Estimates, not quotes

Volkswagen Tiguan vs Ford Explorer Insurance Cost

The Volkswagen Tiguan is cheaper to insure by about $35 a year for full coverage by our estimate ($1,365 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

CoverageVolkswagen TiguanFord ExplorerDifference
State minimum$570$550+$20
Standard (100/300/100)$830$800+$30
Full coverage$1,365$1,400−$35

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

Why one costs more to insure

FactorVolkswagen TiguanFord Explorer
SegmentMidsize SUVMidsize SUV
PowertrainsGasolineGasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)7285
HLDI comprehensive7281
HLDI property damage liability8884
HLDI bodily injury liability10092
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)329

Collision losses are the biggest swing factor: the Ford Explorer has 13 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Tiguan vs Explorer insurance by state

StateTiguanExplorerDifference
Alabama$1,175$1,220−$45
Alaska$1,190$1,225−$35
Arizona$1,435$1,470−$35
Arkansas$1,180$1,235−$55
California$1,320$1,370−$50
Colorado$1,545$1,590−$45
Connecticut$1,460$1,490−$30
Delaware$1,545$1,565−$20
District of Columbia$1,710$1,765−$55
Florida$1,990$2,005−$15
Georgia$1,710$1,735−$25
Hawaii$930$965−$35
Idaho$920$950−$30
Illinois$1,175$1,215−$40
Indiana$960$995−$35
Iowa$910$950−$40
Kansas$1,075$1,120−$45
Kentucky$1,150$1,180−$30
Louisiana$1,895$1,940−$45
Maine$860$890−$30
Maryland$1,535$1,570−$35
Massachusetts$1,335$1,375−$40
Michigan$1,475$1,525−$50
Minnesota$1,130$1,170−$40
Mississippi$1,295$1,340−$45
Missouri$1,230$1,270−$40
Montana$1,070$1,115−$45
Nebraska$1,075$1,120−$45
Nevada$1,600$1,610−$10
New Hampshire$960$995−$35
New Jersey$1,665$1,690−$25
New Mexico$1,215$1,255−$40
New York$1,850$1,880−$30
North Carolina$995$1,045−$50
North Dakota$850$895−$45
Ohio$965$1,000−$35
Oklahoma$1,215$1,260−$45
Oregon$1,240$1,260−$20
Pennsylvania$1,175$1,220−$45
Rhode Island$1,660$1,690−$30
South Carolina$1,475$1,500−$25
South Dakota$1,015$1,070−$55
Tennessee$1,120$1,160−$40
Texas$1,605$1,660−$55
Utah$1,250$1,270−$20
Vermont$870$910−$40
Virginia$1,170$1,205−$35
Washington$1,200$1,220−$20
West Virginia$1,125$1,170−$45
Wisconsin$925$955−$30
Wyoming$1,040$1,095−$55

By driver profile (full coverage)

DriverTiguanExplorer
Teen driver (18, own policy)$3,750$3,850
Young adult (22)$2,180$2,240
Adult in their 30s$1,365$1,400
Adult in their 50s$1,255$1,290
Senior (72)$1,525$1,570
30s, one at-fault accident$1,975$2,030
30s, DUI on record$2,520$2,590

More comparisons

Frequently asked questions

Is the Volkswagen Tiguan or the Ford Explorer cheaper to insure?

By our estimate the Volkswagen Tiguan is cheaper, by about $35 a year for full coverage ($1,365 vs. $1,400) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Tiguan and Ford Explorer?

Mostly because of insurance-loss history: HLDI collision indices of 72 vs. 85 and comprehensive indices of 72 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