2016 Ford Explorer Car Insurance Calculator

Learn and understand how different driver and vehicle factors impact the cost of insurance for a 2016 Ford Explorer. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2016 Ford Explorer is $1,772 per year, or about $148 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

$1,772

Cost Per Month

$148

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 2016 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.

$1,772
Average Rate
Your Rate
$1,772

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 2016 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 2016 Ford Explorer is $1,772.

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.

2016 Ford Explorer vs. the Midsize SUV Segment

The table below compares insurance rates for the 2016 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.

2016 Ford Explorer Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,438-$334
2Chevrolet Traverse$1,512-$260
3Ford Flex$1,544-$228
4Jeep Cherokee$1,566-$206
5Dodge Journey$1,572-$200
6Dodge Durango$1,590-$182
7Toyota 4Runner$1,608-$164
8Ford Edge$1,628-$144
9Mazda CX-9$1,650-$122
10Nissan Pathfinder$1,660-$112
2016 Midsize SUV Average$1,667-$105
11Honda Pilot$1,670-$102
12Nissan Murano$1,678-$94
13Jeep Grand Cherokee$1,680-$92
14Hyundai Santa Fe$1,692-$80
15Jeep Wrangler$1,734-$38
16GMC Acadia$1,742-$30
17Buick Enclave$1,750-$22
18Ford Explorer$1,772--
19Toyota Highlander$1,806$34
20Kia Sorento$1,816$44
21Volkswagen Touareg$1,892$120

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.

2016 Explorer Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Ford Explorer Insurance Rates by Trim Level
2016 Ford Explorer Trim Level Annual Premium Cost Per Month
2WD$1,686$141
4WD$1,686$141
Police Edition 4WD$1,686$141
XLT 2WD$1,734$145
XLT 4WD$1,734$145
Limited 2WD$1,830$153
Limited 4WD$1,830$153
Sport 4WD$1,830$153
Platinum 4WD$1,928$161

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 2016 Ford Explorer for different driver ages.

2016 Ford Explorer Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,499$542
17$6,248$521
18$5,507$459
19$5,042$420
20$3,834$320
21$3,655$305
22$3,254$271
23$2,698$225
24$2,536$211
25$2,054$171
30$1,876$156
35$1,822$152
40$1,772$148
45$1,662$139
50$1,580$132
55$1,474$123
60$1,478$123
65$1,576$131
70$1,726$144
75$2,054$171
80$2,542$212

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.