Buying the best cheap insurance for a Ford Explorer relies on many factors such as the safety rating for your Explorer, your profession, and any prior driving offenses you have. Drivers in Washington will pay on average $824 a year for Explorer insurance, but that figure is an estimate using a 40-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you are not 40 and maybe not even a female, maybe you are married instead of single, and maybe your Explorer just needs liability-only coverage. Having the smallest difference in rating variables could end up with a large change in how much insurance for a Ford Explorer costs.
Not every driver requires the same auto insurance coverages, so the only real way to find the cheapest rates for your Ford is to compare as many rates as you can.
Your Ford’s trim level will likely have an effect on the cost of insurance, so the cost to insure a Explorer XLT 2WD model will cost $64 less than the cost to insure the more well-appointed Explorer Limited AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Explorer Eddie Bauer 2WD | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Explorer XLT 4WD | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Explorer XLT AWD | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Explorer Eddie Bauer 4WD | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
| Explorer Eddie Bauer AWD | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
| Explorer Limited 2WD | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
| Explorer Limited 4WD | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
| Explorer Limited AWD | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific Seattle garaging location which can decrease or increase premiums noticeably.
Buying reasonably-priced auto insurance is not easy, and deciding which insurers offer the most affordable car insurance rates for a Ford Explorer involves more quotes for comparison. Each insurer uses their own method for establishing rates, so first let’s look at the rankings for the most affordable car insurance companies in Seattle.
It’s important to understand that Seattle car insurance rates are impacted by many factors which can substantially change the cost of coverage. Events like turning one year older, buying a higher-value vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition.
Best Insurance Companies for Your Explorer
Capital has some of the lowest car insurance rates in Seattle at around $761 per year. This is $651 less than the average premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the most economical Seattle, WA auto insurance companies.
In this example, if you are currently insured with Grange and switched to Capital, you could see yearly savings of in the neighborhood of $86. Policyholders with Nationwide may save as much as $200 a year, and PEMCO insureds might reduce prices by as much as $203 a year.
Bear in mind that those estimates are averages for all drivers and vehicles in Washington and do not take into consideration a vehicle location for a Ford Explorer. So the car insurance company that has the lowest price for you may not even be in the top 25 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The illustration below highlights how deductible choice can impact insurance premiums when researching cheap insurance for a Ford Explorer. The data assumes a married female driver, full coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $288 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $438 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save $620 or more by selecting a higher deductible. When increasing deductibles, it is essential to have enough savings set aside to enable you to cover the extra out-of-pocket expense associated with higher deductibles.
Why you should be shopping around
Seattle, WA car insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Improving your credit score, having a claim, or getting a speeding ticket can trigger changes in premium resulting in some rates now being cheaper than competitors.
Not only may your risk profile change, but auto insurance companies change prices as needed in order to be able to pay unexpected claims. A period of increased losses may result in increased policy costs, while a profitable period may result in lower-cost Explorer insurance rates.
To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Seattle, WA for a 30-year-old male driver with a good driving record, no prior claims, and solid credit. If we compare prices based on his current situation, Capital quotes the most affordable car insurance rates in Seattle at $1,041 each year. This is $371 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are also included in the top five cheapest Seattle, WA auto insurance companies.
Let’s now give the driver from the above example an accident surcharge, a lower credit rating, and a stop sign violation. Since each auto insurer uses a different method for determining rates, comparing insurance quotes most likely will result in a different set of cheap Seattle auto insurance companies as shown below.
Mutual Enumclaw now has the cheapest insurance rate in Seattle with California Casualty, USAA, Chubb, and State Farm also being competitive. This example demonstrates why it is crucial to compare rates to get the cheapest car insurance rates for a Ford Explorer. Rates are determined by many different factors and change dramatically, so the cheapest company two years ago may now be quite expensive.
Ideas for finding more affordable car insurance for a Ford Explorer
The list below shows a few money-saving suggestions that can help drivers find low-cost auto insurance.
- Avoid getting tickets or violations
- Better credit scores save money
- Buy a safer vehicle
- Avoid accidents and claims
- Increase your policy deductibles
- Compare rates often to find the best deal
That final tip is remarkably valuable, as we hit on in this write-up. Rates fluctuate constantly, so don’t be unwilling to buy from a different company if a lower price can be found. Loyalty to a specific company is fine, but it’s not a good idea if that inflexibility results in costing you a wad of cash every year. In just a couple of minutes you could compare rates to find cheaper insurance for a Ford Explorer in Seattle.
The Seattle, WA, insurance agents below can aid you in deciding which is the best policy, as many consumers aren’t sure which coverage to buy and prefer to get some professional advice when trying to find the best insurance rates for a Ford Explorer. It can be hard to find the best coverage on your own, and getting advice from a licensed agent can bring peace of mind knowing you have decent coverage if you have a claim. To find a Seattle insurance agent in your neighborhood, click the link after the list.
- Sav-On Insurance
9614 17th Ave SW – Seattle, WA 98106 – (206) 767-7444 - Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 - Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 - Greg Nunn – State Farm Insurance Agent
200 Roy St #102 – Seattle, WA 98109 – (206) 284-9700 - Chris Gibbens – State Farm Insurance Agent
607 W McGraw St – Seattle, WA 98119 – (206) 331-4864