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 2024 car, because of fewer at-fault claims and slightly cheaper repairs.
2024 Ford Explorer, national average
about $1,790 a year (about $150 a month)
roughly $1,300–$2,400
An average 2024 car: about $1,940. An older Ford Explorer costs less (below).
Priced: the 2024 Explorer AWD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Ford Explorer, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,790 | about $880 | +$1,180 | about $5,150 |
| 2022 (4–7 years old) | about $1,680 | about $880 | +$1,110 | about $4,830 |
| 2018 (8–12 years old) | about $1,570 | about $880 | +$1,030 | about $4,490 |
| 2013 (13 or more years old) | about $1,450 | about $880 | +$950 | about $4,150 |
We list the Ford Explorer for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 4 versions of the 2024 Ford Explorer we list (Explorer AWD, Explorer FFV AWD, Explorer Timberline AWD and Explorer RWD) all come out within about $50 of each other.
The Ford Explorer for other drivers on their own policy, a year: 22–25, $2,330; 26–39, $1,990; 65 and older, $1,880.
Adding a 16-year-old with a Ford Explorer
A new 16-year-old driving the Ford Explorer adds about $1,180 a year ($100 a month), $100 less than with an average 2024 car.
For adding a teen, the Ford Explorer ranks 27th cheapest of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Ford Explorer costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- lower than average
- Theft and weather
- about average
- Damage to others
- lower than average
- Injuries to others
- much lower than average
The part that fixes or replaces the Ford Explorer: about $910, against $950 for an average 2024 car (4% less). The part that pays for harm to others: about $880, against $990 for an average car (11% less).
By the EPA's size classes it's a standard SUV, and it's gas-powered. The Highway Loss Data Institute groups it with midsize SUVs.
Matched to “Ford Explorer 4dr 4WD” in HLDI's results.
Similar midsize SUVs
Among these 25 midsize SUVs, the Ford Explorer is the 12th least expensive to insure.
- 2024 Toyota Grand Highlanderabout $1,770 (about the same)
- 2024 Kia Tellurideabout $1,780 (about the same)
- 2024 Hyundai Santa Feabout $1,780 (about the same)
- 2024 Jeep Wranglerabout $1,790 (about the same)
- 2024 Ford Explorerabout $1,790 (this car)
- 2024 Volkswagen Tiguanabout $1,800 (about the same)
- 2024 Ford Broncoabout $1,840 (about the same)
- 2024 Mazda CX-90about $1,840 (about the same)
- 2024 Buick Enclaveabout $1,840 (about the same)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.