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

The likelihood of finding cheaper auto insurance for a Ford Explorer in Iowa hinges on a lot of rating criteria like your birth date, whether or not you are currently insured, and driving violations and tickets. Drivers pay an average rate of $620 every 12 months to insure their Explorer, but that rate is a ballpark figure based on rate data for a 50-year-old single male driver that includes comprehensive and collision coverage and $1,000 policy deductibles.

There is a high probability that you are not a 50-year-old male, possibly married instead of single, or maybe you have a couple of speeding tickets. Just a slight difference in the factors used to determine rates can make a big difference in the cost of insurance for a Ford Explorer.

This demonstrates why the most reliable way to find cheap auto insurance rates for your Ford is to put in the effort and compare rates. It’s really quite easy you will receive prices from some of the best insurers that sell coverage in Iowa.

View Ford Explorer Insurance Rates

The trim level of your vehicle will influence the annual cost of coverage, so the price to insure a Explorer XLT 2WD model will be $52 cheaper than the insurance cost for the higher-priced Explorer Limited AWD version, as shown below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in your specific Iowa location which can modify rates considerably.

Selecting a highly-rated insurer is difficult considering how many companies there are to choose from in Iowa. The company information shown next can help you choose which car insurance companies to look at when trying find the best insurance for a Ford Explorer. These rankings are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Iowa are not included in the list.

Top 10 Large Auto Insurers in Iowa Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Large Auto Insurers in Iowa Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top Companies for Ford Explorer Insurance in Iowa

The information below demonstrates how deductible levels can influence annual premium costs when quoting cheap insurance for a Ford Explorer. The information is based on a single female driver, comp and collision included, and no other discounts are factored in.

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The chart above illustrates that a 50-year-old driver could reduce rates by $244 a year by changing from a $100 deductible to a $500 deductible, or save $372 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old example, could save as much as $620 or more just by using higher deductibles. When raising deductibles, it is essential to have enough savings set aside to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

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

When researching auto insurance, probably the best companies to start with are Allstate, Geico, Progressive, and State Farm. The following table rates some of the different options and features you can expect with each one.