Ford Explorer Insurance: by Model Year & Company
Ford Explorer insurance costs an average of $894 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest Ford Explorer at $142/mo or $854 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Ford Explorer:
- The Explorer costs less to insure than most SUVs. Averaging $149/mo for the Explorer versus $184/mo for typical SUVs.
- If you're considering a vehicle similar to the Explorer, like the Ford C-MAX Hybrid ($145/mo), Ford Edge ($142/mo), or Ford Expedition EL ($145/mo), your insurance costs will be more expensive.
- American Family ($114/mo), USAA ($121/mo), Progressive ($123/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,707 |
| American Family |
$1,714 |
| Progressive |
$1,745 |
| Nationwide |
$1,838 |
| Erie |
$2,063 |
| State Farm |
$2,132 |
| GEICO |
$2,392 |
| Farmers |
$3,382 |
| Allstate |
$3,385 |
Compare all 2025 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$2,2832024 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,606 |
| USAA |
$1,700 |
| Progressive |
$1,738 |
| Nationwide |
$1,806 |
| Erie |
$1,886 |
| State Farm |
$2,104 |
| GEICO |
$2,385 |
| Farmers |
$2,905 |
| Allstate |
$3,211 |
Compare all 2024 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$2,2122023 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,556 |
| Progressive |
$1,715 |
| Nationwide |
$1,796 |
| Erie |
$1,831 |
| USAA |
$1,855 |
| State Farm |
$1,983 |
| GEICO |
$2,327 |
| Farmers |
$2,824 |
| Allstate |
$2,904 |
Compare all 2023 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$2,1512022 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,510 |
| Progressive |
$1,683 |
| Erie |
$1,771 |
| USAA |
$1,813 |
| Nationwide |
$1,848 |
| State Farm |
$1,933 |
| GEICO |
$2,202 |
| Farmers |
$2,666 |
| Allstate |
$2,667 |
Compare all 2022 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$2,0672021 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,464 |
| Progressive |
$1,635 |
| Erie |
$1,719 |
| USAA |
$1,735 |
| State Farm |
$1,834 |
| Nationwide |
$1,903 |
| GEICO |
$2,120 |
| Farmers |
$2,543 |
| Allstate |
$2,737 |
Compare all 2021 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$2,0282020 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,421 |
| Progressive |
$1,577 |
| Erie |
$1,666 |
| USAA |
$1,702 |
| State Farm |
$1,862 |
| Nationwide |
$1,969 |
| GEICO |
$2,074 |
| Farmers |
$2,453 |
| Allstate |
$2,599 |
Compare all 2020 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,9892019 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,392 |
| Progressive |
$1,479 |
| USAA |
$1,495 |
| Erie |
$1,610 |
| State Farm |
$1,729 |
| Nationwide |
$1,938 |
| GEICO |
$1,948 |
| Farmers |
$2,366 |
| Allstate |
$2,505 |
Compare all 2019 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,8782018 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,363 |
| Progressive |
$1,425 |
| USAA |
$1,441 |
| Erie |
$1,563 |
| State Farm |
$1,682 |
| Nationwide |
$1,911 |
| GEICO |
$1,916 |
| Farmers |
$2,215 |
| Allstate |
$2,363 |
Compare all 2018 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,8162017 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,337 |
| Progressive |
$1,382 |
| USAA |
$1,384 |
| Erie |
$1,522 |
| State Farm |
$1,610 |
| GEICO |
$1,837 |
| Nationwide |
$1,863 |
| Farmers |
$2,131 |
| Allstate |
$2,178 |
Compare all 2017 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,7372016 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,307 |
| USAA |
$1,327 |
| Progressive |
$1,351 |
| Erie |
$1,500 |
| State Farm |
$1,530 |
| Nationwide |
$1,734 |
| GEICO |
$1,779 |
| Farmers |
$2,070 |
| Allstate |
$2,164 |
Compare all 2016 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,6792015 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,229 |
| American Family |
$1,278 |
| Progressive |
$1,295 |
| Erie |
$1,445 |
| State Farm |
$1,513 |
| GEICO |
$1,699 |
| Nationwide |
$1,813 |
| Farmers |
$2,021 |
| Allstate |
$2,063 |
Compare all 2015 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,6282014 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,149 |
| American Family |
$1,216 |
| Progressive |
$1,243 |
| Erie |
$1,374 |
| State Farm |
$1,411 |
| GEICO |
$1,686 |
| Nationwide |
$1,833 |
| Farmers |
$1,890 |
| Allstate |
$2,029 |
Compare all 2014 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,5822013 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,112 |
| American Family |
$1,178 |
| Progressive |
$1,256 |
| Erie |
$1,323 |
| State Farm |
$1,445 |
| GEICO |
$1,621 |
| Nationwide |
$1,768 |
| Farmers |
$1,845 |
| Allstate |
$1,899 |
Compare all 2013 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,5352012 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,074 |
| American Family |
$1,147 |
| Erie |
$1,249 |
| Progressive |
$1,258 |
| State Farm |
$1,352 |
| GEICO |
$1,566 |
| Nationwide |
$1,710 |
| Farmers |
$1,782 |
| Allstate |
$1,847 |
Compare all 2012 Ford Explorer insurance rates.
Average Cost to Insure Per Year
$1,4862011 Ford Explorer
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,048 |
| American Family |
$1,119 |
| Erie |
$1,202 |
| Progressive |
$1,264 |
| State Farm |
$1,326 |
| GEICO |
$1,521 |
| Nationwide |
$1,675 |
| Farmers |
$1,736 |
| Allstate |
$1,815 |