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Who Has the Cheapest Insurance Quotes for a Ford Explorer in North Carolina?

Enter your North Carolina 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 12, 2019

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Your chances of finding the cheapest auto insurance for a Ford Explorer in North Carolina hinges on dozens of factors like whether the vehicle is new, if you have ever had a gap in coverage, and if you have tickets or violations. Drivers on average pay around $750 each year to insure an Explorer, but that rate is based on rate data for a 30-year-old married female that purchased comprehensive and collision coverage and $250 policy deductibles.

There’s a good chance you are not exactly 30 years old and possibly not even female, maybe you are single instead of married, or you need different physical damage deductibles. What seems to be a minor change in rating criteria can lead to a big change in how much insurance for a Ford Explorer costs.

Every policy is rated specifically for the driver, so the most reliable way to find cheap insurance prices for your Ford is to shop your policy around at every renewal.

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

Vehicle trim level impacts the annual cost of coverage, so the price you will pay to insure a Explorer XLT 2WD trim level will be $80 less expensive the cost to insure the more expensive Explorer Limited AWD model, as shown in the prices below.

Ford Explorer Insurance Rates in North Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $186 $262 $254 $16 $76 $794 $66
Explorer Eddie Bauer 2WD $186 $262 $254 $16 $76 $794 $66
Explorer XLT 4WD $186 $262 $254 $16 $76 $794 $66
Explorer XLT AWD $186 $262 $254 $16 $76 $794 $66
Explorer Eddie Bauer 4WD $210 $318 $254 $16 $76 $874 $73
Explorer Eddie Bauer AWD $210 $318 $254 $16 $76 $874 $73
Explorer Limited 2WD $210 $318 $254 $16 $76 $874 $73
Explorer Limited 4WD $210 $318 $254 $16 $76 $874 $73
Explorer Limited AWD $210 $318 $254 $16 $76 $874 $73
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific location which can alter price quotes noticeably.

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Shopping around for cheap auto insurance is tough enough, and determining which companies have the best car insurance rates for a Ford Explorer requires even more shopping around. Every car insurance company uses their own calculation for setting rates, so to begin we’ll rank the most competitive car insurance companies in North Carolina.

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

Cheapest auto insurance in North Carolina ranked by cost per year
Rank Company Cost Per Year
1 Progressive $632
2 Utica National $662
3 NC Farm Bureau $709
4 GEICO $720
5 Liberty Mutual $721
6 Penn National $725
7 Titan $751
8 State Farm $756
9 Auto-Owners $844
10 Allied $892
11 Travelers $900
12 National General $908
13 Erie $931
14 Peerless $962
15 Nationwide $1,031
16 Unitrin $1,032
17 MetLife $1,038
18 Encompass $1,063
19 Allstate $1,064
20 Safeco $1,076
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Progressive normally has some of the lowest car insurance rates in North Carolina at around $632 per year. Utica National, NC Farm Bureau, GEICO, and Liberty Mutual are also some of the lowest-priced North Carolina car insurance companies.

In the rate table above, if you are a policyholder with Utica National and switched to Progressive, you could realize yearly savings of upwards of $30. Insureds with NC Farm Bureau might save as much as $77 a year, and GEICO policyholders might lower prices by $88 a year.

It’s important to note that these policy prices are averages for all drivers and vehicles in North Carolina and and are not calculated with a specific rate factor for a Ford Explorer. So the car insurance company that is best for you may not even be featured in the rate chart shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

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

Liability only or full coverage

Finding the cheapest insurance for a Ford Explorer in North Carolina is probably important to the majority of vehicle owners, and one of the best ways to buy cheap insurance is to not insure for full coverage. The example below visualizes the comparison of car insurance costs with and without full coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.

As an average for all age groups, comprehensive and collision coverage on your policy costs $1,262 per year more than just insuring for liability. That amount may make you wonder when is the right time to remove full coverage. There is no definitive guideline to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

The illustration below illustrates how your choice of deductibles can raise or lower premium costs when getting quotes for cheap insurance for a Ford Explorer. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

As shown above, a 50-year-old driver could save $214 a year by increasing from a $100 deductible up to a $500 deductible, or save $328 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices $712 each year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will be required to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Geico, Progressive, Allstate, or State Farm: Who is best?

When comparing insurance for an Explorer in North Carolina, four of the larger companies to compare rates for are Geico, Progressive, Allstate, and State Farm. The next table compares pricing and service ratings, as well as optional policy coverages that are available.

Car Insurance Companies Compared
Geico Progressive Allstate State Farm
Claims Handling 3rd 4th 1st 2nd
Number of Discounts 2nd 4th 1st 3rd
Overall Cost 1st 3rd 4th 2nd
Client Satisfaction 1st 3rd 2nd 4th
Recommend by customers 87% 88% 86% 88%
A.M. Best financial rating A++ A+ A+ A++
Mechanical breakdown insurance Yes Yes No No
Uber and Lyft insurance Yes Yes Yes Yes
Usage-based insurance No Yes Yes Yes
Emergency roadside service Yes Yes Yes Yes
New car replacement coverage No No Yes No
Accident forgiveness coverage Yes Yes Yes No
Coverage in North Carolina Yes Yes Yes Yes
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