2020 Ford Explorer Car Insurance Calculator

Learn and understand how choices you make affect the cost of insurance for a 2020 Ford Explorer. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2020 Ford Explorer is $1,958 per year, or about $163 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

$1,958

Cost Per Month

$163

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 2020 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.

$1,958
Average Rate
Your Rate
$1,958

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 2020 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 2020 Ford Explorer is $1,958.

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.

2020 Ford Explorer vs. the Midsize SUV Segment

The table below compares insurance rates for the 2020 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.

2020 Ford Explorer Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,724-$234
2Honda Passport$1,752-$206
3Chevrolet Blazer$1,760-$198
4Kia Telluride$1,776-$182
5Volkswagen Atlas$1,790-$168
6Subaru Ascent$1,802-$156
7Nissan Murano$1,864-$94
8Honda Pilot$1,868-$90
9Buick Enclave$1,938-$20
10Hyundai Palisade$1,946-$12
11Ford Explorer$1,958--
12Dodge Journey$1,974$16
13Subaru Outback$1,988$30
14GMC Acadia$2,010$52
15Chevrolet Traverse$2,024$66
16Kia Sorento$2,034$76
2020 Midsize SUV Average$2,035$77
17Toyota 4Runner$2,050$92
18Nissan Pathfinder$2,098$140
19Mazda CX-9$2,114$156
20Mitsubishi Outlander Sport$2,116$158
21Toyota Highlander$2,140$182
22Hyundai Santa Fe$2,148$190
23Dodge Durango$2,224$266
24Jeep Grand Cherokee$2,262$304
25Jeep Wrangler$2,298$340
26Jeep Cherokee$2,318$360
27Mitsubishi Outlander PHEV$2,330$372
28Tesla Model Y$2,666$708

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.

2020 Explorer Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Ford Explorer Insurance Rates by Trim Level
2020 Ford Explorer Trim Level Annual Premium Cost Per Month
2WD$1,768$147
4WD$1,828$152
XLT 2WD$1,890$158
XLT 4WD$1,890$158
Police 4WD$1,952$163
Limited 2WD$2,014$168
Limited 4WD$2,076$173
ST 4WD$2,076$173
Platinum 4WD$2,138$178

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 2020 Ford Explorer for different driver ages.

2020 Ford Explorer Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,964$580
17$6,740$562
18$6,033$503
19$5,502$459
20$4,213$351
21$4,020$335
22$3,601$300
23$2,963$247
24$2,798$233
25$2,272$189
30$2,088$174
35$2,014$168
40$1,958$163
45$1,832$153
50$1,740$145
55$1,624$135
60$1,628$136
65$1,732$144
70$1,868$156
75$2,200$183
80$2,704$225

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.