Who Has the Cheapest Insurance for a Ford Explorer in Ohio?

When talking about auto insurance, the word cheap really should not be used anywhere in the article. It’s just reality that cheap auto insurance for a Ford Explorer does not exist. Don’t let that get you down, though, because we are going to show you some ways you can still get car insurance that is more affordable.

The chances of finding cheap coverage for a Ford Explorer in Ohio depends upon a very complex rating algorithm that uses multiple factors such as your marital status, your credit status, and your choice of deductibles. Drivers in Ohio pay approximately $610 per year to buy Ford Explorer insurance, but that cost is a ballpark figure based on rate data for a 50-year-old married male that wants full coverage including both comprehensive and collision and $250 physical damage deductibles.

But there is a good chance that you are not a 50-year-old male, maybe you are single instead of married, or maybe your Explorer is a different trim level than the example. Not everyone needs the same coverages, so the only way to find cheap auto insurance rates for your Ford is to do the rate comparisons yourself. Do a quick rate comparison now and you will receive rate quotes from top-rated car insurance companies in Ohio.

Insure Your Ford for Less

The trim level of your vehicle will be a contributing factor to the cost of coverage, so the price you will pay to insure a Explorer XLT 2WD model will be $64 cheaper than the price to insure the more well-appointed Explorer Limited AWD trim level, as shown below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific Ohio garaging location which can revise insurance rates considerably.

Finding out which company offers the cheapest insurance rates for a Ford Explorer will involve a bit more effort in order to find the lowest price quote. Every insurance company has a proprietary formula to establish rates, so we’ll go over the most competitive insurance companies in Ohio.

Find the Cheapest Auto Insurance for Your Explorer

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Utica National quotes some of the best car insurance rates in Ohio at around $647 a year. Erie, Allied, Frankenmuth, and USAA would also make the list of some of the cheapest Ohio car insurance companies.

In the rate table above, if you currently buy coverage from Frankenmuth and switched to Utica National, you could realize an annual savings of roughly $40. Drivers with USAA may save as much as $64 a year, and Travelers insureds might cut rates by $79 a year.

These policy prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific rating modification for a Ford Explorer. So the insurer that fits you best may not even be included in the list of companies shown earlier. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The diagram below illustrates how choosing a deductible can impact insurance costs when researching cheap insurance for a Ford Explorer. The rates are based on a married male driver, comp and collision included, and no other discounts are factored in.

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A 30-year-old driver could reduce rates by $216 a year by increasing from a $100 deductible up to a $500 deductible, or save $328 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates $648 every year by using higher deductibles when buying full coverage. When raising deductibles, it is important to have enough savings set aside to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

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

When shopping for car insurance, four companies to definitely compare rates with are Geico, State Farm, Progressive, and Allstate. The table below points out some of the different options and features that are available from each company.