Compare quotes for Ford Explorer Limited car insurance cost, 2022

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The average cost of car insurance for Ford Explorer Limited owners is $2,613 a year. However, exact rates vary from model to model: for instance, the Mustang Shelby Gt350 costs $199 more per year to insure than the Escort Gt

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The Ford Explorer Limited has been redesigned for 2021. As a sturdy, three-row SUV with an MSRP of $45,255, Car and Driver considers the Limited trim level to be the best value of the classic Explorer line.The Explorer Limited is a sleek SUV model whose design—while simple—is built to withstand rugged outdoor exploration. It has a 3.3L hybrid engine and is fully off-road capable, making this model ideal for road trips. Its voice-activated touchscreen navigation system is also bound to come in handy on all your adventures.While the Limited can stand up to potential damage, it’s important to ensure that you have the right car insurance coverage in case of a problem. widget8 What kind of insurance do you need for a Ford Explorer Limited?Most states require at least liability insurance. This insurance protects other drivers if you cause an accident, but it doesn’t cover damage to your car. As a luxury SUV, the Explorer Limited includes several premium features, which may boost the insurance cost—even though SUVs are normally cheaper to insure than sedans. Here are a few things to keep in mind when picking the best insurance policy for your Ford Explorer Limited.CostFord Explorer trims range from $32,925 to $52,730, and Limited’s $45,255 price-point is mid-range for the line. This price tag puts the car in the luxury vehicle category, which typically costs more to insure.Because of this, it’s worth it to protect your investment—and the best way to do that is with full-coverage insurance. It usually includes: Collision coverage, covering any damage on your vehicle that results from a collision with another vehicle or stationary object Comprehensive coverage, paying for any damage sustained as a result of extreme weather, vandalism, theft, or any unexpected incidentsMORE: Types of insurance Trim levelsThe 2021 Ford Explorer series includes an impressive seven trim levels. The Explorer Limited is only the third trim in the range, but its deluxe features make it a considerable upgrade from the first two models. The exterior of the Explorer Limited gains a chrome-finished grille, LED exterior lamps, folding side mirrors, and rain-sensing wipers. On the interior, tri-zone temperature controls allow passengers in each row to personalize the temperature in their section of the car. If you’ve invested in this higher trim level, you may want new car replacement insurance in case it gets totaled. This coverage ensures you’ll get what you paid for the car instead of its depreciated value, and you’ll be able to get a replacement vehicle of a similar value. MaterialsFord has added high-end materials to the Explorer Limited, including a chrome-finished grille, exhaust tips, bodyside cladding accents, and signature liftgate appliqué. This model also replaces the Explorer’s cloth seat coverings with leather upholstery and accent stitching. Consider getting original equipment manufacturer to ensure that any replacement parts you need will come directly from the Ford manufacturer. This will help your Ford Explorer Limited retain its value, and you can be sure you’re getting the premium parts you paid for. How can I save money on my Ford Explorer Limited insurance?Looking to save some cash on your policy? Totally reasonable, especially with a high-end SUV like the Ford Explorer Limited. Here’s how to do it. Comparison shopWhen shopping for car insurance, you’ll save the most money if you’ve looked at all your options. Here’s the thing—there are a lot of options! Once you’ve selected a policy, you typically need to fill out lots of forms online and speak with representatives.Luckily, there’s a way to avoid these hassles. Use Jerry to compare quotes from various providers for free. Sign-up takes less than a minute, and Jerry gathers your information from your past insurer, so you can completely avoid those time-consuming forms and calls. Jerry’s competitive quotes are sourced from verified providers, and once you’ve selected your preferred coverage, the rest is in Jerry’s hands. Everything from securing your new policy to canceling your old one will be taken care of automatically, and the app will even search for cheaper quotes every time your policy is up for renewal.> Key takeaway Comparison shop with Jerry to secure the most savings for your preferred coverage. Consider a lower trim levelWhile premium trim level features give the car a feeling of luxury, they’ll cost more to repair or replace, which can ultimately raise your insurance costs. You can save on your coverage by choosing a lower trim level and sacrificing some of these features.MORE: 11 car insurance hacks to save you money Invest in additional safety featuresThe Ford Explorer Limited is equipped with many safety features—including brake assist, electronic stability control, blind-spot monitoring, and cross-traffic alerts. It’s encouraging for insurance providers to see that you’ve taken extra precautions, so you can often secure lower rates with these additions. Protect your car with anti-theft featuresAnti-theft features prove to insurance providers that your car is less vulnerable to theft, which means you’ll be less likely to file a claim.In exchange for these added features, insurers will often offer you a discounted rate.MORE: The best vehicle anti-theft devices to keep your car safe Keep your driving record cleanYour driving record tells insurers a lot about your driving practices, so the better your driving history, the more willing insurers will be to give you a better rate. Single minor incidents—like speeding tickets or fender-benders—are likely to be overlooked if your record is otherwise clean, but more severe or frequent incidents will raise your annual rate. Look for discountsInsurance providers don’t always advertise all available discounts, so it’s a worthwhile endeavor to ask your insurance agent. You can earn discounts by bundling policies, completing a defensive driving course, or by being a good student.Discounts are determined by factors like your location, age, demographics, and so on. Once you’ve selected an insurer, be sure to research the deals they offer.

