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Cheapest Insurance for a Ford Explorer in Illinois

Enter your Illinois zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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.

Ford Explorer Insurance Rates in Illinois
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.

Top Auto Insurance Companies for a Ford Explorer
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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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

Cheaper Illinois auto insurance for an ExplorerInsurance 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.

Auto Insurance Discounts for Popular Insurance Companies
Discount Geico Allstate State Farm Progressive Nationwide Liberty Mutual
Bundled policies Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No Yes
Passive restraint Yes Yes Yes No Yes Yes
New car No Yes Yes No Yes No
Safe driver Yes Yes Yes Yes Yes No
Defensive driver Yes Yes Yes Yes Yes No
Low miles No Yes Yes Yes Yes Yes
Armed forces Yes No Yes Yes No No
Affinity/occupation Yes No No No Yes Yes
Paid in full Yes Yes No Yes Yes Yes
Paperless billing Yes Yes No Yes Yes Yes
Customer loyalty No No Yes Yes Yes No
Early sign-up No Yes No No Yes No
Smart student Yes Yes Yes Yes Yes Yes
Distant student No Yes Yes Yes Yes Yes
Own a home No No No Yes No No
Use seat belts Yes No No No No No
Quote online No No No Yes No No
Teen driver No No No Yes No Yes
Government employee 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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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