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

Enter your Oklahoma 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 16, 2019

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Your odds of finding the best cheap insurance for a Ford Explorer in Oklahoma depends upon a calculation that uses factors like miles driven annually, where your vehicle is garaged, and any prior driving citations you have received. Drivers in Oklahoma pay an average of $1,060 annually to insure their Explorer, but that is an approximation that uses rate data for a 30-year-old married female that purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.

The problem with using this number is the good chance you are not 30 and possibly not even female, possibly single instead of married, and there is a good chance that other rated drivers impact the rate. Even a minor change in rating variables or coverage information may result in significant differences in price quotes.

There is no perfect policy for every driver, so the most reliable method for finding the cheapest rates for your Ford is to just take the time to do a thorough rate comparison.

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

The specific model of Explorer will likely have an effect on price, so the price you will pay to insure a Explorer XLT 2WD trim level will be $90 cheaper than the cost to insure the high end Explorer Limited AWD trim level, as shown below.

Ford Explorer Insurance Rates in Oklahoma
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $208 $296 $458 $28 $136 $1,126 $94
Explorer Eddie Bauer 2WD $208 $296 $458 $28 $136 $1,126 $94
Explorer XLT 4WD $208 $296 $458 $28 $136 $1,126 $94
Explorer XLT AWD $208 $296 $458 $28 $136 $1,126 $94
Explorer Eddie Bauer 4WD $234 $360 $458 $28 $136 $1,216 $101
Explorer Eddie Bauer AWD $234 $360 $458 $28 $136 $1,216 $101
Explorer Limited 2WD $234 $360 $458 $28 $136 $1,216 $101
Explorer Limited 4WD $234 $360 $458 $28 $136 $1,216 $101
Explorer Limited AWD $234 $360 $458 $28 $136 $1,216 $101
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific zip code location which can alter coverage prices significantly.

Figuring out which company quotes the cheapest insurance rates for a Ford Explorer involves more time in order to find the best policy. Every insurance company uses their own method to set their prices, so let’s take a look at the insurance companies with the overall cheapest rates in Oklahoma.

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It’s important to know that Oklahoma insurance rates are impacted by many factors which can substantially change the policy premium. Improving your credit rating, moving to a different location, or getting a DUI can produce rate changes resulting in some rates now being more affordable than competitors.

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

Rankings for the cheapest car insurance companies in Oklahoma
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,166
2 USAA $1,196
3 The Hartford $1,319
4 GEICO $1,353
5 Safe Auto $1,419
6 Farmers $1,436
7 State Farm $1,536
8 Liberty Mutual $1,852
9 Travelers $1,925
10 OK Farm Bureau $2,018
11 Mercury $2,053
12 MetLife $2,147
13 Home State $2,149
14 Progressive $2,157
15 Shelter $2,173
16 Allstate $2,400
17 Safeco $5,158
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Oklahoma Farmers Union may offer some of the best car insurance rates in Oklahoma at around $1,166 each year. USAA, The Hartford, GEICO, and Safe Auto also are some of the most economical Oklahoma insurance companies.

As the example above demonstrates, if you are a customer of The Hartford and switched to Oklahoma Farmers Union, you could realize a yearly savings of about $153. Policyholders with GEICO may save as much as $187 a year, and Safe Auto policyholders might lower prices by $253 a year.

Remember that these premium estimates are averages across all drivers and vehicles and and are not calculated with a specific rating modification for a Ford Explorer. So the auto insurance company that fits your age and vehicle best may not even be featured in the rate chart shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

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

How to get discounts on Oklahoma insurance

Discounts on insurance for a Ford ExplorerCar insurance companies that sell the cheapest insurance for a Ford Explorer in Oklahoma may provide special discounts that may potentially lower prices by as much as 40% or more if you qualify for them. Popular insurance companies and the discounts they provide are included below.

  • Farm Bureau may have discounts that include good student, safe driver, driver training, 55 and retired, renewal discount, youthful driver, and multi-vehicle.
  • State Farm includes discounts for driver’s education, safe vehicle, anti-theft, Drive Safe & Save, good driver, and multiple autos.
  • Progressive discounts include multi-vehicle, multi-policy, good student, online signing, and homeowner.
  • Allstate may offer discounts for utility vehicle, economy car, eSmart discount, new car, premier discount, and safe driver.
  • Nationwide policyholders can earn discounts including good student, easy pay, Farm Bureau membership, business or organization, and accident-free.
  • MetLife offers premium reductions for multi-policy, claim-free, good student, accident-free, defensive driver, and good driver.

The illustration below shows the comparison of yearly insurance costs with and without discounts applied. Data assumes a male driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, accident-free, vehicle safety, multiple policy, multiple vehicle, and safe-driver discounts applied. When drivers qualify for the discounts, the average yearly reduction on insurance for a Ford Explorer is 28% or $779.

The information below demonstrates how deductibles can increase or decrease premium costs when researching cheap insurance for a Ford Explorer. The data is based on a married male driver, comp and collision included, and no discounts are applied.

A 50-year-old driver could save $386 a year by increasing from a $100 deductible up to a $500 deductible, or save $586 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could roll back prices up to $1,286 annually just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is important to have additional funds squirreled away to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Is the best company Allstate, Progressive, Geico, or State Farm?

When comparing car insurance, the companies with the most market share are Allstate, Progressive, Geico, and State Farm. All of them offer physical damage and liability coverage, but each has different options that add value to each policy. The table below shows some of the different options and features that may be available in Oklahoma.

Top Four Auto Insurance Companies Compared
Allstate Progressive Geico State Farm
Discounts Offered 1st 4th 2nd 3rd
Customer Satisfaction 2nd 3rd 1st 4th
Claims Handling 1st 4th 3rd 2nd
Overall Price 4th 3rd 1st 2nd
Rating based on usage Yes Yes No Yes
Rideshare insurance Yes Yes Yes Yes
Accident forgiveness Yes Yes Yes No
New car replacement coverage Yes No No No
Breakdown insurance No Yes Yes No
Roadside assistance Yes Yes Yes Yes
Where you can buy Only buy from Allstate agents Buy online or from an independent agent From a Geico agent or online Only from State Farm agents
Number of agents 11,000+ 30,000+ 150+ 18,000+
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