FORD EXPLORER 2016 Car Insurance

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The 2016 Ford Explorer is a versatile midsize SUV valued for its spacious cabin and seating for up to seven passengers. Built for families, it combines road comfort with towing capability in a practical package.

FORD EXPLORER 2016 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, the average premium for the 2016 Ford Explorer rises overall, from $956 to $1324, despite slight fluctuations between 2023 and 2025. This progression reflects rising repair and parts-replacement costs.

To find the best insurance for your FORD EXPLORER 2016 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your FORD EXPLORER 2016

How much does insurance for your FORD EXPLORER 2016 cost in Quebec?

The highest premium is seen in Trois-Rivières ($1702), followed by Montreal ($1622), while Terrebonne posts the lowest amount ($859). Laval sits in a middle position at $1376.

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
LAVAL	$1376.01
MONTRÉAL	$1622.3
TERREBONNE	$859.46
TROIS-RIVIÈRES	$1702.36

Frequently asked questions (FAQ)

How much does insurance cost for a 2016 Ford Explorer?

In 2026, the average premium for a 2016 Ford Explorer is $1324, up from $956 recorded in 2021.

Has the premium for the 2016 Ford Explorer changed much since 2021?

Yes. It rose from $956 in 2021 to $1324 in 2026, with some fluctuation between 2023 ($1237) and 2025 ($1289), but an overall upward trend.

Which city has the highest insurance cost for a 2016 Ford Explorer?

Based on the data provided, Trois-Rivières shows the highest premium at $1702, ahead of Montreal ($1622).

Does Terrebonne really offer the lowest premiums for this vehicle?

Yes. Among the cities provided, Terrebonne has the lowest average premium for the 2016 Ford Explorer at $859, well below Laval ($1376) and Montreal ($1622).

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.

What factors influence the premium for an SUV like the 2016 Ford Explorer?

Vehicle age, replacement value, claim frequency, and parts costs all influence the premium, which also varies depending on the city of residence.

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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: 08/14/2026

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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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