Cheapest Insurance for a Ford Explorer in Rhode Island

Since we’re writing about auto insurance, the word “cheap” should not appear anywhere in the article. Please forgive the oxymoron, but cheap car insurance for a Ford Explorer is almost non-existent. But fear not, because we are going to show you how you can still get auto insurance that is cheaper than your current policy.

Your chances of finding the cheapest insurance for a Ford Explorer in Rhode Island is dependent upon a lot of factors like your birth date, your residence address, and blemishes on your driving record. Drivers in Rhode Island pay around $1,210 annually for Explorer insurance, but that policy rate is an approximation based on rate data for a 40-year-old married female driver that purchased full coverage including both comprehensive and collision and $250 deductibles.

That rate won’t apply to everyone, because more than likely you’re not a 40-year-old female, single instead of married, or maybe you rent instead of own your home. This example demonstrates why the best method for finding cheap auto insurance rates for your Ford is to regularly compare rates at renewal. In just a few minutes you will get price quotes from the best auto insurance companies that insure vehicles in Rhode Island.

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The trim level of your Ford tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Explorer XLT 2WD will cost $126 less than the insurance cost for the fancier Explorer Limited AWD model, as shown in the chart below.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location information which can influence premium rates significantly.

Finding a high-quality insurance provider is difficult considering how many companies there are in Rhode Island. The information shown next could help you pick which companies to look at buying from. These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in this list.

Top 10 Major Auto Insurance Companies in Rhode Island Ranked by Customer Service

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

Top 10 Major Auto Insurance Companies Overall in Rhode Island

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Ford Explorer Insurance in Rhode Island

Impact of violations and accidents on rates

The obvious way to score the cheapest insurance for a Ford Explorer in Rhode Island is to be a good driver and not receive tickets or have accidents. The information below highlights how speeding tickets and at-fault accidents influence yearly insurance costs for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

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The chart shows that the average cost of car insurance in Rhode Island per year with no accidents or violations is $1,631. Factor in one speeding ticket and the average cost swells to $1,903, an increase of $272 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Ford Explorer increases to an average of $2,647. That’s an increase of $1,016, or $85 per month, just for being a little careless behind the wheel!

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

When it comes to insurance for an Explorer in Rhode Island, four good companies to start with are Progressive, Geico, State Farm, and Allstate. They all have slightly different options that may influence your choice. The next table rates some of the different features that are available for buyers.