2020 Ford Explorer Insurance — Safety Ratings & Recalls

NHTSA's overall rating for the tested variants is 5 stars (4 of 6 rated). The table on this page lists the overall, frontal, side and rollover ratings for each tested variant (NHTSA 5-Star Safety Ratings, Recalls and Complaints, fetched 2026-09-02).

NHTSA lists 33 recalls and 1,198 complaints for this model year as of 2026-09-02. A recall is a safety defect the maker must repair at no cost to you. Insurers do not price a recall directly. An open recall can raise the chance of a claim, so repair it when you get the notice. Check your VIN at nhtsa.gov/recalls for open recalls on your vehicle.

Full coverage adds collision and comprehensive to liability. Keep it while a loan or lease requires it, or while a total loss would cost more than you can absorb. When the vehicle's value falls, compare the premium for these coverages with the payout you would get.

Compare quotes from multiple carriers (Truvo compares 50+ for free), keep a clean driving record, bundle your auto and home policies, and ask about discounts for safety equipment, anti-theft devices, low mileage and good students. The same 2020 Explorer can cost a different amount at each carrier.