2018 Ford Explorer Car Insurance Calculator

Learn how different factors impact the cost of car insurance for a 2018 Ford Explorer. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately if the option you change raises or lowers your rate.

The average estimated car insurance premium for a 2018 Ford Explorer is $1,786 per year, or about $149 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

$1,786

Cost Per Month

$149

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 2018 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.

$1,786
Average Rate
Your Rate
$1,786

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 2018 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 2018 Ford Explorer is $1,786.

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.

2018 Ford Explorer vs. the Midsize SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Ford Explorer Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volkswagen Atlas$1,572-$214
2Subaru Outback$1,660-$126
3Ford Edge$1,670-$116
4Chevrolet Traverse$1,694-$92
5Toyota 4Runner$1,704-$82
6Honda Pilot$1,732-$54
7Nissan Murano$1,752-$34
8Ford Explorer$1,786--
9Mazda CX-9$1,792$6
10Ford Flex$1,834$48
2018 Midsize SUV Average$1,837$51
11Kia Sorento$1,862$76
12Dodge Journey$1,868$82
13GMC Acadia$1,876$90
14Toyota Highlander$1,924$138
15Dodge Durango$1,936$150
16Jeep Cherokee$1,946$160
17Jeep Grand Cherokee$1,950$164
18Buick Enclave$1,964$178
19Nissan Pathfinder$1,980$194
20Jeep Wrangler$2,016$230
21Hyundai Santa Fe$2,050$264

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.

2018 Explorer Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Ford Explorer Insurance Rates by Trim Level
2018 Ford Explorer Trim Level Annual Premium Cost Per Month
2WD$1,668$139
Police Edition 4WD$1,668$139
4WD$1,724$144
XLT 2WD$1,724$144
XLT 4WD$1,780$148
Limited 2WD$1,836$153
Limited 4WD$1,836$153
Sport 4WD$1,892$158
Platinum 4WD$1,946$162

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 2018 Ford Explorer for different driver ages.

2018 Ford Explorer Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,417$535
17$6,200$517
18$5,523$460
19$5,041$420
20$3,850$321
21$3,675$306
22$3,284$274
23$2,706$226
24$2,554$213
25$2,072$173
30$1,900$158
35$1,834$153
40$1,786$149
45$1,672$139
50$1,588$132
55$1,482$124
60$1,486$124
65$1,584$132
70$1,714$143
75$2,024$169
80$2,496$208

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.