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Cheapest Insurance Quotes for a Ford Explorer in Nebraska

Enter your Nebraska 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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Ford Explorer insuranceWhen talking about car insurance, the words “cheap” or “affordable” really should not be used anywhere in the article. Notwithstanding, cheap auto insurance for a Ford Explorer is pretty hard to find. Don’t get your dauber down, because we can show you some ways you can still get auto insurance that won’t break your budget.

Your chances of buying cheap insurance for a Ford Explorer in Nebraska is contingent on a complex formula that factors things like when you were born, whether you have good credit, and whether or not you are a good driver. Drivers in Nebraska pay on average $1,030 per year to insure a Ford Explorer, but that is a valuation using rating data for a 50-year-old single male that includes full physical damage coverage and $100 deductibles.

The problem with using this number is the good chance you aren’t exactly 50 years old or even a male, possibly married instead of single, or maybe you had a chargeable driving offense. Just a minor difference in rating factors can create big changes in the amount insurance costs for a Ford Explorer.

Every policy is rated specifically for the driver, so your best chance at finding cheap insurance rates for your Ford is to take your time and compare rates from as many companies as possible. Quotes are free and easy and you will receive prices from some of the most affordable companies available.

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

Vehicle trim level will have an impact the coverage cost, so the price you pay to insure a Explorer XLT 2WD trim level will be $114 less than the price to insure the more expensive Explorer Limited AWD model, as shown in the chart below.

Ford Explorer Insurance Rates in Nebraska
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $222 $394 $338 $20 $102 $1,076 $90
Explorer Eddie Bauer 2WD $222 $394 $338 $20 $102 $1,076 $90
Explorer XLT 4WD $222 $394 $338 $20 $102 $1,076 $90
Explorer XLT AWD $222 $394 $338 $20 $102 $1,076 $90
Explorer Eddie Bauer 4WD $250 $480 $338 $20 $102 $1,190 $99
Explorer Eddie Bauer AWD $250 $480 $338 $20 $102 $1,190 $99
Explorer Limited 2WD $250 $480 $338 $20 $102 $1,190 $99
Explorer Limited 4WD $250 $480 $338 $20 $102 $1,190 $99
Explorer Limited AWD $250 $480 $338 $20 $102 $1,190 $99
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in vehicle garaging location which can change premium rates significantly.

Finding the right insurance company is difficult considering how many choices you have in Nebraska. The company rank data shown below can help you analyze which insurers you want to consider comparing prices from. These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not taken into consideration for these rankings.

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Top 10 Major Auto Insurance Companies Overall in Nebraska

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top Companies for Ford Explorer Insurance in Nebraska

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

How to get discounts on Nebraska car insurance rates

Save on auto insurance for an Explorer in NebraskaInsurance companies that provide the cheapest insurance for a Ford Explorer in Nebraska may also give you rate discounts that could reduce prices by 35% or more if you qualify. Companies and their possible discounts can be read below.

  • Mercury Insurance offers premium reductions for accident-free, low natural disaster claims, annual mileage, multi-car, and location of vehicle.
  • Farmers Insurance may have discounts that include homeowner, electronic funds transfer, multi-car, distant student, teen driver, and switch companies.
  • Farm Bureau policyholders can earn discounts including driver training, good student, safe driver, 55 and retired, and youthful driver.
  • State Farm includes discounts for good driver, safe vehicle, anti-theft, defensive driving training, accident-free, Drive Safe & Save, and multiple policy.
  • Allstate has savings for teenSMART discount, good student, EZ pay plan discount, safe driver, and anti-lock brakes.
  • GEICO discounts include daytime running lights, emergency military deployment, military active duty, anti-theft, and anti-lock brakes.

The information below compares insurance premiums with and without discounts applied to the policy premium. The costs are based on a female driver, no violations or claims, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple policy, accident-free, defensive driving course, vehicle safety, and marriage discounts applied. When drivers qualify for the discounts, the amount saved on auto insurance for a Ford Explorer is 28% or $449.

Which car insurance company is best?

When it comes to buying insurance for an Explorer, four companies you’ll want quotes from are Geico, State Farm, Allstate, and Progressive. The data below rates some of the different options and features offered by each one.

Geico, State Farm, Allstate, and Progressive Compared
Geico State Farm Allstate Progressive
Claims Handling 3rd 2nd 1st 4th
Overall Satisfaction 1st 4th 2nd 3rd
Overall Price 1st 2nd 4th 3rd
Policy Discounts 2nd 3rd 1st 4th
U.S. market share 11.9% 18.3% 9.7% 9.1%
A.M. Best rating A++ A++ A+ A+
Standard & Poor’s financial rating AA+ AA AA- AA
Mechanical breakdown insurance Yes No No Yes
New car replacement No No Yes No
Uber and Lyft insurance Yes Yes Yes Yes
Usage-based rating No Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
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