Cheapest Insurance for a Ford Explorer in Illinois
Enter your Illinois zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 7, 2019
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The chances of buying cheaper car insurance for a Ford Explorer in Illinois depends on an enormous amount of rating factors like whether you are male or female, the size of your vehicle, and violations on your driving record. Drivers pay an average of $890 every 12 months to insure their Explorer, but that policy rate is a ballpark figure based on rate data for a 30-year-old single female driver who needs full physical damage coverage and $500 physical damage deductibles.
More than likely, you are not 30 years old and maybe not even female, married instead of single, and there is a good chance that other rated drivers impact the rate. There is no “one size fits all” policy, so your best shot at finding the cheapest rates for your Ford is to just take the time to compare rates yourself.
The trim level of your Explorer tends to have a direct effect on the insurance rate, so the rate you pay to insure a Explorer XLT 2WD will be $84 cheaper than the cost to insure the higher-end Explorer Limited AWD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$182||$278||$352||$20||$106||$938||$78|
|Explorer Eddie Bauer 2WD||$182||$278||$352||$20||$106||$938||$78|
|Explorer XLT 4WD||$182||$278||$352||$20||$106||$938||$78|
|Explorer XLT AWD||$182||$278||$352||$20||$106||$938||$78|
|Explorer Eddie Bauer 4WD||$206||$338||$352||$20||$106||$1,022||$85|
|Explorer Eddie Bauer AWD||$206||$338||$352||$20||$106||$1,022||$85|
|Explorer Limited 2WD||$206||$338||$352||$20||$106||$1,022||$85|
|Explorer Limited 4WD||$206||$338||$352||$20||$106||$1,022||$85|
|Explorer Limited AWD||$206||$338||$352||$20||$106||$1,022||$85|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in Illinois location which can change coverage rates considerably.
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Choosing the top company can be rather challenging considering how many choices there are in Illinois. The information displayed below could help you analyze which providers you want to consider when comparing rate quotes. These rankings include companies that insure vehicles across America, so smaller companies that only insure vehicles in Illinois are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability-only
Finding the cheapest insurance for a Ford Explorer in Illinois is important to most people, and one common way to save on the cost of insurance is to not pay for full coverage. The information below illustrates the difference between insurance prices with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $250 deductibles, drivers are single, and no discounts are applied.
If all age groups are averaged, full coverage costs an extra $1,662 per year over having just liability coverage. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no set guideline of when to stop paying for full coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
Discounts on the cheapest insurance for a Ford Explorer in Illinois
Insurance providers that offer quotes for a Ford Explorer may provide premium discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. A few popular companies and a summarized list of policyholder discounts can be read below.
|Discount||Geico||Allstate||State Farm||Progressive||Nationwide||Liberty Mutual|
|Paid in full||Yes||Yes||No||Yes||Yes||Yes|
|Own a home||No||No||No||Yes||No||No|
|Use seat belts||Yes||No||No||No||No||No|
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The information below illustrates the comparison of annual premium costs with and without discounts applied. The premiums are based on a male driver, no accidents or driving violations, Illinois state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, accident-free, marriage, claim-free, safe-driver, and passive restraint discounts applied. When discounts are factored in, the average amount saved on auto insurance for a Ford Explorer is 38% or $776.
How to find the cheapest insurance for a Ford Explorer in Illinois
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help Illinois drivers buy more affordable coverage.
- The safer your car, the less it costs to insure
- Improve your credit rating
- Prevent rate increases by staying accident-free
- Raise your physical damage coverage deductibles
- Keep your driving record clean
- Don’t waste money on full coverage for older vehicles
- Look for cheaper rates once a year by shopping around
The last suggestion is incredibly necessary, as we discussed in this piece. Rates go up and down frequently, so don’t be hesitant to switch companies if a more affordable price is available. Loyalty to a specific company is fine, but we do not recommend it if that loyalty ends up costing thousands of dollars over several years. If you have a few minutes, compare prices to find cheaper auto insurance for a Ford Explorer.
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