Ford Explorer XLT AWD Insurance Rates
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Average insurance rates for a Ford Explorer XLT AWD are $1,266 a year for full coverage. Comprehensive insurance costs on average $298 a year, collision costs $446, and liability costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing $2,702 or more. Teenage drivers receive the highest rates at $4,658 a year or more.
Annual premium for full coverage: $1,266
Rate estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Explorer Trim Level
For a 40-year-old driver, prices go from as low as $430 for minimum levels of liability insurance to a high of $2,702 for high-risk insurance.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Ford Explorer XLT AWD Insurance
Insurance prices for a Ford Explorer XLT AWD can also vary considerably based on your driver profile, the model year of your Explorer, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
Where you live has a huge impact on Ford Explorer XLT AWD insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut rates by as much as $500 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
Chart shows Ford Explorer XLT AWD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $745. Drivers who use higher $1,000 deductibles will pay around $1,098. The average rate for a 40-year-old male driver using $500 deductibles is $1,266. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,590. Drivers with multiple violations and accidents could be charged as much as $2,702. The cost for full coverage for a teen driver can be as high as $4,658.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,144 | -$122 | -9.6% |
Alaska | $972 | -$294 | -23.2% |
Arizona | $1,052 | -$214 | -16.9% |
Arkansas | $1,266 | -$0 | 0.0% |
California | $1,442 | $176 | 13.9% |
Colorado | $1,210 | -$56 | -4.4% |
Connecticut | $1,302 | $36 | 2.8% |
Delaware | $1,434 | $168 | 13.3% |
Florida | $1,584 | $318 | 25.1% |
Georgia | $1,170 | -$96 | -7.6% |
Hawaii | $910 | -$356 | -28.1% |
Idaho | $856 | -$410 | -32.4% |
Illinois | $942 | -$324 | -25.6% |
Indiana | $954 | -$312 | -24.6% |
Iowa | $854 | -$412 | -32.5% |
Kansas | $1,204 | -$62 | -4.9% |
Kentucky | $1,728 | $462 | 36.5% |
Louisiana | $1,872 | $606 | 47.9% |
Maine | $780 | -$486 | -38.4% |
Maryland | $1,044 | -$222 | -17.5% |
Massachusetts | $1,012 | -$254 | -20.1% |
Michigan | $2,198 | $932 | 73.6% |
Minnesota | $1,058 | -$208 | -16.4% |
Mississippi | $1,518 | $252 | 19.9% |
Missouri | $1,124 | -$142 | -11.2% |
Montana | $1,360 | $94 | 7.4% |
Nebraska | $998 | -$268 | -21.2% |
Nevada | $1,518 | $252 | 19.9% |
New Hampshire | $912 | -$354 | -28.0% |
New Jersey | $1,416 | $150 | 11.8% |
New Mexico | $1,120 | -$146 | -11.5% |
New York | $1,332 | $66 | 5.2% |
North Carolina | $730 | -$536 | -42.3% |
North Dakota | $1,036 | -$230 | -18.2% |
Ohio | $874 | -$392 | -31.0% |
Oklahoma | $1,300 | $34 | 2.7% |
Oregon | $1,160 | -$106 | -8.4% |
Pennsylvania | $1,206 | -$60 | -4.7% |
Rhode Island | $1,688 | $422 | 33.3% |
South Carolina | $1,148 | -$118 | -9.3% |
South Dakota | $1,068 | -$198 | -15.6% |
Tennessee | $1,110 | -$156 | -12.3% |
Texas | $1,526 | $260 | 20.5% |
Utah | $940 | -$326 | -25.8% |
Vermont | $866 | -$400 | -31.6% |
Virginia | $758 | -$508 | -40.1% |
Washington | $978 | -$288 | -22.7% |
West Virginia | $1,160 | -$106 | -8.4% |
Wisconsin | $876 | -$390 | -30.8% |
Wyoming | $1,128 | -$138 | -10.9% |
Rate Tables and Charts
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Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,658 |
20 | $2,876 |
30 | $1,318 |
40 | $1,266 |
50 | $1,154 |
60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,590 |
$250 | $1,442 |
$500 | $1,266 |
$1,000 | $1,098 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,266 |
50/100 | $1,339 |
100/300 | $1,430 |
250/500 | $1,666 |
100 CSL | $1,375 |
300 CSL | $1,575 |
500 CSL | $1,721 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,626 |
20 | $4,558 |
30 | $2,760 |
40 | $2,702 |
50 | $2,578 |
60 | $2,550 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $66 |
Multi-vehicle | $63 |
Homeowner | $18 |
5-yr Accident Free | $89 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $56 |
Advance Quote | $60 |
Online Quote | $89 |
Total Discounts | $521 |
Discounts are estimated and may not be available from every company or in every state.
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