Ford Explorer Insurance Cost
The Ford Explorer is a mid-size suv with an average insurance cost of $1,880/yr. It carries a 5/5 NHTSA safety rating and medium theft risk. See how costs break down by year below.
Quote My Explorer$1,880/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
Medium
Theft Risk
Mid-size SUV
Body Type
Insurance Cost by Year — Ford Explorer
About Ford Explorer Insurance
The Ford Explorer is a popular mid-size suv that averages $1,880/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Explorer is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.
Insurance costs vary by model year — newer Explorers (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
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