Cheap Insurance Quotes for a Ford Explorer in Pennsylvania

Our content editors always give us grief that when writing about car insurance, the words cheap or affordable should not appear anywhere to describe car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Explorer can be difficult to find. But don’t despair, because we are going to tell you how you can still find and buy car insurance that is cheaper than what you have now.

Your chances of buying affordable insurance for a Ford Explorer in Pennsylvania hinges on a complex equation that considers factors such as whether you are married or single, your address, and blemishes on your driving record. Pennsylvania drivers will pay on average $880 per year to insure their Explorer, but that rate is that uses rate data for a 30-year-old married female driver with full comprehensive and collision coverage and $500 policy deductibles.

It’s more than likely that you are not a 30-year-old female, possibly single instead of married, or maybe your Pennsylvania zip code is rated cheaper than the example. There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap insurance rates for your Ford is to quote often and with as many companies as possible.

Cheapest Ford Explorer Insurance Rates

The trim level of your vehicle will be a contributing factor to the insurance rate, so the price to insure a Explorer XLT 2WD will cost $86 less than the price to insure the higher-end Explorer Limited AWD model, as shown below.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can raise or lower premium rates significantly.

Insuring your vehicle with a high-quality company can be difficult considering how many different companies insure vehicles in Pennsylvania. The information shown below may help you select which auto insurance companies you want to consider comparing rates with. The ratings below are only comprised of companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Large Car Insurance Companies in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top Companies for Ford Explorer Insurance in Pennsylvania

Safe drivers Pennsylvania pay cheaper rates

A great way to enjoy cheap insurance for a Ford Explorer in Pennsylvania is to be a safe driver and avoid at-fault accidents and violations. The diagram below demonstrates how speeding tickets and fender-benders impact insurance costs for different age groups of insureds. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

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The data in the chart shows the average cost of an auto insurance policy in Pennsylvania per year with no accidents or violations is $1,871. Get written up for one speeding ticket and the average cost surges to $2,108, an increase of $237 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Ford Explorer increases to an average of $4,222. That’s an increase of $2,350, or $196 per month, just for being a careless driver!

Find cheap insurance for a Ford Explorer in Pennsylvania

The list below summarizes some of the recommended money-saving suggestions that can help Pennsylvania drivers locate low-cost car insurance.

• Bundle car and home insurance and save money
• Good credit can help you save money
• Raise deductibles
• Try paying for small claims out-of-pocket
• At-fault accidents can raise rates significantly
• Serious violations like DUI or reckless driving can increase rates dramatically
• Shop around for lower rates once a year

The last tip is notably critical, as was noted in this piece. Prices in Pennsylvania go up and down frequently, so don’t be unwilling to switch carriers if a more affordable price is available. Loyalty to a specific company is fine, but it’s not a great idea if that devotedness results in you overpaying hundreds of dollars year after year. If you have a few minutes, compare rates and find cheaper insurance for a Ford Explorer.