Ford Explorer Limited 2WD Insurance Rates

U.S. average auto insurance rates for a Ford Explorer Limited 2WD are $1,356 annually for full coverage insurance. Comprehensive insurance costs an estimated $326 each year, collision insurance costs $508, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,904 or more. Teenage drivers pay the highest rates at up to $4,948 a year.

Annual premium for full coverage: $1,356

Price estimates broken down by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Explorer Trim Level

These price ranges illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance prices for a Ford Explorer Limited 2WD are also quite variable based on the actual cash value of your Explorer, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $560 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Explorer Limited 2WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and rates may be quite different between companies.

View Chart as Image

The chart estimates Ford Explorer Limited 2WD insurance prices for various situations. The lowest price with discounts is $791. Drivers who use higher $1,000 deductibles will pay about $1,166. The average price for a driver around age 40 using $500 deductibles is $1,356. Using lower $100 deductibles for physical damage coverage could cost up to $1,722. Drivers with multiple violations and accidents could be charged at least $2,904. The policy rate for full coverage for a teenage driver can be as high as $4,948.

View Chart as Image