2022 Ford Explorer Car Insurance Calculator

Learn and understand how the choices you make affect car insurance rates for a 2022 Ford Explorer. Make changes to factors like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2022 Ford Explorer is $2,010 per year, or about $168 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

$2,010

Cost Per Month

$168

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 2022 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.

$2,010
Average Rate
Your Rate
$2,010

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 2022 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 2022 Ford Explorer is $2,010.

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.

2022 Ford Explorer vs. the Midsize SUV Segment

The table below compares insurance rates for the 2022 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.

2022 Ford Explorer Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,716-$294
2Subaru Ascent$1,836-$174
3Ford Edge$1,926-$84
4Subaru Outback$1,962-$48
5Nissan Murano$1,984-$26
6Toyota Venza$1,998-$12
7Ford Explorer$2,010--
8Kia Sorento$2,024$14
9Hyundai Palisade$2,052$42
10Volkswagen Atlas$2,066$56
11Toyota 4Runner$2,084$74
12Mazda CX-9$2,132$122
13Volkswagen Atlas Cross Sport$2,140$130
14GMC Acadia$2,148$138
15Toyota Highlander$2,150$140
16Nissan Pathfinder$2,160$150
17Honda Pilot$2,168$158
18Mitsubishi Outlander Sport$2,176$166
2022 Midsize SUV Average$2,179$169
19Buick Enclave$2,190$180
20Chevrolet Traverse$2,202$192
21Hyundai Santa Fe$2,230$220
22Kia Telluride$2,238$228
23Chevrolet Blazer$2,258$248
24Ford Bronco$2,304$294
25Jeep Grand Cherokee$2,356$346
26Jeep Cherokee$2,414$404
27Jeep Wrangler$2,448$438
28Mitsubishi Outlander PHEV$2,480$470
29Dodge Durango$2,504$494
30Tesla Model Y$2,532$522
31Rivian R1S$2,666$656

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.

2022 Explorer Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Ford Explorer Insurance Rates by Trim Level
2022 Ford Explorer Trim Level Annual Premium Cost Per Month
XLT 2WD$1,850$154
2WD$1,886$157
XLT 4WD$1,888$157
4WD$1,932$161
ST 2WD$1,992$166
ST-Line 2WD$2,002$167
Limited 2WD$2,008$167
Timberline 4WD$2,020$168
ST-Line 4WD$2,028$169
Limited 4WD$2,034$170
ST 4WD$2,054$171
King Ranch 2WD$2,100$175
Platinum 2WD$2,106$176
King Ranch 4WD$2,120$177
Platinum 4WD$2,126$177

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 2022 Ford Explorer for different driver ages.

2022 Ford Explorer Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,025$585
17$6,837$570
18$6,182$515
19$5,614$468
20$4,315$360
21$4,118$343
22$3,698$308
23$3,022$252
24$2,866$239
25$2,332$194
30$2,146$179
35$2,064$172
40$2,010$168
45$1,876$156
50$1,776$148
55$1,660$138
60$1,664$139
65$1,770$148
70$1,898$158
75$2,212$184
80$2,716$226

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.