Cheap Insurance Quotes for a Ford Explorer in Florida
The chances that you’ll find cheap auto insurance for a Ford Explorer in Florida is dependent upon lots of different factors like miles driven annually, the likelihood of your vehicle being stolen, and any prior driving offenses you have. Drivers in Florida pay an average rate of $1,440 each year to buy insurance for a Ford Explorer, but that figure is an approximation that uses rate data for a 40-year-old single male driver that has comprehensive and collision coverage and $250 policy deductibles.
There is a very good chance that you are not a 40-year-old male, married instead of single, or maybe you just want to insure for liability only. This demonstrates why the best method for finding cheap insurance prices for your Ford is to put in the effort to do a thorough rate comparison. Quotes are free and easy and you can get rates from top-rated car insurance companies that insure vehicles in Florida.
The trim level of your Ford will most likely have an effect on price, so the price to insure a Explorer XLT 2WD trim level will be $150 cheaper than the cost to insure the more expensive Explorer Limited AWD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$316||$514||$504||$30||$152||$1,516||$126|
|Explorer Eddie Bauer 2WD||$316||$514||$504||$30||$152||$1,516||$126|
|Explorer XLT 4WD||$316||$514||$504||$30||$152||$1,516||$126|
|Explorer XLT AWD||$316||$514||$504||$30||$152||$1,516||$126|
|Explorer Eddie Bauer 4WD||$356||$624||$504||$30||$152||$1,666||$139|
|Explorer Eddie Bauer AWD||$356||$624||$504||$30||$152||$1,666||$139|
|Explorer Limited 2WD||$356||$624||$504||$30||$152||$1,666||$139|
|Explorer Limited 4WD||$356||$624||$504||$30||$152||$1,666||$139|
|Explorer Limited AWD||$356||$624||$504||$30||$152||$1,666||$139|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease insurance rates greatly.
Figuring out which company has the best car insurance rates for a Ford Explorer involves a little more work than just comparing a company or two. Each auto insurer has their own unique process to determine premium rates, so we will examine the car insurance companies that tend to be cheaper in Florida.
Keep in mind that Florida car insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Simply having another birthday, buying a different home, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being more affordable than the competition.
Find the Best Cheap Insurance for Your Explorer
|Rank||Company||Cost Per Year|
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USAA has some of the cheapest car insurance rates in Florida at around $986 a year. Electric, Amica, Progressive, and Travelers are also some of the cheapest Florida insurance companies.
In the above rates, if you are a customer of Electric and switched to USAA, you might see annual savings of in the neighborhood of $726. Customers with Amica might save as much as $726 a year, and Progressive customers might reduce prices by as much as $789 a year.
To get a quick, customized rate comparison, click here to get quotes or visit any of the low-priced companies below.
Bear in mind that those policy rates are averages for all insureds and vehicles and do not take into consideration a specific rate value for a Ford Explorer. So the car insurance company that fits your age and vehicle best may not even be included in the list of companies shown earlier. That helps illustrate why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
The diagram below demonstrates how choosing different deductibles can raise or lower insurance costs when searching for cheap insurance for a Ford Explorer. The costs are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower rates by $336 a year by increasing from a $100 deductible up to a $500 deductible, or save $510 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could roll back prices as much as $1,002 or even more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is important to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Safe drivers pay less for car insurance
The easiest way to get cheap insurance for a Ford Explorer in Florida is to be a careful driver and have a clean driving record. The illustration below highlights how speeding tickets and accident claims can affect car insurance costs for different ages of insureds. The information is based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,236. Add in one speeding ticket and the average cost jumps to $2,568, an increase of $331 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford Explorer increases to an average of $3,490. That’s an increase of $1,254, or $105 per month, just for not maintaining a clean driving record!
Which car insurance company is best?
If you are looking for the best insurance for an Explorer in Florida, probably the best companies to start with are Progressive, Allstate, State Farm, and Geico. If you put them all together, they insure almost 50% of all policies written in the United States. The next table shows pricing and service ratings, plus some optional coverages offered by each one.
|Customers who recommend||88%||86%||88%||87%|
|A.M. Best rating||A+||A+||A++||A++|
|New car replacement||No||Yes||No||No|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
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How to find low-cost auto insurance for a Ford Explorer
Below you’ll find a few thrifty ideas that can help drivers get cheap auto insurance.
- Vehicles with safetly features generally cost less to insure
- Increase your credit rating
- Prevent rate increases by staying accident-free
- Buying car and homeowners insurance together can save money
- Do not waste money insuring older vehicles for full coverage
- Compare rates regularly to ensure the best deal
The last suggestion is especially necessary, as we hit on in the prior article. Insurance rates fluctuate constantly, so drivers shouldn’t hesitate to buy a policy from a new company if you find a cheaper price. Having brand loyalty is commendable, but we do not recommend it if it’s costing you thousands of dollars over the life of your policy. It only takes a couple minutes to compare rates and find cheaper insurance for a Ford Explorer.
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