Ford Explorer Insurance in Florida (2026)
Quick Answer
Full coverage for a 2024 Ford Explorer in Florida costs $355/month ($4,261/year). Safety rating: 4/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Ford Explorer Rates by Company in Florida
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $263/mo | $3,153/yr | Military families |
| Erie Insurance | $281/mo | $3,366/yr | Rate lock guarantee |
| GEICO | $291/mo | $3,494/yr | Clean driving record |
| Progressive | $312/mo | $3,750/yr | Telematics savings |
| State Farm | $323/mo | $3,878/yr | Good students |
| Travelers | $337/mo | $4,048/yr | Multiple discounts |
| Nationwide | $369/mo | $4,431/yr | Bundling home + auto |
| Farmers | $383/mo | $4,602/yr | Signal telematics |
| Allstate | $398/mo | $4,772/yr | Accident forgiveness |
| Liberty Mutual | $419/mo | $5,028/yr | New car replacement |
USAACheapest
Monthly
$263/mo
Annual
$3,153/yr
Best for: Military families
Erie Insurance
Monthly
$281/mo
Annual
$3,366/yr
Best for: Rate lock guarantee
GEICO
Monthly
$291/mo
Annual
$3,494/yr
Best for: Clean driving record
Progressive
Monthly
$312/mo
Annual
$3,750/yr
Best for: Telematics savings
State Farm
Monthly
$323/mo
Annual
$3,878/yr
Best for: Good students
Travelers
Monthly
$337/mo
Annual
$4,048/yr
Best for: Multiple discounts
Nationwide
Monthly
$369/mo
Annual
$4,431/yr
Best for: Bundling home + auto
Farmers
Monthly
$383/mo
Annual
$4,602/yr
Best for: Signal telematics
Allstate
Monthly
$398/mo
Annual
$4,772/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$419/mo
Annual
$5,028/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Ford Explorer Insurance by Age in Florida
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $1,256/mo | $15,070/yr |
| 19 years old | $759/mo | $9,113/yr |
| 21 years old | $605/mo | $7,259/yr |
| 25 years old | $398/mo | $4,773/yr |
| 30 years old | $329/mo | $3,945/yr |
| 40 years old | $309/mo | $3,708/yr |
| 50 years old | $299/mo | $3,590/yr |
| 65 years old | $326/mo | $3,906/yr |