Cheap Insurance for a Ford Explorer in Rhode Island
Enter your Rhode Island zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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Our editors always tell us that when writing about car insurance, the word affordable really shouldn’t be used as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Ford Explorer can seem impossible to find. But don’t let us ruin your dream, because we can show you some ways you can still find auto insurance that fits into your budget.
The odds of finding cheap car insurance for a Ford Explorer in Rhode Island is dependent upon a complicated formula that considers factors such as if you are married or single, your current insurance company, and deductibles for comprehensive and collision coverage. Rhode Island drivers on average will pay $1,240 per year to buy Ford Explorer insurance, but that price is a projection rating a 30-year-old married male with full coverage including both comprehensive and collision and $250 policy deductibles.
Chances are good that you are not 30 years old and maybe not even male, you might be single instead of married, or maybe you do not need full coverage. Making even small differences in policy rating data can cause big changes in the policy cost.
Every policy is rated specifically for the driver, so the only way to find the most affordable coverage for your Ford is to shop around at every renewal for lower rates. In just a few minutes you will be able to see rates from top-rated car insurance companies that insure Ford vehicles in Rhode Island.
The specific trim level tends to impact the yearly cost, so the price you will be charged to insure a Explorer XLT 2WD will be $134 less expensive the price to insure the higher-priced Explorer Limited AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$314||$434||$406||$24||$122||$1,300||$108|
|Explorer Eddie Bauer 2WD||$314||$434||$406||$24||$122||$1,300||$108|
|Explorer XLT 4WD||$314||$434||$406||$24||$122||$1,300||$108|
|Explorer XLT AWD||$314||$434||$406||$24||$122||$1,300||$108|
|Explorer Eddie Bauer 4WD||$354||$528||$406||$24||$122||$1,434||$120|
|Explorer Eddie Bauer AWD||$354||$528||$406||$24||$122||$1,434||$120|
|Explorer Limited 2WD||$354||$528||$406||$24||$122||$1,434||$120|
|Explorer Limited 4WD||$354||$528||$406||$24||$122||$1,434||$120|
|Explorer Limited AWD||$354||$528||$406||$24||$122||$1,434||$120|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle location which can influence prices greatly.
Picking the highest-rated car insurance company is hard considering how many companies there are in Rhode Island. The company information shown next may help you decide which coverage providers to look at when trying to find the cheapest insurance for a Ford Explorer. The rankings below include companies that write coverage in many states, so companies that may only write in Rhode Island are not included in this list.
Top 10 Major Auto Insurance Companies Overall in Rhode Island
- The General
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
Top 10 Major Auto Insurance Companies in Rhode Island Ranked by Customer Service
- American Family
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Top Companies for Ford Explorer Insurance in Rhode Island
Enter your zip code below to view companies that have cheap auto insurance rates.
How violations and accidents impact rates
The ideal way to score the best car insurance rates for an Explorer is to drive attentively and avoid accidents and violations. The information below illustrates how speeding tickets and fender-benders impact insurance rates for each different age category. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy in Rhode Island per year with no accidents and a clean driving record is $1,737. Get written up for two speeding tickets and the average cost jumps to $2,385, an increase of $648 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for a Ford Explorer jumps again to an average of $3,039. That’s an increase of $1,302, or $109 per month, just for not driving responsibly!
Why are you paying too much for Explorer insurance?
Rhode Island car insurance rates are influenced by many factors that control the price you pay for coverage. Simply getting older, having a teen driver, or getting a couple of tickets may prompt premium changes that may make certain companies more affordable than before.
Not only may things change on your end, but companies amend premium rates every year as an adjustment for underwriting gains or losses. An unexpected high level of claims can result in higher rates, while less frequent claims can produce lower-cost Explorer insurance rates.
To illustrate this example, the data below shows rates for the cheapest car insurance in Rhode Island for a 40-year-old male driver with no prior claims, no tickets, and good credit. When quoting prices based on his personal profile, USAA might offer the lowest car insurance rates in Rhode Island at $705 per year. This is $1,374 less than the average rate paid by Rhode Island drivers of $2,079. State Farm, Travelers, Amica, and Progressive are the rest of the best Rhode Island auto insurance companies.
The next chart shows rates after we give the driver from above a couple of claims, a lower credit rating, and a speeding citation. Since every car insurance company has their own process for filing rates in each state, analyzing rates may now show a different set of cheap Rhode Island auto insurance companies as shown below.
USAA now has the cheapest car insurance in Rhode Island with State Farm, Peerless, Travelers, and National Grange Mutual also being competitive. This example proves why it is crucial to compare many different companies when trying to get cheap car insurance quotes for a Ford Explorer.
Auto insurance prices can be determined by many things and can change substantially, so the best option when you last compared rates may now be wasting a lot of money. Use our FREE tool to compare quotes now!
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