Ford Explorer Sport Trac Insurance Cost

As a Explorer Sport Trac driver, you have the opportunity to choose Ford Explorer Sport Trac insurance that works best for your needs, and your wallet. As of 2025, average Ford Explorer Sport Trac insurance rates at Lemonade range from roughly $40 a month (learn more about the methodology here).

There are lots of factors that impact the cost of car insurance, we’ll get more into that below.

Lemonade Car offers Explorer Sport Trac drivers super customizable coverage options, great bundles, discounts for things like safe and low-mileage driving, and so much more to help give you peace of mind behind the wheel without breaking the bank.

TL;DR

• Average Ford Explorer Sport Trac insurance cost in 2025 at around $40 a month
• The insurance cost for a Ford Explorer Sport Trac is similar across different model years.

What factors impact Ford Explorer Sport Trac insurance costs?

Car insurance rates depend on a lot of factors, with a main point of interest for insurance providers being your car’s make (ie. Ford), your car model (ie. Explorer Sport Trac), model year, and trim—like sport, or sedan.

Here are some additional factors that can impact your Ford Explorer Sport Trac insurance premiums:

• Where you live
• Driving record (aka driving history)
• Claims history
• Mileage
• Safety rating
• Credit score
• Driver age and experience
• Insurance coverages—like comprehensive coverage, collision coverage, or full coverage
• Coverage limits and deductibles
• Semi-annual policy vs. monthly payments

Learn more about what goes into how much car insurance costs, if you’re interested.

Compare Ford Explorer Sport Trac insurance rates by model year

Check out average starting rates* for Ford Explorer Sport Trac model years 2013 to 2025.

Do Ford Explorer Sport Trac insurance rates vary by state?

Yes, how much you pay to insure your Ford Explorer Sport Trac can vary depending on where you live—including your state.

For example, average car insurance rates for a 2013 Ford Explorer Sport Trac in Illinois range from roughly $40 a month, while monthly premiums in Texas range from about $75 for the same model and model year.

Keep in mind: Lemonade car insurance is currently available in a handful of states and will soon roll out to many more states nationwide (make sure to join our waitlist so you’ll be the first to know when we reach your state.)

How can I save money on Ford Explorer Sport Trac car insurance?

There are so many ways you can save on your premium when you drive your Ford Explorer Sport Trac with Lemonade car insurance, including:

• Safety features that keep you even more protected on the road—like anti-lock braking systems, alarms, and airbags
• Driving with the Lemonade app—which gives you the chance to show us how awesome (and safe) of a driver you are, and to potentially get a discount when your policy renews
• Low-mileage drivers get rewarded with savings
• Multi-car discount if you need to cover more than one car on a single Lemonade car insurance policy
• Hybrid/EV discount: Lemonade will quote you a lower rate on your policy when you go green, depending on your state
• Bundle your Lemonade Car policy with any of our other insurance offerings—like renters, homeowners, or pet insurance—and become eligible for a discount on each policy

Sign up for Lemonade Car before your coverage start date. Planning ahead pays with Lemonade.

What’s the best car insurance company to protect my Ford Explorer Sport Trac?

Glad you asked! We’re a bit biased, but… when you cover your Ford Explorer Sport Trac with Lemonade car insurance, you can enjoy great coverage, score savings and discounts, and help make the planet a little greener for generations to come.

Ready to take Lemonade Car for a spin in your Ford? Click below to start your free car insurance quote, from Lemonade. It’s quick, easy, and—dare we say—even kind of fun.

Methodology

Lemonade Insurance conducted an internal analysis to evaluate policy rates across different makes and models of vehicles for a 32-year-old single female customer, currently holding a Lemonade Renters Policy in the state of Illinois. The policy considered includes only liability coverages with minimum state-mandated limits, and no optional coverages or upgrades. The customer resides in a zip code with an average cost of living, and has an insurance history that reflects no accidents, violations, or claims, with average driving patterns relative to other drivers in the state. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only. Quotes may vary depending on individual circumstances.

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.