2019 Ford Explorer Insurance Costs

2019 Ford Explorer Insurance Costs

One of the biggest concerns for 2019 Ford Explorer owners is how much coverage will cost each year. This popular midsize SUV offers a blend of utility and comfort, but its insurance premiums can vary significantly based on numerous factors. This guide provides a comprehensive breakdown of average rates, key influencing factors, and actionable strategies to help you secure the most affordable coverage.

The 2019 Ford Explorer is a versatile midsize SUV known for its spacious interior, comfortable ride, and available V6 engine options. Its popularity, however, means a wide range of insurance cost experiences among owners. This article will equip you with the knowledge to navigate pricing complexities and identify potential savings.

Key Takeaways

• The average monthly full coverage insurance for a 2019 Ford Explorer ranges from $59 to $177, with liability-only averaging around $89 per month.

• Annual premiums for full coverage can range from $665 to $1,992, with some providers offering rates as low as $198 annually for minimum coverage.

• Driver age, geographic location, and driving record are the top three factors most impacting your rates.

• Bundling policies and utilizing safety feature discounts offer the most effective savings opportunities.

• USAA, State Farm, and GEICO frequently offer the cheapest rates for eligible drivers.

• Comparing quotes from multiple providers can lead to estimated savings of $92 to $157 per month for full coverage.

Average Insurance Costs for 2019 Ford Explorer

The national average full coverage insurance premium for a 2019 Ford Explorer is approximately $1,500 annually, or about $125 per month, though some sources indicate an average as low as $665 annually (Insuranceopedia, 2026 data). For liability-only coverage, the average drops to around $89 per month (Insurify). The 2019 model year typically sees lower rates compared to newer Explorers due to depreciation and less expensive repair costs, but slightly higher than much older models which may have fewer safety features.

Insurance costs for the 2019 Ford Explorer vary based on the level of coverage:

• Liability Coverage: This covers damages and injuries you cause to others. For a 2019 Explorer, liability-only averages around $89 monthly (Insurify).

• Full Coverage: This includes liability, comprehensive (non-collision incidents like theft or weather), and collision (damage from accidents). Full coverage averages $177 monthly for Explorers, generally (Insurify).

• Comprehensive Coverage: This component protects against non-collision events and typically averages a portion of the full coverage cost.

Regional cost variations are significant. For example, North Carolina can see rates as low as $66 per month for an Explorer, while New York averages $338 per month (Compare.com). While specific 2019 Ford Explorer rates by city are not universally available, a general Ford Explorer in New York City can average $347 monthly for full coverage (Bankrate). The Ford Explorer generally compares favorably to other midsize SUVs, often being cheaper to insure than models like the Jeep Grand Cherokee or Toyota Highlander (Way.com).

Factors That Impact Your 2019 Explorer Insurance Rate

Several key factors determine the premium you pay for your 2019 Ford Explorer. When you understand these elements, you can plan smarter and potentially lower your overall costs.

1. Driver Age, Experience, and Driving Record: Younger, less experienced drivers or those with a history of accidents or violations will pay significantly higher premiums. A clean driving record is paramount for lower rates (Bankrate).

2. Geographic Location and Zip Code: Urban areas with higher traffic density, theft rates, and accident frequency typically have higher insurance costs. Rates can vary dramatically even within the same state (Compare.com).

3. Credit Score: In most states, a lower credit score is correlated with higher insurance premiums, as insurers view it as an indicator of higher risk. Drivers with poor credit can pay 46% to 336% more than those with good credit (Insurance.com).

4. Annual Mileage and Driving Habits: Driving fewer miles annually can qualify you for low-mileage discounts. Usage-based insurance programs, which monitor driving habits, can also reward safe drivers.

These factors combine to create a personalized risk profile for each driver, directly influencing the final premium quoted for your 2019 Ford Explorer.

Trim Level Insurance Cost Differences

The trim level of your 2019 Ford Explorer significantly impacts insurance costs. Higher trims, with their increased MSRP and advanced features, generally cost more to insure.

• Base vs. XLT vs. Limited vs. Sport vs. Platinum: Base models like the XLT 2WD tend to have the lowest insurance rates, around $1,329 annually. In contrast, premium trims like the Platinum 4WD can cost up to $1,539 annually, a difference of about $210 per year (Way.com).

