Estimates, not quotes

Nissan Murano vs Ford Explorer Insurance Cost

The Ford Explorer is cheaper to insure by about $65 a year for full coverage by our estimate ($1,465 vs. $1,400), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageNissan MuranoFord ExplorerDifference
State minimum$565$550+$15
Standard (100/300/100)$820$800+$20
Full coverage$1,465$1,400+$65

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Murano minus Explorer.

Why one costs more to insure

FactorNissan MuranoFord Explorer
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, HybridGasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)9085
HLDI comprehensive9081
HLDI property damage liability8484
HLDI bodily injury liability10192
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)229

Collision losses are the biggest swing factor: the Nissan Murano has 5 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Murano vs Explorer insurance by state

StateMuranoExplorerDifference
Alabama$1,275$1,220+$55
Alaska$1,280$1,225+$55
Arizona$1,535$1,470+$65
Arkansas$1,290$1,235+$55
California$1,430$1,370+$60
Colorado$1,670$1,590+$80
Connecticut$1,550$1,490+$60
Delaware$1,630$1,565+$65
District of Columbia$1,840$1,765+$75
Florida$2,085$2,005+$80
Georgia$1,805$1,735+$70
Hawaii$1,005$965+$40
Idaho$995$950+$45
Illinois$1,270$1,215+$55
Indiana$1,040$995+$45
Iowa$1,000$950+$50
Kansas$1,175$1,120+$55
Kentucky$1,230$1,180+$50
Louisiana$2,025$1,940+$85
Maine$930$890+$40
Maryland$1,640$1,570+$70
Massachusetts$1,435$1,375+$60
Michigan$1,590$1,525+$65
Minnesota$1,225$1,170+$55
Mississippi$1,400$1,340+$60
Missouri$1,330$1,270+$60
Montana$1,175$1,115+$60
Nebraska$1,180$1,120+$60
Nevada$1,670$1,610+$60
New Hampshire$1,040$995+$45
New Jersey$1,755$1,690+$65
New Mexico$1,315$1,255+$60
New York$1,955$1,880+$75
North Carolina$1,090$1,045+$45
North Dakota$945$895+$50
Ohio$1,045$1,000+$45
Oklahoma$1,325$1,260+$65
Oregon$1,310$1,260+$50
Pennsylvania$1,275$1,220+$55
Rhode Island$1,760$1,690+$70
South Carolina$1,565$1,500+$65
South Dakota$1,130$1,070+$60
Tennessee$1,215$1,160+$55
Texas$1,740$1,660+$80
Utah$1,325$1,270+$55
Vermont$950$910+$40
Virginia$1,255$1,205+$50
Washington$1,270$1,220+$50
West Virginia$1,225$1,170+$55
Wisconsin$1,005$955+$50
Wyoming$1,155$1,095+$60

By driver profile (full coverage)

DriverMuranoExplorer
Teen driver (18, own policy)$4,020$3,850
Young adult (22)$2,340$2,240
Adult in their 30s$1,465$1,400
Adult in their 50s$1,345$1,290
Senior (72)$1,640$1,570
30s, one at-fault accident$2,120$2,030
30s, DUI on record$2,705$2,590

More comparisons

Frequently asked questions

Is the Nissan Murano or the Ford Explorer cheaper to insure?

By our estimate the Ford Explorer is cheaper, by about $65 a year for full coverage ($1,465 vs. $1,400) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Murano and Ford Explorer?

Mostly because of insurance-loss history: HLDI collision indices of 90 vs. 85 and comprehensive indices of 90 vs. 81 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page