Finding cheap insurance for a Ford Explorer is fairly easy, but it depends on a lot of things such as your gender, if you have recent claims, and physical damage deductibles. Drivers in Texas will pay around $1,206 each year for Explorer insurance, but that cost is a projection based on a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you may not be 30 years old (or even male), possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Everyone has unique insurance needs, and this illustrates why the best way to find the most affordable coverage for your Ford is to just take the time to compare rates yourself. Do a quick rate comparison now and you will receive prices from some of the best insurers that insure vehicles in Texas.
The trim level of your vehicle tends to impact the yearly cost, so the price you will pay to insure a Explorer XLT 2WD model will be $108 less than the cost to insure the more expensive Explorer Limited AWD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$272||$328||$500||$30||$150||$1,280||$107|
|Explorer Eddie Bauer 2WD||$272||$328||$500||$30||$150||$1,280||$107|
|Explorer XLT 4WD||$272||$328||$500||$30||$150||$1,280||$107|
|Explorer XLT AWD||$272||$328||$500||$30||$150||$1,280||$107|
|Explorer Eddie Bauer 4WD||$308||$400||$500||$30||$150||$1,388||$116|
|Explorer Eddie Bauer AWD||$308||$400||$500||$30||$150||$1,388||$116|
|Explorer Limited 2WD||$308||$400||$500||$30||$150||$1,388||$116|
|Explorer Limited 4WD||$308||$400||$500||$30||$150||$1,388||$116|
|Explorer Limited AWD||$308||$400||$500||$30||$150||$1,388||$116|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific Arlington garaging location which can change insurance rates greatly.
Deciding which companies quote the best car insurance rates for a Ford Explorer involves more time in order to find the lowest price. Each insurer uses a slightly different approach for setting rates, so we’ll go over the most affordable car insurance companies in Arlington.
We do need to point out that Arlington car insurance rates are determined by lots of factors which can substantially change the cost of your policy. Simply improving your credit, buying a home, or having an at-fault accident can trigger rate changes that may make certain companies cheaper than others.
Find Cheaper Car Insurance for Your Explorer
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the best car insurance rates in Arlington at around $1,052 per year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Arlington, TX auto insurance companies.
As shown in the table above, if you buy coverage from Esurance and switched to USAA, you might realize savings of in the vicinity of $262. Texas drivers with California Casualty may save as much as $321 a year, and State Farm customers might realize rate reductions of up to $333 a year.
If you would like to find cheaper car insurance rates, click here or visit any of the companies below.
Remember that these estimates are averaged across all drivers and vehicles and and are not calculated with a vehicle location for a Ford Explorer. So the company that can offer you the best rate may not even be in the top 23 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
Types of discounts on Arlington car insurance rates
Insurers that offer cheap quotes for a Ford Explorer may also provide price discounts that can lower rates by as much as 40% or more if you meet specific criteria. The best car insurance companies and some of the premium reductions they offer can be read below.
- Farmers Insurance may include discounts for alternative fuel, youthful driver, distant student, electronic funds transfer, multi-car, and teen driver.
- Esurance offers premium reductions for anti-lock brakes, multi-policy, multi-car, claim free, and safety device.
- State Farm includes discounts for Drive Safe & Save, multiple autos, good driver, multiple policy, safe vehicle, anti-theft, and good student.
- GEICO may offer discounts for good student, membership and employees, anti-theft, anti-lock brakes, and emergency military deployment.
- Allstate offers discounts for safe driver, passive restraint, premier discount, FullPay discount, and good payer.
The diagram below visualizes the comparison of premium costs with and without discounts applied. Data assumes a female driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, accident-free, homeowner, safe-driver, passive restraint, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Ford Explorer is 28% or $511.
Cost of full coverage
Finding the cheapest car insurance should be important to the majority of drivers, and one common way to lower the cost of insurance for a Ford Explorer is to buy liability only. The illustration below visualizes the comparison of insurance rates with and without physical damage coverage. The prices are based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage coverage costs $2,417 per year more than just buying liability only. That brings up the question when is it safe to stop buying full coverage. There is no clear-cut formula of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement cost is $9,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,500 after the deductible is paid. If you are paying in excess of $850 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not recommended. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Who has the cheapest Explorer insurance?
Texas car insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Simply getting older, buying a different home, or having a fender bender may generate price changes that may make certain companies affordable when they were higher priced.
Not only may your situation change, but car insurance companies modify pricing every year in order to be able to pay unexpected claims. Heavy losses can result in higher rates, while lower claims can cause lower-priced Explorer insurance rates.
For instance, the data below shows the cheapest car insurance in Arlington, TX for a 35-year-old female driver with no accidents, a clean driving record, and excellent credit. When comparing rates based on her personal risk profile, Travelers might quote the lowest car insurance rates in Arlington at $1,161 a year. This is $743 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the best Arlington, TX auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a claim or two, slightly worse credit, and a stop sign violation. Since each auto insurer has a proprietary formula for determining rates, analyzing rates most likely will result in a new list of the cheapest companies as shown below.
State Farm now has the cheapest rate in Arlington with Mercury, Nationwide, Safe Auto, and USAA now being in the top five. This shows why Texas drivers need to compare rates when trying to find the cheapest car insurance quotes for a Ford Explorer. Car insurance prices are impacted by many things and change substantially, so the most economical option the last time you shopped around may now be quite expensive.
The agents shown below can probably provide answers to your questions and help you determine which car insurance company is the best fit, as many people would rather get some professional input when comparing insurance rates for a Ford Explorer. It can be difficult to find the cheapest rates, so a licensed agent can provide you satisfaction knowing you have enough protection. To locate an Arlington car insurance agency closest to you, click the button following the list or click here to compare rates now.
Vogue Insurance Agency
1201 N Watson Rd #287 – Arlington, TX 76006 – (682) 305-2140
Ryan Salsbury – State Farm Insurance Agent
1120 E Bardin Rd Ste 170 – Arlington, TX 76018 – (817) 465-7926
Allstate Insurance: Thomas R. Crutchfield
214 S Mesquite St – Arlington, TX 76010 – (817) 861-1977
Estes and Cleveland Insurance Agency, Inc.
521 E Abram St – Arlington, TX 76010 – (817) 265-4488
Nationwide Insurance: Al Sicard Agency Group LLC
1818 E Abram St – Arlington, TX 76010 – (817) 460-3377
How to find low-cost insurance for a Ford Explorer
Here are some of the better thrifty ideas that can help Arlington drivers find cheaper coverage.
- Buy a vehicle with excellent safety ratings
- Buying home and auto together can help save money
- Higher credit ratings may save you money
- Remain accident-free and save
- Do not pay for full coverage if not needed
- Shop your coverage around for the best deal
That last piece of advice is very important, as was discussed in the article above. Prices charged by car insurance companies go up and down frequently, so don’t be hesitant to change insurance companies if you can find a cheaper rate.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that faithfulness ends up costing you a fortune every year. Take a couple minutes and compare rates to find cheaper car insurance for a Ford Explorer in Arlington.