Finding competitive car insurance for a Ford Explorer depends on lots of different rating factors such as the mileage of your daily commute, the likelihood of vehicle theft, and your choice of deductibles. Drivers pay around $633 annually to insure their Explorer, but that price is an estimate calculated based on a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 50 years old (or even male), possibly single instead of married, or maybe you prefer to not insure for full coverage. Not every driver requires the same auto insurance coverages, so the only real way to find cheap car insurance rates for your Ford is to do a thorough rate comparison.
View Ford Explorer Insurance Rates
The trim level of your Ford tends to impact the cost of insurance, so the cost to insure a Explorer XLT 2WD model will be $50 less than the price to insure the more expensive Explorer Limited AWD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Explorer Eddie Bauer 2WD | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Explorer XLT 4WD | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Explorer XLT AWD | $112 | $172 | $288 | $18 | $86 | $676 | $56 |
| Explorer Eddie Bauer 4WD | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
| Explorer Eddie Bauer AWD | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
| Explorer Limited 2WD | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
| Explorer Limited 4WD | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
| Explorer Limited AWD | $126 | $208 | $288 | $18 | $86 | $726 | $61 |
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower premiums considerably.
Ending up with a high-quality auto insurance provider is difficult considering how many choices you have in Chandler. The ranking information in the lists below can help you decide which companies to look at purchasing a policy from.
The ratings below only include companies who write in the majority of U.S. states, so companies that may only write in Arizona will not be included in these rankings. If you’d like to compare prices from the insurers below and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The information below demonstrates how deductibles can change insurance prices when getting quotes for cheap insurance for a Ford Explorer. The premiums assume a married female driver, full coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could save $216 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $326 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old example, could possibly save $530 or more just by using higher deductibles.
If you do raise deductibles, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Here’s why you should compare rates often
Arizona auto insurance rates are based on many factors that can increase the price of your policy. Getting older, buying a new vehicle, or getting a DUI may cause policy rate changes resulting in some rates now being much cheaper than others. In addition to those changes, car insurance companies change the rates they charge in Arizona multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can result in higher rates, while a profitable period can result in cheaper Explorer insurance rates.
The bar chart below shows which company has the cheapest car insurance in Chandler, AZ for a 30-year-old male driver with no accidents or violations, and good financial standing. When quoting prices based on his current risk factors, The Hartford offers the lowest car insurance rates in Chandler at $1,059 a year. This is $369 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remaining top five cheapest Chandler, AZ auto insurance companies.
Let’s now give the driver in the first example a chargeable accident, poor credit, and a couple of points charged on his driving record. Because every insurance company has a unique approach to determining premium rates, analyzing rates could result in a slightly different list of affordable Chandler car insurance companies as shown below.
Progressive now has the lowest car insurance rate in Chandler with CSAA, Ameriprise Group, Auto-Owners, and Allied now rounding out the top five. This shows why it is crucial to compare as many rates as possible when trying to find the most economical auto insurance rates for a Ford Explorer. Prices are calculated by many factors and can decrease or increase without notice, so the best price when you bought your policy may now not even be in the top five.