567
4Progressive$1,618
5Farmers$1,974
6Allstate$2,155
2017

2017 Ford Explorer insurance rates

Average cost to insure $1,617
Annual cheapest rate $1,178
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1Geico$1,178
2State Farm$1,254
3Progressive$1,601
4Nationwide$1,685
5Farmers$1,944
6Allstate$2,042
2016

2016 Ford Explorer insurance rates

Average cost to insure $1,545
Annual cheapest rate $1,110
Available trims King Ranch, Limited, Platinum, Police Interceptor, ST, ST-Line, Timberline, XLT
RankCompanyAverage annual premium
1Geico$1,110
2State Farm$1,257
3Nationwide$1,474
4Progressive$1,582
5Farmers$1,889
6Allstate$1,960
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