The Cheapest Car Insurance for a Ford Explorer

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Drivers of the most recent Ford Explorer model pay an average of $1,515 per year for car insurance, but you might find cheaper coverage if you shop around.

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Nerdy takeaways
  • The cheapest insurance company for a 2022 Ford Explorer is USAA at $980 per year, on average.

  • The Ford Explorer costs an average of $1,515 per year to insure.

  • That works out to a car insurance rate of $126 per month.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. Read our methodology.

Jump to your Model Year

The vehicle you drive plays a big role in determining how much you pay for auto insurance. Insurers set rates based on factors like how expensive a vehicle’s repair costs are, how often a car is broken into or stolen, and even the likelihood of a vehicle getting into an accident. The cheapest cars to insure usually don’t cost as much to repair after a claim, while those with higher repair costs — like luxury vehicles and sporty models — tend to be more expensive to insure.

Auto insurance rates vary by company, so shopping around and comparing quotes from multiple insurers is the best way to find cheap car insurance.

How much does Ford Explorer insurance cost?

The average cost for Ford Explorer insurance in 2022 is $126 per month, according to NerdWallet’s most recent analysis of full coverage insurance rates. But each model year will likely have different insurance costs. Check out the table below to see the average insurance cost by model year.

Year
Cost
2022$1,515
2021$1,484
2020$1,463
2019$1,412
2018$1,393
2017$1,355
2016$1,316
2015$1,288
2014$1,257
2013$1,223

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Cheapest insurance for a 2022 Ford Explorer

The average cost of car insurance for Ford Explorer is $1,515 per year, but you may be able to find cheaper rates if you shop around and compare quotes from multiple insurance companies.

Here are the cheapest car insurance companies for a 2022 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$980
NerdWallet rating 

4.0

/5
Erie$983
NerdWallet rating 

4.0

/5
Nationwide$1,122
NerdWallet rating 

4.5

/5
Auto-Owners Insurance$1,128
NerdWallet rating 

5.0

/5
American Family$1,154
NerdWallet rating 

5.0

/5

>> MORE: Estimate car insurance

Cheapest insurance for a 2021 Ford Explorer

Our analysis found that the average auto insurance cost for a Ford Explorer is $1,484 per year, which is 2.09% less to insure than the 2022 model. But shopping around and comparing quotes from multiple insurers may help you get an even lower rate.

Here are the cheapest insurance companies for a 2021 Ford Explorer.

Company
Cost
NerdWallet Rating
Erie$958
NerdWallet rating 

4.0

/5
USAA$979
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,085
NerdWallet rating 

5.0

/5
American Family$1,130
NerdWallet rating 

5.0

/5
Nationwide$1,142
NerdWallet rating 

4.5

/5

>> MORE: Types of car insurance

Cheapest insurance for a 2020 Ford Explorer

The average car insurance rate for a 2020 Ford Explorer is $1,463 per year, but you might find even cheaper rates by shopping around and comparing quotes from multiple insurance companies.

Here are the cheapest insurers for a 2020 Ford Explorer.

Company
Cost
NerdWallet Rating
Erie$934
NerdWallet rating 

4.0

/5
USAA$1,048
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,049
NerdWallet rating 

5.0

/5
American Family$1,114
NerdWallet rating 

5.0

/5
State Farm$1,204
NerdWallet rating 

5.0

/5

>> MORE: Car insurance quotes: How to shop and compare online

Cheapest insurance for a 2019 Ford Explorer

NerdWallet’s analysis found that the average cost of insurance for a 2019 Ford Explorer is $1,412. But you can typically find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest car insurance companies for a 2019 Ford Explorer.

Company
Cost
NerdWallet Rating
Erie$926
NerdWallet rating 

4.0

/5
USAA$932
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,009
NerdWallet rating 

5.0

/5
American Family$1,104
NerdWallet rating 

5.0

/5
State Farm$1,239
NerdWallet rating 

5.0

/5

>> MORE: The average cost of car insurance

Cheapest insurance for a 2018 Ford Explorer

The average cost to insure a 2018 Ford Explorer is $1,393. But you might find even cheaper rates if you compare car insurance quotes from multiple companies.

