Cheap Insurance for a Ford Explorer in Indiana

Finding the best cheap coverage for a Ford Explorer in Indiana depends on many rating criteria like the amount of driving experience you have, if you currently have coverage, and your motor vehicle report. Drivers in Indiana on average will pay $730 each year to insure their Explorer, but that cost is a ballpark figure based on cost data for a 40-year-old married male driver that has full coverage including both comprehensive and collision and $500 policy deductibles.

This brings up the issue that more than likely you aren’t exactly 40 years old or even a male, possibly single instead of married, and you possibly have other drivers on your policy that need factored in. Having even a minor difference in quote information can cause large differences in quoted rates.

Everone’s needs are different, and this illustrates why the only real way to find the cheapest insurance price for your Ford is to make a habit of comparing prices at least once a year. In just a few minutes you will be able to see rates from some of the best companies that sell coverage in Indiana.

Cheapest Ford Explorer Insurance Rates

Your Ford’s trim level has an effect on the insurance rate, so the price to insure a Explorer XLT 2WD model will cost $72 less than the cost to insure the more well-appointed Explorer Limited AWD model, as shown in the table below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in vehicle garaging location which can revise coverage prices noticeably.

Indiana car insurance company ratings

Insuring your vehicle with the right company can be rather challenging considering how many choices drivers have in Indiana. The ranking information in the next section may help you decide which auto insurers you want to consider when shopping insurance around for a Ford Explorer.

The rankings below only include the largest companies in the United States, so companies that may only write in Indiana are not factored into these rankings. To compare prices from the most competitive companies in Indiana, click this link.

Illustration showing the impact of accidents and violations

The ideal way to score the best car insurance prices in Indiana for an Explorer is to be an attentive driver and not have accidents or get tickets. The information below demonstrates how citations and at-fault claims can impact premium costs for different insured age categories. Data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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In the previous chart, the average cost of auto insurance in Indiana per year with a clean driving record and no accidents is $1,523. Factor in two speeding tickets and the average cost surges to $2,037, an increase of $514 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Explorer increases to an average of $4,006. That’s an increase of $2,483, or $207 per month, just for not maintaining a clean driving record!

How to find budget-friendly auto insurance for a Ford Explorer

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help you quote cheaper coverage.

• Try paying for small claims out-of-pocket
• Insure your home and auto with the same company
• Staying accident-free helps keep rates low
• Increase your credit score
• Raise your physical damage coverage deductibles
• Speeding tickets and other violations increase rates
• Compare rate quotes often

The last idea is extraordinarily critical, as we noted in this write-up. Prices charged by auto insurers in Indiana adjust frequently, so don’t be hesitant to buy from a different company if you can find a cheaper rate. We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you a small fortune. Spend a few minutes and compare rates and find cheaper insurance for a Ford Explorer.