How to Get Cheap Ford Explorer Car Insurance
How to Get Cheap Ford Explorer Car Insurance
Ford Explorer car insurance

When it comes to getting affordable Ford Explorer car insurance, you have a lot of choices. Vehicle age, driver age and location all play a big role in how much you’ll pay.

Your driving record also has an effect on how much you’ll pay for car insurance. Avoid multiple at-fault accidents and be a safe driver, and you could save money on your policy.

The Basics

There are a lot of factors that can influence your Ford Explorer car insurance rates. These include your driving record, age and where you live. You also have to decide what type of coverage you need.

The cheapest way to find the best rates for your Explorer is to comparison shop. By doing so, you can save a significant amount of money on your policy.

You can get free Ford Explorer insurance quotes in minutes by entering your ZIP code below. We will give you multiple free estimates from different carriers at once so that you can easily compare them and choose the one that’s right for you.

In addition to the model year of your Explorer, the company you choose can have a large impact on how much you pay for insurance. That’s why it is important to shop around at least once a year.

Besides choosing a reputable insurance company, you can also help to lower your auto insurance premium by being a good driver. Many companies will raise your premium if you have a ticket or accident on your driving record, so it’s worth keeping that in mind when looking for your cheapest rate.

For example, some companies will consider a DUI to be a high risk for them, so you can expect to see an increase in your Ford Explorer insurance premium if you have one of these offenses.

It’s also worth checking your driving history to see what kinds of discounts you qualify for. Some companies will offer discounts if you have a teen on your policy, or if you have a safe driving score.

The Ford Explorer is a popular car, and the company has tried to please its customers with features like a panoramic sunroof and leather seats. However, the Explorer does not have a perfect safety rating from the National Highway Traffic Safety Administration (NHTSA), so you should be aware that your Ford Explorer might not be as safe as it could be in a crash.

The ST

The ST is one of the most powerful SUVs on the market. It has a turbocharged 2.3-liter four-cylinder engine that makes 300 horsepower and 310 lb-ft of torque. It can be paired with a twin-turbocharged 3.0-liter V6 in the ST, King Ranch and Platinum trims that develops 400 horsepower and 415 lb-ft of torque.

In addition to its power, the Explorer has a number of features that make it an enjoyable driving experience. For example, the ST comes with an adaptive steering system that automatically changes the vehicle's steering angle based on driver input. It also has a 10.1-inch touchscreen that lets you control the heating and cooling system, audio, and more.

Its safety rating is top-notch, too. It gets five stars from the National Highway Traffic Safety Administration for side crash and rollover protection. It also has front, side and curtain airbags for all occupants.

Insurance rates for the Explorer vary, depending on a number of factors. The age of the vehicle, for example, can make a difference. Young drivers typically pay more for insurance because they are at a higher risk of being in an accident.

Older vehicles can be cheaper to insure because their value depreciates over time. It's important to shop around and compare quotes for a Ford Explorer that fits your budget.

Another way to save on car insurance is to raise your deductibles. This can lower your premiums significantly. For instance, increasing your deductible from $500 to $1,000 could save you $266 per year on your policy.

If you're looking for a new Ford Explorer and want to save on car insurance, start by comparing quotes online. You can use the NerdWallet Auto Insurance Tool to get personalized quotes from several insurance companies. Then, you can choose the best company for you and your family's needs.


The Ford Explorer is a great vehicle that offers comfort, utility, and reliability. But like any car, it comes with a price tag. Fortunately, the XLT model is one of the least expensive to insure.

A 40-year-old driver can expect to pay a base rate of $1,500 per year for insurance. This covers full coverage with $500 deductibles and minimum liability limits.

Getting a quote from as many auto insurance companies as possible is the best way to save money on your policy. Use the price comparison tool below to gather quotes from popular car insurance companies in minutes!

When comparing car insurance prices, don't ignore small regional insurers. In addition to offering cheaper premiums, these companies can also offer discounts that you might not receive from larger companies.

Another important factor in determining the cost of your Ford Explorer insurance is where you live. The cheapest rates are found in rural areas, where there is a lower frequency of accidents.

This can mean a lower average rate for a 40-year-old driver in Idaho, Maine, or Iowa, but a higher rate in New York or Michigan.

You'll want to get a quote from an insurance company that offers discounts for a variety of factors, such as good/safe drivers, multi-policy, and homeowner (bundling). These may help you qualify for lower rates on your policy.

The XLT version of the 2021 Ford Explorer offers a number of standard and available features, including a 10-speaker stereo with Apple CarPlay(tm) and Android Auto(tm). Other amenities include dual-zone automatic climate control, voice-activated navigation, and a power-folding third row seat. The Limited model adds a 12-speaker B&O Sound System with HD radio, a hands-free liftgate, and a leather-wrapped steering wheel.

The Limited

The Ford Explorer has been around for a long time, and it's a popular vehicle both with consumers and police departments. It's got a large interior, athletic exterior styling and three powertrain options.

Insurance rates for the Explorer are among the lowest in this class of vehicles. In fact, they're about half of the cost of other top-selling midsize SUVs like the Jeep Grand Cherokee and Toyota Highlander.

Nevertheless, it's a good idea to do your research when shopping for insurance. Getting the right coverage will help you save money in the long run.

To get the best Ford Explorer car insurance, you'll need to take several factors into consideration. The model you choose, the safety features it has and where you live will all affect how much you pay.

The Ford Explorer Limited is the high-end trim, and it comes with a number of technologically advanced features. It's the first model to offer Apple CarPlay and Android Auto, and it also includes a Bang & Olufsen sound system.

You'll also find leather seating, a navigation system and heated seats. Plus, the Limited gets a big, multi-function infotainment screen that's set vertically for easy swipe and pinch-to-zoom functions.

It's also the only model in this lineup to offer a head-up display, which shows the driver a variety of information, including speed limits and traffic patterns.

Other notable features in the Ford Explorer Limited include tri-zone climate controls that allow you to customize the temperature of each seat. It's also one of the first models to offer a hands-free power liftgate. And of course, it's got the best-looking grille in its class. Lastly, the Limited's most important feature is its safety features.

The Platinum

Ford’s Platinum trim level adds more luxury features to the Explorer lineup. Its interior is packed with premium materials like leather upholstery and satin-finished wood and aluminum on door and dashboard trim. It also comes with a powerful 500-watt Sony audio system and a 180-degree front camera that helps drivers see around corners during slow maneuvering.

If you’re thinking about buying a Ford Explorer Platinum, you’ll want to look for car insurance that’s a good fit for your lifestyle and budget. The best way to find low rates is to comparison shop among several different companies.

The cost of Explorer insurance varies widely based on your age, driver profile, and coverage deductibles. Typical prices for full coverage range from $1,108 per year for a 60-year-old driver to $3,504 for a 20-year-old driver.

To get the lowest Explorer insurance rates, it’s important to avoid driving violations and accidents. For instance, a DUI or reckless driving conviction can increase your insurance costs by an average of $1,338.

Another way to lower your premiums is by getting a policy with low physical damage deductibles. For example, dropping your deductible from $500 to $250 could save you $274 per year for a 40-year-old driver and $544 for a 20-year-old driver.

Finally, make sure to get collision and comprehensive coverage. These types of policies are necessary to cover your vehicle in the event it’s stolen or damaged in an accident.

The Ford Explorer is a popular choice for those who need a reliable, affordable, and versatile SUV that can take them anywhere. With its many safety features and a strong engine, the Explorer can handle anything life throws at it. So if you’re in the market for a new car, consider a Ford Explorer and make it a part of your family.