Here are the cheapest insurers for a 2018 Ford Explorer.

Company
Cost
NerdWallet Rating
Erie$912
NerdWallet rating 

4.0

/5
USAA$938
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$980
NerdWallet rating 

5.0

/5
American Family$1,089
NerdWallet rating 

5.0

/5
State Farm$1,156
NerdWallet rating 

5.0

/5

>> MORE: The cheapest full coverage car insurance

Cheapest insurance for a 2017 Ford Explorer

Nerdwallet’s analysis found that the average cost to insure a 2017 Ford Explorer is $1,355. But you can likely get even cheaper rates if you compare quotes from a few different insurance companies.

Here are the cheapest insurers for a 2017 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$854
NerdWallet rating 

4.0

/5
Erie$892
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$954
NerdWallet rating 

5.0

/5
American Family$1,073
NerdWallet rating 

5.0

/5
State Farm$1,158
NerdWallet rating 

5.0

/5

>> MORE: The best cheap car insurance

Cheapest insurance for a 2016 Ford Explorer

A 2016 Ford Explorer costs an average of $1,316 to insure, per year. But you might find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest insurers for a 2016 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$819
NerdWallet rating 

4.0

/5
Erie$873
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$916
NerdWallet rating 

5.0

/5
American Family$1,052
NerdWallet rating 

5.0

/5
State Farm$1,124
NerdWallet rating 

5.0

/5

>> MORE: Cheap car insurance companies

Cheapest insurance for a 2015 Ford Explorer

Our analysis found that a 2015 Ford Explorer will cost an average of $1,288. But shopping around and comparing quotes from multiple insurers may get you an even lower rate.

Here are the cheapest companies for a 2015 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$794
NerdWallet rating 

4.0

/5
Erie$886
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$891
NerdWallet rating 

5.0

/5
American Family$1,035
NerdWallet rating 

5.0

/5
State Farm$1,089
NerdWallet rating 

5.0

/5

>> MORE: Your guide to car insurance discounts

Cheapest insurance for a 2014 Ford Explorer

Our analysis found that a 2014 Ford Explorer costs an average rate of $1,257 per year to insure. But you could find even cheaper insurance if you shop around to compare quotes from multiple insurers.

Here are the cheapest car insurance companies for a 2014 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$772
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$858
NerdWallet rating 

5.0

/5
Erie$867
NerdWallet rating 

4.0

/5
American Family$1,015
NerdWallet rating 

5.0

/5
State Farm$1,017
NerdWallet rating 

5.0

/5

>> MORE: How to save on car insurance

Cheapest insurance for a 2013 Ford Explorer

Our analysis found that a 2013 Ford Explorer costs 23.88% less than a 2022 model, with an average rate of $1,223. But you can typically find even cheaper rates by comparing quotes from multiple insurance companies.

Here are the cheapest auto insurers for a 2013 Ford Explorer.

Company
Cost
NerdWallet Rating
USAA$750
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$838
NerdWallet rating 

5.0

/5
Erie$848
NerdWallet rating 

4.0

/5
American Family$993
NerdWallet rating 

5.0

/5
State Farm$1,062
NerdWallet rating 

5.0

/5

>> MORE: The best cheap auto insurance

Methodology

NerdWallet averaged insurance estimates for this vehicle in all ZIP codes in any of the 50 states and Washington, D.C., where rates are available. Our sample profile is a 35-year-old driver with good credit and no tickets or violations. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

We averaged rates between male and female drivers and assumed 12,000 annual miles driven. These are average rates, and your rate will vary based on your personal details, state and insurance provider.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

These are rates generated through Quadrant Information Services. Your own rates will be different.