How much is insurance on a Ford Explorer?

A 2024 Ford Explorer runs about $1,790 a year for a typical 45-year-old, $150 less than an average car of the same age, because of fewer injury claims, less damage to others' property, and lower crash-repair losses. Putting a new 16-year-old on a family policy with the Explorer adds about $1,180 a year (#12 of 25 midsize SUVs we compare).

2024 Ford Explorer (Explorer AWD), national average

about $1,790 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Explorer drops to about $1,510 (see the table below).

A Ford Explorer from the 2020–present generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Explorer AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Explorer's rank is the same in every state.

Why the Ford Explorer costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Explorer 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 86 for crash repairs, 98 for non-crash damage, 84 for damage to others' property, and 74 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage14% better than average12th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage2% better than average18th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage16% better than average13th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 26% less often than average6th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Explorer comes out about 11% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 4% less than average: about $910 a year vs $950. On the liability side, damage to others and injury claims combine to about 22% better than average. We count about half, so that part is about 11% less: $880 a year vs $990.

How the math works

In EPA size classes, the Explorer is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Ford Explorer is benchmarked against midsize SUVs.

Matched to HLDI series “Ford Explorer 4dr 4WD” (HLDI, 2022–24 models).

A used Ford Explorer, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Explorer AWD (0–3 years old)	about $1,790	about $880	+$1,180	about $5,150
2022 Explorer AWD (4–7 years old)	about $1,680	about $880	+$1,110	about $4,830
2018 Explorer AWD (8–12 years old)	about $1,470	about $790	+$970	about $4,220
2013 Explorer AWD (13 or more years old)	about $1,510	about $930	+$1,000	about $4,340

Our catalog covers the Ford Explorer across model years 2006–2027. Full coverage on a used 2013 Explorer (13 or more years old) runs about $1,510 a year, $280 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $930 a year. Each photo shows that year's generation of the car. Photo credits.

All 4 versions of the 2024 Ford Explorer in our catalog (Explorer AWD, Explorer FFV AWD, Explorer Timberline AWD and Explorer RWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Ford Explorer, a 22–25-year-old pays about $2,330 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,990, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Ford Explorer

Because the Ford Explorer starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,150 a year, about $3,960 more than sharing the family policy.

For adding a teen driver, the Ford Explorer ranks 27th cheapest out of all 121 models we track. Stepping down to a used 2013 Explorer (13 or more years old) brings the teen add-on to about $1,000 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Ford Explorer is the 12th least expensive to insure. Right next to it are the Jeep Wrangler (about $1,790 a year) and the Volkswagen Tiguan (about $1,800).

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Explorer costs in your state

In six sample states, a 2024 Ford Explorer runs from about $1,200 a year in North Dakota through Tennessee, Pennsylvania, Arizona and Rhode Island to about $2,150 in Texas:

North Dakotaabout $1,200/yr · +$790 teen
Tennesseeabout $1,510/yr · +$1,000 teen
Pennsylvaniaabout $1,590/yr · +$1,050 teen
Arizonaabout $1,880/yr · +$1,240 teen
Rhode Islandabout $2,130/yr · +$1,410 teen
Texasabout $2,150/yr · +$1,420 teen

All 50 states and DC · Updated November 5, 2026.

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