Cheapest Insurance Quotes for a Ford Explorer in Iowa
Enter your Iowa zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 8, 2019
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Our staff writers always rib each other than when writing about auto insurance, the word “cheap” really shouldn’t be used anywhere to describe car insurance prices. Be that as it may, cheap car insurance for a Ford Explorer does not exist. But don’t let us ruin your dream, because we are going to tell you how you can find coverage that doesn’t break your budget.
Your ability to find cheap car insurance for a Ford Explorer in Iowa depends upon many rating factors such as how you use your vehicle, your profession, and if you have any chargeable driving offenses. Drivers on average pay approximately $650 a year to insure an Explorer, but that figure is an approximation based upon a 40-year-old married male driver who needs full coverage and $500 physical damage deductibles.
It’s more than likely that you’re not a 40-year-old male, single instead of married, or maybe you rent instead of own your home. The different assumptions illustrate why your best shot at finding the cheapest rates for your Ford is to put in the effort and compare rates.
The trim level of your Explorer tends to impact the cost of insurance, so the rate you pay to insure a Explorer XLT 2WD will cost $60 less than the insurance cost for the fancier Explorer Limited AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$142||$198||$256||$16||$76||$688||$57|
|Explorer Eddie Bauer 2WD||$142||$198||$256||$16||$76||$688||$57|
|Explorer XLT 4WD||$142||$198||$256||$16||$76||$688||$57|
|Explorer XLT AWD||$142||$198||$256||$16||$76||$688||$57|
|Explorer Eddie Bauer 4WD||$160||$240||$256||$16||$76||$748||$62|
|Explorer Eddie Bauer AWD||$160||$240||$256||$16||$76||$748||$62|
|Explorer Limited 2WD||$160||$240||$256||$16||$76||$748||$62|
|Explorer Limited 4WD||$160||$240||$256||$16||$76||$748||$62|
|Explorer Limited AWD||$160||$240||$256||$16||$76||$748||$62|
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle location which can modify prices significantly.
Determining which company offers the cheapest auto insurance rates for a Ford Explorer calls for a little more sweat in order to find the most economical policy. Every insurance company has a proprietary formula for setting prices, so we’ll go over the auto insurance companies that tend to have lower prices in Iowa.
|Rank||Company||Cost Per Year|
|9||Farm Bureau Mutual||$976|
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USAA may have some of the most affordable car insurance rates in Iowa at around $662 a year. Partners Mutual, Western National, Allied, and Hastings Mutual also make the cut as some of the cheapest Iowa insurance companies.
In this example, if you currently have coverage with Allied and switched to USAA, you might achieve yearly savings of in the neighborhood of $149. Insureds with Hastings Mutual could save as much as $209 a year, and Nationwide customers might realize rate reductions of up to $254 a year.
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Understand that those policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Ford Explorer. So the insurer that is best suited for you may not even be shown in the above rate chart. That underscores the importance of why you need to get auto insurance quotes using your own individual information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Rate difference between full and liability-only coverage
Finding the cheapest insurance for a Ford Explorer in Iowa is the goal of the majority of drivers, and one way to find cheaper insurance is to not buy full coverage. The example below compares insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Iowa. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $1,263 per year more than insuring for liability only. At some point, about every driver wonders if you should buy full coverage. There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your vehicle’s book value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $9,500 after paying your deductible. If you are currently paying more than $950 annually for full coverage, then it might be time to buy liability only.
The chart below illustrates how your deductible choice can influence annual premium costs when trying to find cheap insurance for a Ford Explorer. The prices are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could save $254 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $386 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut $828 every year by selecting a higher deductible.
If you make the decision to raise deductibles, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Which major car insurance company is best?
If you want the best insurance for an Explorer in Iowa, the companies with the most market share are Allstate, Geico, Progressive, and State Farm. If you combine them together, they insure almost 50% of the entire U.S. market share. The data below breaks down price and claims rank as well as some different options that are available for customers.
|Handling of Claims||1st||3rd||4th||2nd|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|New car replacement coverage||Yes||No||No||No|
|Rating based on usage||Yes||No||Yes||Yes|
|Coverage in Iowa||Yes||Yes||Yes||Yes|
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