Cheapest Insurance for a Ford Explorer in Washington

Your chances of buying affordable insurance for a Ford Explorer in Washington is dependent upon a calculation that uses factors such as how far you drive to work, the likelihood of vehicle theft, and if you have a clean driving record. Drivers pay an average rate of $700 each year to buy Ford Explorer insurance, but that price is that uses rate data for a 50-year-old married male driver who requires full physical damage coverage and $500 physical damage deductibles.

There is a really good chance that you are not 50 and possibly not even male, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Even a slight change in quote information could end up in a significant change in the cost of a policy.

Every driver has different characteristics, so your best shot at finding cheap auto insurance rates for your Ford is to make a habit of regularly comparing rates from other companies. In just a couple of minutes you will get price quotes from some of the best insurers that sell coverage in Washington.

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The trim level of your vehicle impacts the cost of insurance, so the cost to insure a Explorer XLT 2WD model will cost $68 less than the insurance cost for the fancier Explorer Limited AWD model, as shown below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in garaging location in Washington which can increase or decrease premiums significantly.

Finding dependable, low-priced auto insurance is tough enough, and determining which companies have the most affordable auto insurance rates for a Ford Explorer will take even more work. Every auto insurer uses their own formula to determine rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Washington.

It’s important that readers know that Washington auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Events such as a birthday, having a teenage driver, or getting a driving violation can cause premium changes that can now make some companies way too expensive in comparison to the competition.

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Capital quotes some of the best car insurance rates in Washington at around $761 each year. Grange, PEMCO, Nationwide, and Travelers also rank well as some of the cheaper Washington car insurance companies.

As shown in the rates above, if you currently have coverage with Nationwide and switched to Capital, you could earn annual savings of approxmiately $229. Customers with Travelers might save as much as $237 a year, and Mutual Enumclaw policyholders might cut rates by $262 a year.

These rates are averages for all drivers and vehicles and and are not calculated with a specific rate factor for a Ford Explorer. So the insurer that fits your age and vehicle best may not even be in the rate chart shown above. That affirms the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

Violations and accidents raise rates

The best way to maintain the most affordable auto insurance rates for an Explorer is to drive attentively and avoid accidents and traffic violations. The information below illustrates how violations and fender-benders drive up insurance premiums for different age groups. The information is based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

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The data charted above shows the average cost of auto insurance in Washington per year with no accidents and a clean driving record is $1,450. Get one speeding ticket and the average cost surges to $1,685, an increase of $236 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance for a Ford Explorer increases to an average of $2,344. That’s an increase of $894, or $75 per month, just for not being more responsible behind the wheel!

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

When researching insurance for an Explorer in Washington, four of the best places to start are Progressive, Geico, Allstate, and State Farm. When added together, they insure about 50% of the entire U.S. market share. They all have a distinct set of features and optional coverages that may influence your buying decision. The following table rates some of the different options that may be available in your state.