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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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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