Ford Explorer ST Insurance Cost

The Explorer ST is a medium-sized SUV that might be costlier for insurance. For a Ford Explorer the estimated cost of insurance is $171 a month, or $2,052 per year. However, the projected engine power boost in 2020 will make the Ford Explorer ST more costly. At a base price of $54,740, the yearly price-to-basis insurance ratio of 3.7 percent is equal to the national mean of 4 percent, assuming your premiums remain within the predicted average.

How do I compare insurance for the Ford Explorer ST?

Ford Explorer ST Insurance Cost - Ford Logo

Be aware of these things if you are looking for auto insurance quotes for Explorer ST:

  • Body type. As an SUV, Explorer ST is closer than full-size SUVs and trucks in body style to a crossover, which might be cheaper to ensure.
  • Fuel. Explorer ST is closer to a crossover, which might be less expensive to assure than full-size SUVs and body-like vehicles.
  • Theft rates. In 2014 the Ford Explorer was the third most robbed SUV of its kind, which would contribute to increased insurance expenses. The ST is not a new model in the Explorer line-up.
  • Maintenance. The conventional cost of maintenance for Ford is cheap, and you can earn points for free or discounted dealer services with the new FordPass Rewards programme. But better technology consoles and stronger engines can increase maintenance expenses – and extended insurance premiums.
  • Coverage. Since Explorer is not an explorer, standardized coverage might be chosen. However, for new automobiles and autos with high theft rates collisions and extensiveness are advised.
  • Warranty. The ST has a new three-year or 36,000-mile vehicle-limited guarantee, with five or sixty thousand miles for the powertrain. Fortunately, you may save your insurance coverage on roadside help.

Does the Ford Explorer ST qualify for discounts?

Yes. The ST comes with the following features, which can qualify for insurance savings for safety devices:

  • Antitheft device
  • Anti Lock brakes
  • Hybrid engine
  • Anti Whiplash
  • Front impact airbags
  • Knee airbags
  • Overhead airbags
  • Pretensioners
  • Side impact airbags
  • Stability control
  • Post crash alert system
  • Latch system for child safety seats
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How reliable is the Ford Explorer ST?

Yes. The ST comes with the following features, which can qualify for insurance savings for safety devices:

  • Safety. The 2020 ST has not received an IIHS security award and as of this writing, no NHTSA safety ratings are available. The 2019 Explorer model achieved a total NHTSA 5-star rating.
  • Reliability. As a new model, the Explorer ST did not obtain dependability, but from the J.D. Power and Associates Vehicle Dependability Study, the 2019 Explorer obtained 79 of the 100 models.
  • Recalls. The 2020 Ford Explorer was cited three times by the NHTSA, according to Consumer Reports:

The manual parking release cover was not fitted and Ford lots of vehicles were still delivered in factory mode, thus warning alerts were discarded and transmissions selected were not shown appropriately.

The manual recliner mechanism of Explorers, fitted with rear outboard seats, lacked a component that weakened the seat to prevent it from complying with security rules.

An improperly secured cable harness caused contact with a compressor that caused wire and harness damage and increased the chance of a fire. On Explorers, with 2.3 and 3.3 liter engines alone this problem was identified. This recall does not apply if you choose the ST 3-liter EcoBoost engine.

Bottom line

The Ford Explorer ST is one of the most powerful SUVs available on the market and is the market leader. However, the strong engine in combination with advanced cab technology could lead to somewhat higher insurance premiums for this model. Make sure you pick the proper insurance provider for yourself or attempt to compare rates for different products and models in this class.

For another car insurance review, Visit our review of Chevy Traverse Insurance Cost.