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Jerry Data & Research
Cheapest 2020 Ford Explorer Car Insurance (Jul 2024)
Cheapest 2020 Ford Explorer Car Insurance (Jul 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2020 Ford Explorer
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How much does car insurance cost for a 2020 Ford Explorer ?
- Compare the cheapest 2020 Ford Explorer car insurance quotes
- The best car insurance companies for 2020 Ford Explorer owners
- How expensive is 2020 Ford Explorer insurance compared to other years?
- Are 2020 Ford Explorers expensive to insure?
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2020 Ford Explorer ?
The average cost of car insurance for a 2020 Ford Explorer is $1,896 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2020 Ford Explorer are 21% more.
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2020 Ford Explorer, use Jerry
to get a detailed car insurance price comparison
. Compare the cheapest 2020 Ford Explorer car insurance quotes
Thousands of smart Ford Explorer drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $1,827 per year on car insurance. Below are cheap quotes Jerry found for 2020 Ford Explorer drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
July 9, 2024 | 2020 | National General | $129 | Warren, 45 | • 100,000/300,000 Liability • Comp / Collision |
July 6, 2024 | 2020 | Allstate | $172 | Alvin, 34 | • 100,000/300,000 Liability • Comp / Collision |
July 2, 2024 | Bristol West | $462 | Isaiah, 56 | • State Minimum Liability • Comp / Collision | |
July 1, 2024 | 2020 | AAA | $122 | Jacob, 43 Aldie, VA | • 30,000/60,000 Liability • Comp / Collision |
June 29, 2024 | 2020 | Progressive | $171 | Irene, 29 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jul 9, 2024However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2020 Ford Explorer owners
There’s no best company for all 2020 Ford Explorer drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well.
The table below shows how 2020 Ford Explorer drivers rated different insurance companies in these three categories, as well as overall.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2020 Ford Explorer insurance costs
After analyzing data from many 2020 Ford Explorer drivers, we discovered that the typical monthly expense for minimum liability coverage is $158, which adds up to $1,896 annually. As for full coverage insurance, the average monthly cost for 2020 Ford Explorer drivers is $175, or $2,100 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $158 | $1,896 |
Full coverage | $175 | $2,100 |
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of liability insurance
. In some states, uninsured/underinsured motorist coverage
and/or personal injury protection
are also required by law. Full coverage car insurance
, on the other hand, includes collision
and comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more. Compare insurance information for other Fords
2020 Ford Explorer insurance costs by trim level
The cost of car insurance for a 2020 Ford Explorer is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2020 Limited | $196 | $158 |
How expensive is 2020 Ford Explorer insurance compared to other years?
Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage.
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old.
The table below compares the average insurance cost of a Ford Explorer manufactured in 2020 with that of the four closest model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
1995 Ford Explorer | $75 | $102 |
1996 Ford Explorer | $80 | $111 |
1997 Ford Explorer | $93 | $204 |
1998 Ford Explorer | $95 | $230 |
1999 Ford Explorer | $77 | $183 |
2000 Ford Explorer | $90 | $139 |
2001 Ford Explorer | $86 | $147 |
2002 Ford Explorer | $85 | $130 |
2003 Ford Explorer | $89 | $131 |
2004 Ford Explorer | $92 | $153 |
2005 Ford Explorer | $92 | $105 |
2006 Ford Explorer | $98 | $149 |
2007 Ford Explorer | $87 | $140 |
2008 Ford Explorer | $92 | $147 |
2009 Ford Explorer | $90 | $139 |
2010 Ford Explorer | $87 | $133 |
2011 Ford Explorer | $89 | $162 |
2012 Ford Explorer | $87 | $190 |
2013 Ford Explorer | $97 | $166 |
2014 Ford Explorer | $97 | $169 |
2015 Ford Explorer | $104 | $176 |
2016 Ford Explorer | $120 | $176 |
2017 Ford Explorer | $92 | $180 |
2018 Ford Explorer | $103 | $157 |
2019 Ford Explorer | $119 | $180 |
2020 Ford Explorer | $158 | $175 |
2021 Ford Explorer | $75 | $191 |
Compare car insurance by car year
See All
Are 2020 Ford Explorers expensive to insure?
On average, car insurance for a 2020 Ford Explorer costs $158. Compared with other models in a similar price range, it costs 21% more to insure a 2020 Ford Explorer.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2020 Buick Enclave | $68 | $201 |
2020 Mini Cooper | $90 | $200 |
2020 Jeep Compass | $106 | $200 |
2020 Toyota Tundra | $134 | $221 |
2020 Ford Explorer | $158 | $175 |
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
| Rating Type | Rating |
|---|---|
Overall Rollover Rating | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) |
What other factors affect 2020 Ford Explorer insurance rates?
Car insurance companies consider the following factors when generating quotes:
- The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle.
- Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety.
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years.
- Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.
2020 Ford Explorer insurance costs for young drivers
Teen drivers
typically pay the most for car insurance on account of their inexperience on the road. These spiked rates can stay on the higher side until a driver is at least 25 years old.
Landon (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$319
per month
2020 Ford Explorer insurance cost for drivers with driving violations
Drivers with recent violations on their record will typically see higher insurance costs. Common violations can range from speeding tickets and driving without insurance to at-fault accidents and DUIs.
Here’s how much real policyholders pay for insurance if they have violations on their record.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Yield | 2020 | Progressive | $323 | Sam, 35 | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | 2020 | Mercury | $223 | Edgar, 38 | • 15,000/30,000 Liability • Comp / Collision |
Failure to Yield | 2020 | Progressive | $323 | Maurice, 35 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jul 9, 2024How can I lower the cost of insurance for my 2020 Ford Explorer?
Smart shopping strategies
and car insurance discounts
can help you lower the cost of coverage for a 2020 Ford Explorer. Here’s how: - Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.Jerrymakes the comparison process quick and easy!
- Use a broker: Unlike captive agents and even most independent agents,car insurance brokersearn commissions without adding to your insurance costs or pushing you towards a more expensive policy.
- Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.Home and auto bundlessave drivers an average of 15% or more!
- Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle!
- Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!
FAQ
Are Ford Explorers expensive to insure?
Ford Explorers tend to cost less than the national average when it comes to car insurance. The average driver can expect to pay between $90 and $164 for coverage, depending on whether they pick minimum coverage or full coverage. Newer models and higher trim levels tend to cost more as well.
Are Ford Explorers worth the money?
For the price point, Ford Explorer offers a lot of value for families and adventurers who need a three-row SUV. This model includes technology and safety features in line with its competitors, plus tow capacity and engine strength that will satisfy most drivers.
What are the disadvantages of the Ford Explorer?
The Explorer is less roomy than its competitors. It also gets fewer high-quality off-the-line features versus others in its class. Finally, the Explorer is powerful—but it comes at a cost to fuel economy. It gets just 25 combined MPH. For comparison, the Toyota Venza gets 39 combined MPG and the Kia Sorento gets 35 combined MPG.
What are good years for Ford Explorers?
Owners and reviewers say that the most reliable Explorer model years are 1993, 2010, 2011, 2012, and 2019. The 2020 Ford Explorer makes the list of least reliable models, along with the 2002, 2003, and 2004 models. Note that the Ford Explorer rates poorly for reliability, with a higher than average annual repair cost, according to RepairPal.
What should I pay for a new Ford Explorer?
The base 2024 Ford Explorer is priced at around $37,000, and that’s just the MSRP. You may face additional costs for destination fees and higher trim levels. Remember, the cost of a new car varies a lot from state to state. Do your research to find out what the average cost is in your area.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.