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 model | Average cost to insure |
|---|---|
| 2023 | $2,069 |
| 2022 | $1,751 |
| 2021 | $1,573 |
| 2020 | $1,667 |
| 2019 | $1,649 |
Data updated in 2024
Compare Ford Explorer insurance rates by state
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| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door SUV DOHC Turbo | $1,470 |
| State Farm | 4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs | $1,470 |
| State Farm | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $1,470 |
| State Farm | 4WD 4 Door SUV DOHC Turbo | $1,577 |
| Nationwide | 2WD 4 Door SUV DOHC Turbo | $2,077 |
| Nationwide | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,077 |
| Nationwide | 4WD 4 Door SUV DOHC Turbo | $2,103 |
| Nationwide | 4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs | $2,103 |
| Geico | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,410 |
| Geico | 4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs | $2,443 |
| Geico | 2WD 4 Door SUV DOHC Turbo | $2,460 |
| Geico | 4WD 4 Door SUV DOHC Turbo | $2,499 |
| Progressive | 4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs | $2,773 |
| Progressive | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $2,793 |
| Progressive | 4WD 4 Door SUV DOHC Turbo | $2,878 |
| Progressive | 2WD 4 Door SUV DOHC Turbo | $2,941 |
| Allstate | 4WD 4 Door SUV DOHC Flex Fuel 5001 to 6000 Lbs | $3,685 |
| Allstate | 2WD 4 Door SUV DOHC Turbo 6001 to 7000 Lbs | $3,685 |
| Allstate | 2WD 4 Door SUV DOHC Turbo | $7,089 |
| Allstate | 4WD 4 Door SUV DOHC Turbo | $7,558 |
Data updated in 2024
Ford Explorer insurance rates per year
2023 Ford Explorer insurance rates
Average cost to insure
$2,069
Annual cheapest rate
$1,406
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,406 |
| 2 | Nationwide | $1,746 |
| 3 | Geico | $1,755 |
| 4 | Progressive | $2,112 |
| 5 | Farmers | $2,401 |
| 6 | Allstate | $2,995 |
Data updated in 2024
2022 Ford Explorer insurance rates
Average cost to insure
$1,751
Annual cheapest rate
$1,151
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,151 |
| 2 | Geico | $1,393 |
| 3 | Progressive | $1,746 |
| 4 | Farmers | $1,893 |
| 5 | Nationwide | $2,023 |
| 6 | Allstate | $2,301 |
Data updated in 2024
2021 Ford Explorer insurance rates
Average cost to insure
$1,573
Annual cheapest rate
$1,102
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,102 |
| 2 | Progressive | $1,216 |
| 3 | Geico | $1,382 |
| 4 | Nationwide | $1,498 |
| 5 | Farmers | $1,777 |
| 6 | Allstate | $2,460 |
Data updated in 2024
2020 Ford Explorer insurance rates
Average cost to insure
$1,667
Annual cheapest rate
$1,240
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | State Farm | $1,240 |
| 2 | Geico | $1,328 |
| 3 | Progressive | $1,467 |
| 4 | Farmers | $1,749 |
| 5 | Nationwide | $1,918 |
| 6 | Allstate | $2,301 |
Data updated in 2024
2019 Ford Explorer insurance rates
Average cost to insure
$1,649
Annual cheapest rate
$1,202
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,202 |
| 2 | State Farm | $1,301 |
| 3 | Nationwide | $1,541 |
| 4 | Progressive | $1,639 |
| 5 | Farmers | $2,026 |
| 6 | Allstate | $2,185 |
Data updated in 2024
2018 Ford Explorer insurance rates
Average cost to insure
$1,626
Annual cheapest rate
$1,166
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,166 |
| 2 | State Farm | $1,275 |
| 3 | Nationwide | $1,567 |
| 4 | Progressive | $1,618 |
| 5 | Farmers | $1,974 |
| 6 | Allstate | $2,155 |
Data updated in 2024
2017 Ford Explorer insurance rates
Average cost to insure
$1,617
Annual cheapest rate
$1,178
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,178 |
| 2 | State Farm | $1,254 |
| 3 | Progressive | $1,601 |
| 4 | Nationwide | $1,685 |
| 5 | Farmers | $1,944 |
| 6 | Allstate | $2,042 |
Data updated in 2024
2016 Ford Explorer insurance rates
Average cost to insure
$1,545
Annual cheapest rate
$1,110
Available trims
| Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,110 |
| 2 | State Farm | $1,257 |
| 3 | Nationwide | $1,474 |
| 4 | Progressive | $1,582 |
| 5 | Farmers | $1,889 |
| 6 | Allstate | $1,960 |
Data updated in 2024
