Ford Explorer Insurance Rates

A Ford Explorer insurance average annual cost is $2,052, or $171 per month. Your exact cost will vary according to your driving record, the amount of miles you travel each year, and other variables.

About the Ford Explorer

Almost since its introduction in 1991, the Ford Explorer has grown to be one of the most popular SUVs on the market. The full-size SUV is characterized by a powerful twin turbocharged V6 engine. Around seven million Ford Explorers have been sold through the end of 2016, including over 216,000 in 2016. The 2011 North American Truck of the Year was the Ford Explorer.

Currently in its sixth generation, the Explorer has been offered with multiple chassis and powertrain layouts. The first two generations were directly derived from the Ford Ranger, switching to a model-specific chassis for the third and fourth generations. The fifth generation was repackaged as a CUV, adopting a variant of the Ford Taurus chassis architecture (developed for SUV use).

Alongside the five-door Explorer wagon, a three-door Explorer wagon was offered from 1991 to 2003, serving as the direct replacement of the Bronco II; the 2001-2010 Ford Explorer Sport Trac was a crew-cab pickup derived from the model line. For police use, the Ford Police Interceptor Utility has been derived from the fifth and sixth-generation Explorer to replace Ford Crown Victoria Police Interceptor (and the later Taurus-based Police Interceptor Sedan). Through rebranding, Mazda, Mercury, and Lincoln have sold versions of the Explorer; Lincoln currently markets the sixth-generation model line as the Lincoln Aviator.

Ford Explorer Insurance money-saving safety features

If your Ford Explorer is equipped with certain security features, you may be eligible for coverage discounts.

Ford Explorer - Ford Logo
  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

How safe is the Ford Explorer?

These days, safety is one of the top priorities for car manufacturers and consumers alike, which has led to major innovations in the safety features that come standard on most modern vehicles.

The 2017 vehicle year received the National Highway Traffic Safety Administration’s 5-Star Overall Safety Rating (NHTSA). The National Highway Traffic Safety Administration awarded the Ford Explorer a score of four out of five in a rollover crash test. The Ford Explorer received an acceptable rating in the IIHS’s small overlap front crash test, while earning a high grade in all other crash tests.

Side airbags and a driver knee airbag are standard on the Ford Explorer to protect passengers in the case of a collision. Additionally, the most recent model has anti-lock brakes and a rollover sensor to increase passenger safety.

Although the 2021 Ford Explorer didn’t bring any major changes from the 2020 model year, it’s still a commendable option for those looking to purchase a midsize SUV. The 2021 Ford Explorer offers amazing engine options, but according to U.S. News, even the base option can get up to 300-hp. The more expensive engines are twin-turbocharged V6-engines that can expel up to 365 or 400 hp.

Bottom line

From an insurance standpoint, the Ford Explorer ranks right in the middle of our list of the 360 priciest car models to insure.

Check out our reviews of Ford Insurance Rates.