Ford Explorer Insurance Costs in Ohio
The Ford Explorer is America's best-selling 3-row SUV, delivering strong family utility with reasonable insurance costs for its size class. Its 5-star NHTSA safety rating and low theft profile keep premiums competitive despite the higher MSRP and larger vehicle footprint.
Ford Explorer Insurance Tips
Explorer insurance is 5–8% below the 3-row SUV average thanks to its 5-star NHTSA safety rating
The Explorer's low theft rate helps keep comprehensive premiums in check despite its higher value
Platinum and ST trims add $250–$450/year to insurance due to specialty features and higher replacement costs
Explorer Hybrid adds $150–$250/year vs the gas version but may qualify for green vehicle discounts
Ford Explorer Insurance Rates by State
Full coverage, standard driver profile (35 yr, 12K miles/yr, 10 yrs experience). Click any state for a detailed breakdown.
How to Get the Cheapest Ford Explorer Insurance Rate
Compare at least 5 quotes
Rates for the same Ford Explorer driver profile vary $400–$1,200/year between insurers. Always compare GEICO, Progressive, State Farm, Erie, and your local regional insurer.
Bundle home and auto
Most insurers offer 10–25% multi-policy discounts. Bundling your Ford Explorer with homeowners or renters insurance typically saves $180–$400/year.
Raise your deductible
Moving from a $500 to $1,000 deductible saves $150–$350/year. Only do this if you can comfortably cover $1,000 out-of-pocket after a claim.
Ask about safety technology discounts
The Ford Explorer's safety features (automatic emergency braking, lane assist) qualify for ADAS discounts of 5–12% at most major insurers. Confirm this discount is applied to your quote.
Maintain a clean driving record
A single at-fault accident adds 25–45% to your premium for 3–5 years. The single most impactful long-term strategy for low insurance costs is accident avoidance.