Finding the best cheap auto insurance for a Ford Explorer depends on many rating criteria such as how you use your vehicle, the condition of your credit, and your choice of physical damage deductibles. Texas drivers pay approximately $1,347 a year to insure their Explorer, but that cost is a projection using a 30-year-old single male driver with full coverage and $250 deductibles.
If we were betting, you aren’t exactly 30 years old or even a male, maybe you are married instead of single, or you just prefer to insure for liability only. Have just a small change in rating criteria can result in a massive change in rates.
The different assumptions illustrate why the only real way to find cheap insurance prices for your Ford is to do a thorough rate comparison. Quotes only take a couple of minutes and you can get prices from top-rated car insurance companies in Texas.
The specific model of Explorer will likely have an effect on price, so the price you will pay to insure a Explorer XLT 2WD model will cost $130 less than the insurance cost for the higher-end Explorer Limited AWD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Explorer Eddie Bauer 2WD | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Explorer XLT 4WD | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Explorer XLT AWD | $336 | $408 | $500 | $30 | $150 | $1,424 | $119 |
| Explorer Eddie Bauer 4WD | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Explorer Eddie Bauer AWD | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Explorer Limited 2WD | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Explorer Limited 4WD | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
| Explorer Limited AWD | $378 | $496 | $500 | $30 | $150 | $1,554 | $130 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates greatly.
Ending up with a good quality auto insurance company is difficult considering how many companies there are to choose from in Fort Worth. The information in the lists below can help you choose which auto insurers to look at when trying to find the cheapest insurance for a Ford Explorer.
These rankings are only comprised of the companies with a significant amount of written premium nationwide, so companies that only write business in Texas or surrounding areas are not taken into consideration for this list. To compare prices and find cheaper insurance for a Ford Explorer, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
How accidents and violations affect rates in Fort Worth
The recommended way to score the best insurance prices in Texas for an Explorer is to drive attentively and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and fender-benders impact insurance premiums for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy in Fort Worth per year with no accidents or violations is $2,417. Receive one speeding ticket and the average cost increases to $2,721, an increase of $304 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford Explorer increases to an average of $5,325. That’s an increase of $2,909, or $242 per month, just for not maintaining a clean driving record!
The illustration below illustrates how choosing a deductible can affect insurance costs when getting quotes for cheap insurance for a Ford Explorer. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could lower their car insurance rates by $308 a year by changing from a $100 deductible to a $500 deductible, or save $470 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save up to $914 each year just by choosing larger deductibles. When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find cheaper car insurance for a Ford Explorer
The list below summarizes a few money-saving solutions that can help you buy lower-cost auto insurance.
- Remain accident-free and save
- Good credit scores may lower your rates
- Raise deductibles
- Do not insure for full coverage
- Avoid getting citations and tickets
- Vehicles with good safety ratings are usually cheaper to insure
- Comparison shop at least once a year
The last suggestion is remarkably valuable, as was affirmed in this write-up. Prices charged by auto insurers can be changed at any time, so don’t be tentative to switch companies if a better rate can be found.
Staying with the same company for years is fine, but it’s not a great idea if that inflexibility results in costing you money that could be spent on other things. Take a couple minutes and compare rates and find cheaper auto insurance for a Ford Explorer in Fort Worth.
The insurance agencies below are a good start to help you determine which coverages are best, since some people prefer to have some advice when comparing insurance rates for an Explorer. It can be complicated to find the best coverage yourself, so agents can provide you comfort knowing you have enough coverage when you need it.
To locate a Fort Worth insurance agent close to you, click the link at the bottom or click here to compare price quotes.
Linda Allen – State Farm Insurance Agent
5328 Boat Club Rd – Fort Worth, TX 76135 – (817) 236-7200
Hemphill Insurance Agency
3121 Hemphill St – Fort Worth, TX 76110 – (817) 923-2001
Nationwide Insurance: Morris Curlee Jr
3000 Altamesa Blvd #150 – Fort Worth, TX 76133 – (817) 370-9838
Fort Worth Insurance Agency
5049 Trail Lake Dr – Fort Worth, TX 76133 – (817) 292-2929