• Safety Features in Higher Trims: While higher trims are more expensive to replace, their advanced safety features, such as those found in Ford Co-Pilot360, can sometimes mitigate the cost increase by reducing the likelihood of accidents.

• Performance Variants: Performance-oriented trims like the Sport may incur higher premiums due to their powerful engines and greater risk of spirited driving.

The XLT 2WD typically offers the cheapest insurance among the 2019 Ford Explorer trims due to its lower value and simpler features.

Insurance Costs by Major Provider

Insurance rates for the 2019 Ford Explorer vary significantly among providers, highlighting the importance of comparing quotes. Some companies consistently offer more competitive pricing for this specific model.

The chart below outlines the average annual premiums for a 2019 Ford Explorer across leading insurers, making it easier to compare pricing. Costs shown are for full coverage with standard deductibles for a 40-year-old driver with good credit. Data sourced from SaveMaxAuto's proprietary rate analysis.

Based on available data, USAA consistently offers some of the best rates for Ford Explorer coverage, particularly for eligible military members and their families (Insurify). State Farm and GEICO also frequently appear among the most affordable options (Compare.com). SaveMaxAuto, a referral platform, claims to connect users with quotes from various partner insurers, helping to find competitive pricing for vehicles like the Ford Explorer. Comparing quotes from at least three to five providers is crucial to finding the cheapest full coverage for your Explorer.

Money-Saving Strategies for 2019 Explorer Owners

Several strategies can help 2019 Ford Explorer owners reduce their insurance premiums significantly.

1. Available Discounts:

   • Safety Features: The 2019 Explorer's standard features like AdvanceTrac® with Roll Stability Control® and available Ford Co-Pilot360 can qualify for discounts.

   • Anti-theft Devices: Factory-installed alarms or tracking systems can lower premiums.

   • Multi-policy Bundling: Combining auto and home insurance with the same provider can yield substantial savings.

2. Optimal Deductible Selection: Choosing a higher deductible (e.g., $1,000 instead of $500) can lower your premium, but ensure you can afford to pay it in case of a claim (Progressive).

3. Usage-Based Insurance Programs: Telematics programs, like Progressive Snapshot or GEICO DriveEasy, monitor driving habits and can offer discounts of 5-30% for safe drivers (Consumer Reports).

4. Bundling Opportunities and Loyalty Discounts: Insurers often reward customers who bundle multiple policies (auto, home, life) or stay with them for several years with loyalty discounts.

To find the cheapest car insurance, comparing quotes from multiple insurers is the most effective approach, potentially saving $92 to $157 per month for full coverage (MoneyGeek).

Safety Ratings Impact on Insurance Costs

The 2019 Ford Explorer's safety ratings play a crucial role in determining insurance premiums. Vehicles with strong safety scores are generally cheaper to insure because they reduce the risk of injury and property damage in an accident.

• IIHS and NHTSA Safety Ratings: The 2019 Ford Explorer earned a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), including 5 stars for frontal and side crash tests (NHTSA). The Insurance Institute for Highway Safety (IIHS) awarded "Good" ratings in several crash tests, though it received a "Poor" overall small overlap frontal rating and "Acceptable" for passenger-side small overlap (IIHS).

• Standard Safety Features: Features like AdvanceTrac® with Roll Stability Control® and the Safety Canopy® System contribute to lower risk assessments by insurers.

• Premium Reductions: Vehicles with 5-star NHTSA ratings and "Good" IIHS scores can command 5-15% lower premiums than lower-rated peers. However, the Explorer's "Poor" small overlap rating may temper some of these potential discounts.

These safety features translate to lower Ford Explorer insurance costs by reducing the likelihood and severity of claims, ultimately making the vehicle less risky for insurers.

Conclusion

The typical cost for 2019 Ford Explorer insurance ranges from an average of $89 per month for liability-only coverage to approximately $177 per month for full coverage, though specific annual rates can fall between $665 and $1,992 depending on various factors. Key elements influencing these rates include your driving record, age, location, and the specific trim level of your SUV.

Owners have significant control over their car insurance rates by implementing money-saving strategies such as bundling policies, opting for higher deductibles, and leveraging discounts for safety features or good driving habits. Given the wide variance in pricing among insurance providers, comparing quotes from multiple companies like USAA, State Farm, and GEICO is the most effective way to find the cheapest full coverage for your 2019 Ford Explorer.