Ford Explorer XLT 4WD Insurance Rates

Estimated insurance prices for a Ford Explorer XLT 4WD are $1,266 every 12 months with full coverage. Comprehensive costs an estimated $298 each year, collision insurance costs $446, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,702. Teen drivers pay the most at up to $4,658 a year.

Annual premium for full coverage: $1,266

Premium 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

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Ford Explorer XLT 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year.

Choosing high deductibles could cut rates by as much as $500 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Explorer XLT 4WD insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

The chart above shows Ford Explorer XLT 4WD insurance rates for various coverage choices and risks. The best rate after discounts is $745. Drivers who choose higher $1,000 deductibles will pay $1,098. The average rate for a driver around age 40 using $500 deductibles is $1,266. Using lower $100 deductibles for comp and collision coverage could cost up to $1,590. High risk drivers could be charged up to $2,702. The policy rate for full coverage insurance for a teenage driver can be as high as $4,658.

View Chart as Image