Finding cheap car insurance for a Ford Explorer is dependent upon a lot of things such as whether you are married or single, where your vehicle is garaged, and if you have tickets or violations. Drivers will pay around $619 a year for Explorer insurance, but that price is an estimate calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 50 years old (or even female), maybe you are single instead of married, and you might want liability-only or different deductibles. Not everyone needs the same coverages, so the best way to find the cheapest insurance price for your Ford is to put in the effort to do a thorough rate comparison. Get a free quote now and you will receive rate quotes from some of the best insurers that insure vehicles in Arizona.
The trim level of your Ford will likely have an effect on the cost of insurance, so the price to insure a Explorer XLT 2WD model will be $50 less expensive the cost to insure the fancier Explorer Limited AWD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$110||$168||$282||$16||$84||$660||$55|
|Explorer Eddie Bauer 2WD||$110||$168||$282||$16||$84||$660||$55|
|Explorer XLT 4WD||$110||$168||$282||$16||$84||$660||$55|
|Explorer XLT AWD||$110||$168||$282||$16||$84||$660||$55|
|Explorer Eddie Bauer 4WD||$124||$204||$282||$16||$84||$710||$59|
|Explorer Eddie Bauer AWD||$124||$204||$282||$16||$84||$710||$59|
|Explorer Limited 2WD||$124||$204||$282||$16||$84||$710||$59|
|Explorer Limited 4WD||$124||$204||$282||$16||$84||$710||$59|
|Explorer Limited AWD||$124||$204||$282||$16||$84||$710||$59|
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Information does not factor in garaging location in Tucson which can alter premium rates greatly.
Deciphering which company has the cheapest auto insurance rates for a Ford Explorer calls for a little more work in order to find the best policy. Every insurance company has a unique approach to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Tucson.
We do need to point out that Tucson, AZ auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of your policy. Turning one year older, moving across town, or getting a ticket for careless driving can trigger price changes that may make certain companies cheaper than others.
Cheap Insurance Rates for Your Explorer
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford normally has some of the lowest car insurance rates in Tucson at around $820 annually. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the best Tucson, AZ insurance companies.
As depicted above, if you are currently insured with Travelers and switched to The Hartford, you could realize annual savings of in the neighborhood of $288. Policyholders with USAA could save as much as $293 a year, and GEICO insureds might realize rate reductions of up to $311 a year.
Understand that those rates are averaged across all types of insureds and vehicles and do not take into consideration a vehicle location for a Ford Explorer. So the company that can offer the best rates for your situation may not even be in the top 28 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to find the best auto insurance premiums for an Explorer is to drive carefully and not have accidents or get tickets. The information below illustrates how traffic citations and accident claims can affect insurance premiums for each different age group. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy in Arizona per year with no accidents or violations is $1,888. Get written up for two speeding tickets and the average cost increases to $2,502, an increase of $614 each year. Now add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Explorer goes up to an average of $3,108. That’s an increase of $1,220, or $102 per month, just for not paying attention while driving!
The information below demonstrates how choosing different deductibles can affect yearly insurance costs when getting quotes for cheap insurance for a Ford Explorer. The information is based on a single female driver, full coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could pocket $294 a year by changing from a $100 deductible up to a $500 deductible, or save $446 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could shave as much as $744 every year by choosing a larger deductible amount. If you make the decision to raise deductibles, it will now be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
A good deal can quickly turn bad
Tucson auto insurance rates are influenced by many factors that can increase the price of your policy. Simply having another birthday, moving to a different location, or getting a driving violation can produce rate changes that can cause some rates to be more affordable than before.
Not only may your risk profile change, but insurers amend pricing every year to reflect underwriting profits or losses. Heavier than normal losses can result in more expensive premiums, while less frequent claims can result in lower-cost Explorer insurance rates.
To illustrate this example, the graph below shows rates for the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with no accidents, a clean driving record, and great credit. When comparing rates based on her current risk factors, The Hartford might offer the cheapest car insurance rates in Tucson at $1,021 a year. This is $407 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the most affordable Tucson, AZ auto insurance companies.
In this example, we will give the driver in the first example a chargeable accident, a lower credit rating, and a speeding ticket. Since each company has their own formula to set premium rates, analyzing rates may result in a significantly different list of affordable companies as shown below.
Ameriprise Group now has the best insurance rate in Tucson, AZ with GEICO, CSAA, Allied, and Farm Bureau Mutual also being competitive. This demonstrates why it is crucial to compare as many rates as possible to find the cheapest auto insurance quotes for a Ford Explorer.
Insurance prices can be altered by many factors and can decrease or increase without notice, so the cheapest company the last time you compared rates may now be wasting a lot of money.
How to find the cheapest insurance for a Ford Explorer
The list below summarizes some of the recommended penny-pinching suggestions that can help you find cheap coverage.
- Better credit scores save money
- Increase your policy deductibles
- If your vehicles are older, consider dropping full coverage
- Accidents can significantly increase rates
- Buy a car with high safety ratings
- Speeding tickets and other violations increase rates
- Comparison shop frequently
The final tip is especially crucial, as was affirmed in the prior information. Car insurance rates change constantly, so drivers shouldn’t hesitate to switch companies if a better deal can be had.
Loyalty to a specific company is fine, but it isn’t a good idea if your bullheadedness ends up costing you a wad of cash every year. It takes less than five minutes to shop around to find cheaper car insurance for a Ford Explorer in Tucson.
If you like to have some professional guidance when shopping around for cheaper insurance for an Explorer, the agents below can provide answers to your questions and help you determine which coverages you need.
To find a Tucson insurance agent closest to you, click the button following the list or click here to compare prices now.
Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800
Paul Heiser – State Farm Insurance Agent
2654 N Campbell Ave – Tucson, AZ 85719 – (520) 327-7884
DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000