Ford Explorer Limited 4WD Insurance Rates

Estimated insurance prices for a Ford Explorer Limited 4WD are $1,402 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $340, collision costs $540, and liability insurance costs $364. A liability-only policy costs as little as $430 a year, with high-risk insurance costing $3,004 or more. Teenage drivers pay the most at $5,092 a year or more.

Annual premium for full coverage: $1,402

Premium estimates broken down by type of 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 rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford Explorer Limited 4WD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year.

Using high physical damage deductibles could save up to $590 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. Ford Explorer Limited 4WD insurance for high-risk drivers can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Explorer Limited 4WD insurance rates. A 40-year-old driver could pay 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.

With such a large range of rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be substantially different.

View Chart as Image

The chart estimates Ford Explorer Limited 4WD insurance rates for different coverage choices and risks. The lowest rate with discounts is $814. Drivers who use higher $1,000 deductibles will pay $1,202. The average rate for a driver around age 40 using $500 deductibles is $1,402. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,788. Drivers with multiple violations and accidents could be charged up to $3,004. The rate for full coverage for a teenage driver is $5,092.

View Chart as Image