Ford Explorer Limited car insurance cost

One of the primary determining factors for your Ford Explorer Limited insurance rate is the age of your vehicle. Rates can vary by as much as $44 per year of car. Here's how much it costs to insure your Explorer Limited by car year (and how much Jerry can save you when doing it):
Model year
Average Cost
Annual Savings with Jerry
If you drive a Ford Explorer Limited , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Ford Explorer Limited

If you drive a Ford, you probably put a high value on the things Ford does best: reliability, practicality, and quality that stands the test of time.
You need the same things from your insurance coverage. You’ll need to find a company that offers the right options at the right price—and one that doesn’t waste your time with bad customer service. But every company is different, and comparing options can get overwhelming, fast.
Shopping with Jerry is the most efficient way to nail down the best coverage at the best rate. It takes less than a minute to get competitive customized quotes from top-rated insurers, and you’ll be able to review and select coverage options in the app. Best of all, Jerry conducts regular price monitoring every six months to make sure you’re still carrying the best insurance.
Take a look at the table below to see the options different insurance companies offer for Ford Explorer Limited drivers.
Insurance company
Average Cost
Annual Savings with Jerry
State Auto$2,292$588
Aspire Advantage$1,116$376

Compare car insurance quotes for Ford Explorer Limited

But with all the different insurance companies and coverage options out there, how do you find the right insurance? Easy: you download the Jerry app. As a licensed broker with over 55 partner companies, Jerry can find all the best coverage options for your Ford in 45 seconds or less! With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Ford insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
September 15, 202225143WVNitroEssie C.37Progressive$1,476$1,074
September 5, 202221231MDBaltimoreRoger W.56Progressive$2,292$1,820
September 22, 202207111NJIrvingtonCora C.46Progressive$5,856$5,174
September 9, 202211743NYHuntingtonAgnes L.44Bristol West$9,000$4,568
September 9, 202222603VAWinchesterRosetta H.28Electric$3,912$3,306
20 people from Jerry switched with Jerry to Safeco in the past 7 days.
Last updated 2 hours ago
Don from Black Hawk switched with Jerry to Plymouth Rock and saved $1344
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Jose from Delta switched with Jerry to Nationwide and saved $896
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Best car insurance companies for Ford Explorer Limited drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver.”
That label doesn’t have to define you—or your insurance policy. Jerry is a pro at navigating insurance premiums for high-risk drivers. No matter what your record looks like (or why it looks that way), Jerry won’t judge, and we won’t let insurance companies get away with overcharging you for coverage. Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates.
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,615$811
Improper Passing$2,604$1,483
Defective Equipment$2,700$772
Failure to Obey Traffic Sign$2,853$687
Speeding under 15$2,397$577
Driving on Sus. License$8,040$576
Speeding over 15$2,739$263
Cell Phone$3,000$167
Careless Driving$1,308$106

Ford Explorer Limited driving record FAQs

How much does Ford Explorer Limited insurance go up after a DUI?

