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Who Has the Cheapest Insurance for a Ford Explorer in Maine?

Enter your Maine 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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Since we’re writing about auto insurance, the words “cheap” or “affordable” should not appear as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Ford Explorer can be hard to find. But fear not, because we will tell you how you can find car insurance that is cheaper than your current rate.

The chances that you’ll find cheaper insurance for a Ford Explorer in Maine depends upon a very complex rating algorithm that uses multiple factors such as whether you use your Explorer for business use, if you are currently insured, and violations on your driving record. Drivers pay around $500 per year to insure a Ford Explorer, but that policy rate is an estimate calculated using a 50-year-old single male driver that has full comprehensive and collision coverage and $1,000 policy deductibles.

The problem with using this number is the good chance you aren’t exactly 50 years old or even a male, married instead of single, or maybe you had a chargeable driving offense. What appears to be a small change in rating variables can result in a big discrepancy in price quotes.

Insurance is an individual thing, so your best shot at finding the cheapest rates for your Ford is to do your own rate comparisons. In just a few minutes you will receive prices from the best companies that insure vehicles in Maine.

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

The specific model of Explorer tends to have a direct impact on the coverage cost, so the rate you will pay to insure a Explorer XLT 2WD model will be $40 less than the cost to insure the fancier Explorer Limited AWD trim level, as shown in the chart below.

Ford Explorer Insurance Rates in Maine
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $84 $142 $230 $14 $68 $538 $45
Explorer Eddie Bauer 2WD $84 $142 $230 $14 $68 $538 $45
Explorer XLT 4WD $84 $142 $230 $14 $68 $538 $45
Explorer XLT AWD $84 $142 $230 $14 $68 $538 $45
Explorer Eddie Bauer 4WD $94 $172 $230 $14 $68 $578 $48
Explorer Eddie Bauer AWD $94 $172 $230 $14 $68 $578 $48
Explorer Limited 2WD $94 $172 $230 $14 $68 $578 $48
Explorer Limited 4WD $94 $172 $230 $14 $68 $578 $48
Explorer Limited AWD $94 $172 $230 $14 $68 $578 $48
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific zip code location which can decrease or increase price quotes noticeably.

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Figuring out which companies have the lowest-priced insurance rates for a Ford Explorer takes more work than just comparing rates from one or two companies. Each insurer has a different formula for establishing rates, so let’s look at the rankings for the most affordable insurance companies in Maine.

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

Rankings for the cheapest Maine auto insurance companies
Rank Company Cost Per Year
1 Travelers $606
2 USAA $641
3 Vermont Mutual $693
4 The Hartford $720
5 Countryway Insurance $720
6 Patriot $738
7 MetLife $770
8 Concord $856
9 OneBeacon $859
10 MMG Insurance $887
11 Progressive $957
12 State Farm $981
13 Peerless $992
14 Liberty Mutual $1,125
15 GEICO $1,229
16 Allstate $1,318
17 Bristol West $1,651
18 Sentry $2,002
19 Hanover $2,068
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Travelers generally has some of the best car insurance rates in Maine at around $606 annually. USAA, Vermont Mutual, The Hartford, and Countryway Insurance also make the cut as some of the best Maine insurance companies.

As the example above demonstrates, if you currently buy coverage from Vermont Mutual and switched to Travelers, you may see a yearly savings of about $87. Policyholders with The Hartford could save as much as $114 a year, and Countryway Insurance policyholders might cut rates by $114 a year.

To find out how much you can save, click here to start your custom quote or quote prices from the following companies.

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

It’s important to note that these premiums are averaged for all drivers and vehicles in Maine and are not factoring in a specific rating modification for a Ford Explorer. So the insurer that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own specific driver information and vehicle.

The diagram below illustrates how choosing a deductible can affect annual premium costs when trying to find cheap insurance for a Ford Explorer. Data assumes a single female driver, full coverage, and no discounts are taken into consideration.

A 40-year-old driver could save $202 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $304 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices up to $506 or even more just by choosing higher deductibles. When increasing deductibles, it will be required to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How accidents and violations affect rates

In a perfect world, the best way to receive the best insurance rates in Maine for an Explorer is to drive attentively and avoid accidents and keep your driving record clean. The chart below highlights how traffic violations and at-fault collisions increase insurance costs for each age group. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of auto insurance in Maine per year with a clean driving record and no accidents is $903. Add in two speeding tickets and the average cost jumps to $1,275, an increase of $373 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance for a Ford Explorer increases to an average of $1,647. That’s an increase of $744, or $62 per month, just for not driving carefully!

Company comparison: Progressive vs Allstate vs State Farm vs Geico

If you want the best insurance for an Explorer in Maine, four of the best places to start are Progressive, Allstate, State Farm, and Geico. Combined they have 48.5% of all car insurance policies written. The table below ranks ratings for price, service, and claims, in additional to some of the optional coverages that are available for customers.

Top Four Car Insurance Companies Compared
Progressive Allstate State Farm Geico
Client Satisfaction 3rd 2nd 4th 1st
Claims Handling 4th 1st 2nd 3rd
Policy Discounts 4th 1st 3rd 2nd
Policy Cost 3rd 4th 2nd 1st
Percent of customers who recommend 88% 86% 88% 87%
New car replacement coverage No Yes No No
Coverage for ridesharing Yes Yes Yes Yes
Breakdown insurance Yes No No Yes
Usage-based insurance Yes Yes Yes No
Accident forgiveness coverage Yes Yes No Yes
Roadside assistance Yes Yes Yes Yes
Offered in Maine Yes Yes Yes Yes
Where to buy Online or from independent agents Allstate-only agents Can only buy from State Farm agents Both online and from Geico agents
Number of agents 30,000+ 11,000+ 18,000+ 150+
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How to find the cheapest insurance for a Ford Explorer in Maine

Here are some of the better penny-pinching suggestions that can help Maine drivers quote the cheapest auto insurance.

  • Just one traffic violation will increase your rates
  • Accidents can significantly increase rates
  • Choose a safer vehicle and pay lower rates
  • Older vehicles may not need full coverage
  • Increase your physical damage deductibles
  • Improve your credit rating
  • Comparison shop at least every other year

That last piece of advice is extremely necessary, as we discussed in the prior article. Insurance prices fluctuate constantly, so you should be ready to switch to a new company if a cheaper price is available.

Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. Take a few minutes and compare prices to find cheaper car 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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