Finding the best cheap insurance for a Ford Explorer hinges on a lot of rating factors such as how many years you have been driving, the likelihood of your vehicle being stolen, and any past driving violations you may have had. Arizona drivers pay on average $946 annually to insure their Explorer, but that cost is based on a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
Most likely you’re not a 40-year-old female, married instead of single, and you want different coverage limits than the example. Having just a slight change in the factors used in pricing a policy can result in a massive change in the cost of a policy.
Different coverage needs are the reason why the only real way to find the cheapest rates for your Ford is to just compare rates yourself. Comparing quotes is easy and you will receive price comparisons from the cheapest companies around.
Vehicle trim level can impact the yearly cost, so the rate you will pay to insure a Explorer XLT 2WD trim level will be $88 less than the cost to insure the more well-appointed Explorer Limited AWD model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Explorer Eddie Bauer 2WD | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Explorer XLT 4WD | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Explorer XLT AWD | $180 | $292 | $390 | $24 | $116 | $1,002 | $84 |
| Explorer Eddie Bauer 4WD | $204 | $356 | $390 | $24 | $116 | $1,090 | $91 |
| Explorer Eddie Bauer AWD | $204 | $356 | $390 | $24 | $116 | $1,090 | $91 |
| Explorer Limited 2WD | $204 | $356 | $390 | $24 | $116 | $1,090 | $91 |
| Explorer Limited 4WD | $204 | $356 | $390 | $24 | $116 | $1,090 | $91 |
| Explorer Limited AWD | $204 | $356 | $390 | $24 | $116 | $1,090 | $91 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can change premiums significantly.
What is the best car insurance company in Mesa?
Choosing the right auto insurance provider can be difficult considering how many choices you have in Arizona. The ranking information in the next section can help you choose which providers to look at when trying to find cheaper insurance for a Ford Explorer. These ratings include companies with a nationwide focus, so smaller companies are not taken into consideration for this list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay cheaper rates
The recommended way to maintain good car insurance rates in Arizona for an Explorer is to drive cautiously and avoid at-fault accidents and violations. The illustration below shows how violations and at-fault accidents can affect insurance premiums for each age group. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy in Mesa per year with no accidents or violations is $1,341. Factor in one speeding ticket and the average cost hikes up to $1,541, an increase of $200 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford Explorer increases to an average of $2,091. That’s an increase of $751, or $63 per month, just for not being a responsible driver!
Full coverage versus liability-only
Saving money on car insurance is the goal of the majority of drivers, and one way to find cheaper insurance for a Ford Explorer is to buy liability only. The information below shows the difference between insurance rates with and without full coverage. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no discounts are applied.
As an average for all age groups, physical damage coverage on your policy costs an extra $1,741 per year more than just insuring for liability. Lot’s of drivers question when is the right time to remove full coverage. There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement value is $12,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $11,000 after paying the physical damage deductible. If it’s costing you more than $1,100 annually for full coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Don’t stick with an overpriced policy
Arizona car insurance rates are impacted by many factors that can increase the cost of having a policy. Simply getting older, moving to a different location, or getting a reckless driving citation can cause premium changes that can cause some rates to be more affordable than before. Not only may things change on your end, but car insurance companies change their prices at least once a year in order to protect their financial rating. A period of increased losses may result in rate hikes, while lower claims may cause lower-cost Explorer insurance rates.
The graph below analyzes the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with a clear driving record, no claims, and excellent credit. If we compare prices based on her current risk profile, The Hartford might offer the best car insurance rates in Mesa at $1,081 each year. This is $347 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also included in the cheapest Mesa, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison a claim surcharge, bad credit, and a speeding ticket. Because each insurer uses their own method for determining rates in each state, comparing prices may result in a substantially altered list of the cheapest companies as shown below.
CSAA now has the best price on car insurance in Mesa with GEICO, Ameriprise Group, Allied, and Farm Bureau Mutual completing the list. This shows why consumers need to take the time to do a thorough rate comparison to get the most affordable car insurance quotes for a Ford Explorer.
Auto insurance prices are made up of many factors and can increase or decrease at any time, so the most economical option the last time you checked may now be one of the more expensive options.
How to find low-cost auto insurance for a Ford Explorer
It is possible to find better rates, and here are a few thrifty solutions that can help Arizona drivers get cheaper car insurance.
- Do not pay for full coverage if not needed
- Buy safe vehicles
- Drive attentively and avoid accidents
- Just one traffic violation will increase your rates
- Clean up your credit
- Increase your physical damage deductibles
- Compare rates and switch if you can find a better deal
The last item on the list is extraordinarily critical, as we discussed in the prior article. Car insurance prices fluctuate constantly, so don’t be afraid to change insurance companies if you can find a cheaper rate.
Sticking with a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a wad of cash every year. Take a couple minutes and compare prices and find cheaper auto insurance for a Ford Explorer in Mesa.