How Much are Insurance Quotes for a Ford Explorer in Illinois?

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere in the article as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a Ford Explorer may be a thing of the past. Don’t let that get you down, though, because we are going to show you how you can get car insurance that is more budget-friendly.

The chances of buying affordable auto insurance for a Ford Explorer in Illinois depends on a large number of rating criteria like how old the vehicle is, if you have maintained coverage continuously, and your driving record. Drivers in Illinois pay approximately $1,000 per year to insure their Explorer, but that cost is calculated based on a 40-year-old single female that has full comprehensive and collision coverage and $100 policy deductibles.

More likely than not, you are not exactly 40 years old and possibly not even female, maybe you are married instead of single, or maybe you rent instead of own your home. Not every driver requires the same auto insurance coverages, so the only way to find the cheapest rates for your Ford is to just take the time to compare rates yourself. Do a quick rate comparison now and you can get prices from some of the most affordable companies available.

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The specific trim level can impact the cost of insurance, so the price you will pay to insure a Explorer XLT 2WD will be $110 less than the insurance cost for the higher-priced Explorer Limited AWD model, as shown in the table below.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific location information which can affect rates greatly.

Deciphering which companies quote the most affordable car insurance rates for a Ford Explorer involves a little more effort in order to find the lowest price.

Each insurer uses different criteria for establishing rates, so to begin we’ll rank the most affordable car insurance companies in Illinois.

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The Hartford normally has some of the most affordable car insurance rates in Illinois at around $746 each year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the lowest-priced Illinois auto insurance companies.

As the rates illustrate above, if you are a policyholder with Erie and switched to Rockford Mutual, you might realize yearly savings of about $92. Customers with Cincinnati Insurance might save as much as $102 a year, and Utica National policyholders might lower prices by up to $124 a year.

It’s important to note that these estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Ford Explorer. So the insurer that is most affordable for your situation may not even be in the above list. That emphasizes why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The illustration below demonstrates how deductibles can increase or decrease insurance costs when quoting cheap insurance for a Ford Explorer. The premium estimates are based on a single male driver, comp and collision included, and no discounts are factored in.

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In the chart above, a 30-year-old driver could save $298 a year by switching from a $100 deductible to a $500 deductible, or save $452 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, can cut as much as $866 every year by choosing larger deductibles on their policy.

When increasing deductibles, it will now be necessary to have enough savings set aside to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Insurance rate increases from tickets or accidents

In a perfect world, the ideal way to snag cheap insurance for a Ford Explorer in Illinois is to be a careful driver and not get tickets or have accidents. The information below shows how traffic citations and at-fault accidents raise insurance prices for each different age category. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2299,2831,4773],[‘Age 30’, 1599,2133,4073],[‘Age 40’, 1483,2017,3957],[‘Age 50’, 1297,1833,3775],[‘Age 60’, 1255,1789,3729],[‘Age 70’, 1457,1989,3929]]);var options = {title: ‘Accidents, Violations, and Illinois Ford Explorer Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Illinois’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of an auto insurance policy in Illinois per year with a clean driving record and no accidents is $1,565. Receive two speeding tickets and the average cost jumps to $2,099, an increase of $534 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Explorer jumps again to an average of $4,039. That’s an increase of $2,474, or $206 per month, just for a couple of infractions!

Which auto insurance company is best?

When shopping around for insurance for an Explorer in Illinois, four companies to definitely compare rates with are Progressive, Geico, State Farm, and Allstate. When added together, they insure over 45% of all auto insurance written. The data below illustrates some of the different options that may be available in your state.