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Compare quotes for Ford Explorer Xls car insurance cost, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Ford Explorer Xls owners is $2,617 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

Ford Explorer Xls car insurance cost

One of the primary determining factors for your Ford Explorer Xls insurance rate is the age of your vehicle. Here's how much it costs to insure your Explorer Xls by car year:
Model year
Average Cost
Annual Savings with Jerry
2006$2,329$724
2005$2,297$1,006
2004$2,492$894
2003$1,811$382
2002$3,959$1,379
2001$2,780$1,028
2000$3,476$1,637
If you drive a Ford Explorer Xls , 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 Xls

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.
Take a look at the table below to see the options different insurance companies offer for Ford Explorer Xls drivers.
Insurance company
Average Cost
Annual Savings with Jerry
Safeco$2,553$962
Progressive$2,497$927
Clearcover$2,289$915
Infinity$1,950$831
Electric$2,010$618
Allstate$1,786$579
Kemper$1,611$556
Aspire Advantage$1,272$402
State Auto$1,260$158
Nationwide$1,260$86

Compare car insurance quotes for Ford Explorer Xls

But with all the different insurance companies and coverage options out there, how do you find the right insurance? 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
November 18, 202233442FLDeerfield BeachNellie R.63Progressive$2,004$858
November 1, 202240873KYWallins CreekLizzie H.81Progressive$3,600$1,344
October 10, 202296007CAAndersonJohnny H.22National General$1,920$827
October 4, 202219111PAPhiladelphiaBess L.36Progressive$3,300$1,278

Best car insurance companies for Ford Explorer Xls 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." 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$2,295$859
Cell Phone$4,800$1,466
Careless Driving$3,360$1,254
Failure to Obey Traffic Sign$4,110$1,228
Speeding under 15$3,337$1,044
Suspension$1,320$302
Other$2,720$957

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

If you get a DUI while driving your Explorer Xls, you can expect your premium to increase by an average of 31%.

How much does Ford Explorer Xls insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Explorer Xls, your insurance premium could increase by an average of 60%

Best Car Insurance for Ford Explorer Xls 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.
If you’re under 25, you could be paying as much as $2 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 Xls 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?
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 Xls drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
November 13, 2022Chevrolet Malibu LT$175/mo.$93/mo.43613OHNathaniel L.37Commonwealth Insurance
November 9, 2022Kia Optima LX$150/mo.$135/mo.40229KYLulu C.38Progressive
November 7, 2022Kia Optima SX$206/mo.$140/mo.89406NVLola S.28Safeco
November 4, 2022Dodge Grand Caravan SE$200/mo.$152/mo.33635FLIrene D.61Progressive
November 15, 2022Dodge Challenger R/T Scat Pack$345/mo.$186/mo.32832FLHerman S.34Progressive

Driving a Ford Explorer Xls

Since its initial release in 1991, the Explorer has been a core part of Ford’s lineup. Its reliability, easy handling, and excellent ride quality have made it the best-selling SUV of all time in the United States.The base XLS trim was in production between 2000 and 2006, whereafter it was dropped in favor of the XLT model. In a market that the Explorer essentially helped define, it stands out for its comfort, power, and user-friendliness.The base XL trim had a starting MSRP of $26,530 and is now available used for around $3,508. It’s important to keep your used vehicle protected on the road, so finding the right car insurance coverage can be extremely helpful.
If you own a Ford Explorer Xls , 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 Xls new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Ford Explorer Xls is worth, the more you’ll pay to insure and drive it.

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

The average annual cost to insure a model is $2,617. 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!

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!).

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