2015 Ford Explorer Car Insurance Calculator

Understand how changes to different risk factors impact the cost of car insurance for a 2015 Ford Explorer. Adjust factors such as driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2015 Ford Explorer is $1,594 per year, or about $133 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,594

Cost Per Month

$133

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford Explorer Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 Ford Explorer.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,594
Average Rate
Your Rate
$1,594

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 Ford Explorer trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 Ford Explorer is $1,594.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 Ford Explorer vs. the Midsize SUV Segment

The table below compares insurance rates for the 2015 Ford Explorer against all other models in the midsize SUV segment. The Ford Explorer is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford Explorer, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford Explorer.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 Ford Explorer Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,296-$298
2Nissan Xterra$1,348-$246
3Nissan Murano$1,494-$100
4Mazda CX-9$1,520-$74
5Jeep Cherokee$1,530-$64
6Honda Pilot$1,536-$58
7Ford Edge$1,542-$52
8Dodge Journey$1,550-$44
9Chevrolet Traverse$1,552-$42
10Ford Flex$1,554-$40
11Toyota 4Runner$1,576-$18
12Ford Explorer$1,594--
2015 Midsize SUV Average$1,595$1
13Hyundai Santa Fe$1,606$12
14Toyota Highlander$1,620$26
15Toyota Venza$1,632$38
16GMC Acadia$1,648$54
17Jeep Wrangler$1,656$62
18Dodge Durango$1,678$84
19Buick Enclave$1,696$102
20Jeep Grand Cherokee$1,702$108
21Nissan Pathfinder$1,718$124
22Kia Sorento$1,726$132
23Volkswagen Touareg$1,900$306

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 Explorer Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 Ford Explorer.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 Ford Explorer Insurance Rates by Trim Level
2015 Ford Explorer Trim Level Annual Premium Cost Per Month
2WD$1,544$129
4WD$1,544$129
Police Edition 4WD$1,544$129
XLT 2WD$1,544$129
XLT 4WD$1,590$133
Limited 2WD$1,634$136
Limited 4WD$1,678$140
Sport 4WD$1,678$140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 Ford Explorer for different driver ages.

2015 Ford Explorer Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,862$489
17$5,613$468
18$4,906$409
19$4,515$376
20$3,426$286
21$3,266$272
22$2,906$242
23$2,428$202
24$2,275$190
25$1,844$154
30$1,684$140
35$1,642$137
40$1,594$133
45$1,500$125
50$1,428$119
55$1,332$111
60$1,334$111
65$1,420$118
70$1,558$130
75$1,866$156
80$2,304$192

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford Explorer trim levels.