FORD EXPLORER Car Insurance

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The Ford Explorer is a versatile midsize SUV known for its spacious cabin and seating for up to seven passengers. Popular among North American families, it combines ruggedness, onboard technology, and towing capability appreciated for long trips.

FORD EXPLORER CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Ford Explorer show notable fluctuations, dropping from $2636 in 2021 to a low of $1395 in 2023, then rising to $2009 in 2025 before easing to $1828 in 2026. Overall, the current average premium remains below the 2021 level.

To find the best insurance for your FORD EXPLORER vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your FORD EXPLORER

How much does insurance for your FORD EXPLORER cost in Quebec?

The highest Ford Explorer premiums appear in Saguenay ($2739), Gatineau ($2395), and Montreal ($2377), while Repentigny ($772), Brossard ($858), and Saint-Jean-sur-Richelieu ($1020) post the lowest amounts. The spread between cities is particularly wide for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$858.11
DRUMMONDVILLE	$1635.84
GATINEAU	$2541.11
LAVAL	$1927.30
LÉVIS	$1896.37
LONGUEUIL	$1708.25
MONTRÉAL	$2496.89
QUÉBEC	$1823.57
REPENTIGNY	$772.42
Saguenay	$2739.26
SAINT-JEAN-SUR-RICHELIEU	$1020.18
SAINT-JÉRÔME	$2004.62
SHERBROOKE	$1897.54
TERREBONNE	$1709.62
TROIS-RIVIÈRES	$1958.70

Frequently asked questions (FAQ)

How much does insurance cost for a Ford Explorer?

The average premium for a Ford Explorer ranged between $1395 and $2636 from 2021 to 2026, settling at $1828 in 2026, the latest available year.

Are Ford Explorer premiums stable over time?

No. Between 2021 and 2026, premiums fluctuated significantly, dropping to $1395 in 2023 before rising to $2009 in 2025 and then easing to $1828 in 2026.

Which city has the highest Ford Explorer insurance cost?

Based on the data provided, Saguenay shows the highest premium ($2739), followed by Gatineau ($2395) and Montreal ($2377).

Where is Ford Explorer insurance most affordable?

Repentigny ($772), Brossard ($858), and Saint-Jean-sur-Richelieu ($1020) show the lowest average premiums for this vehicle.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Why do Ford Explorer premiums vary so much between cities?

Differences stem from claim frequency, traffic density, and regional risk profiles, which can create gaps of over $1900 between the most and least expensive cities.

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/09/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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