If you get a DUI while driving your Explorer Limited, you can expect your premium to increase by an average of 4%.
How much does Ford Explorer Limited insurance go up after a speeding ticket?
We’ve all been there. If you get a speeding ticket in your Explorer Limited, your insurance premium could increase by an average of 4%

Best Car Insurance for Ford Explorer Limited by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
Feeling frustrated? We get it. Just because you’re young, that doesn’t mean you’re an unsafe driver—and it doesn’t have to mean overpaying for insurance. In fact, there are some simple ways to lower your rates as a young driver:
  • If you’re in school and getting a B average or better, look for companies that offer good student discounts.
  • Talk to friends and family about getting on a family plan. Sharing your plan with an older, statistically safer driver can optimize your coverage and premium.
  • Take a driver safety course. Many companies offer discounts for young drivers willing to endure some defensive driving instruction.
  • Driving safely and sticking with one company for a few years could earn you multiple discounts for good driving and loyalty.
  • Take advantage of your generation’s tech know-how and use a telematics program to track your driving. You could earn insurance discounts and other rewards based on how you actually drive (not, you know, on your age)!
If you’re under 25, you could be paying as much as $1 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Ford Explorer Limited by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
The answer might lie in your zip code. You see, insurance companies take location into account when you’re calculating your rates—and things like local crime rates, traffic accident statistics, and natural disaster records can cause rates to vary significantly from state to state and even between city blocks!
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Ford Explorer Limited drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 26, 202289503Honda Cr-V LXNVBeatrice H.25Progressive$130/mo.$60/mo.
September 14, 202230350Hyundai Elantra SELGAWillie S.36Progressive$83/mo.$71/mo.
September 9, 202228088Ford Fusion SENCCarlos J.20National General$272/mo.$77/mo.
September 23, 202248067Buick Enclave CXLMIAugusta S.46Progressive$125/mo.$80/mo.
September 23, 202280123Honda Accord EXLCOLeonard M.27Progressive$110/mo.$99/mo.

Driving a Ford Explorer Limited

If you own a Ford Explorer Limited , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Ford Explorer Limited new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Ford Explorer Limited is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Ford Explorer Limited?

The average annual cost to insure a model is $2,613. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Invest in safety

We mean that literally. Insurance companies often offer discounts to customers who install anti-theft devices and new safety technology in their vehicles. So get your [model] a GPS tracker or a collision avoidance system—you’ll improve your safety on the road and your insurance premium at the same time!

Keep customization simple

Look, we get it: that cool add-on they showed you at the dealership really seemed worth the money. And maybe it is—but keeping extra features to a minimum is one of the easiest ways to save on insurance.
That super-awesome upgraded sound system you fell in love with? Yeah, it’ll hike your rate. So will the leather upholstery, the heated seats, and the power moonroof. That’s because they increase your vehicle’s value, and with it the amount of any possible claims. So resist the urge to customize—unless it’s really worth the higher premium.

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

Go discount-hunting

The good news: most insurance companies offer discounts for everything from good grades and online payments to military service and safe driving.
The bad news: companies won’t always tell you about their discounts, so you’ll have to go looking. Keep an eye out for the following common discounts:
  • Profession-based: e.g. military members, teachers, and healthcare workers
  • Payment-based: e.g. paperless billing, upfront payments
  • Driving-based: e.g. clean record, zero claims history
  • Policy-based: e.g. bundling car and home insurance, multiple vehicles
Jerry can help you zero in on the best discounts for you—just ask about discounts when you’re comparing companies!

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