Ford Explorer Insurance in Illinois (2026)
Quick Answer
Full coverage for a 2024 Ford Explorer in Illinois costs $168/month ($2,015/year). Safety rating: 4/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Ford Explorer Rates by Company in Illinois
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $124/mo | $1,491/yr | Military families |
| Erie Insurance | $133/mo | $1,592/yr | Rate lock guarantee |
| GEICO | $138/mo | $1,652/yr | Clean driving record |
| Progressive | $148/mo | $1,773/yr | Telematics savings |
| State Farm | $153/mo | $1,834/yr | Good students |
| Travelers | $160/mo | $1,914/yr | Multiple discounts |
| Nationwide | $175/mo | $2,096/yr | Bundling home + auto |
| Farmers | $181/mo | $2,176/yr | Signal telematics |
| Allstate | $188/mo | $2,257/yr | Accident forgiveness |
| Liberty Mutual | $198/mo | $2,378/yr | New car replacement |
USAACheapest
Monthly
$124/mo
Annual
$1,491/yr
Best for: Military families
Erie Insurance
Monthly
$133/mo
Annual
$1,592/yr
Best for: Rate lock guarantee
GEICO
Monthly
$138/mo
Annual
$1,652/yr
Best for: Clean driving record
Progressive
Monthly
$148/mo
Annual
$1,773/yr
Best for: Telematics savings
State Farm
Monthly
$153/mo
Annual
$1,834/yr
Best for: Good students
Travelers
Monthly
$160/mo
Annual
$1,914/yr
Best for: Multiple discounts
Nationwide
Monthly
$175/mo
Annual
$2,096/yr
Best for: Bundling home + auto
Farmers
Monthly
$181/mo
Annual
$2,176/yr
Best for: Signal telematics
Allstate
Monthly
$188/mo
Annual
$2,257/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$198/mo
Annual
$2,378/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 Illinois
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $594/mo | $7,128/yr |
| 19 years old | $359/mo | $4,310/yr |
| 21 years old | $286/mo | $3,433/yr |
| 25 years old | $188/mo | $2,258/yr |
| 30 years old | $156/mo | $1,866/yr |
| 40 years old | $146/mo | $1,754/yr |
| 50 years old | $142/mo | $1,698/yr |
| 65 years old | $154/mo | $1,847/yr |