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

Since we’re writing about auto insurance, the word “cheap” should not appear anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for a Ford Explorer is just plain contradictory. But fear not, because we are going to show you some ways you can find insurance that is more affordable than your current policy.

The chances that you’ll find affordable insurance for a Ford Explorer in Missouri hinges on a complex calculation that is influenced by things like if you own the home you live in, if you are currently insured, and if you have any chargeable driving offenses. Drivers in Missouri pay an average rate of $940 a year to insure an Explorer, but that rate is using rate data for a 30-year-old single male that purchased full coverage including both comprehensive and collision and $250 physical damage deductibles.

Odds are that you’re not a 30-year-old male, married instead of single, or you have a violation or two on your driving record. Making even small differences in the factors used in pricing a policy could end up in a significant change in how much coverage for a Ford Explorer costs.

Everone’s needs are different, and this illustrates why the only way to find cheap insurance rates for your Ford is to make a habit of comparing rates at every renewal.

Compare Ford Explorer Insurance Rates

Your Ford’s trim level will have an impact the insurance rate, so the rate you pay to insure a Explorer XLT 2WD trim level will be $90 lower than the cost to insure the more expensive Explorer Limited AWD version, as shown in the chart below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can impact premium rates greatly.

Insuring your vehicle with a highly-rated insurance company can be challenging considering how many companies are available to choose from in Missouri. The company rank data below could help you select which auto insurance companies to look at putting your business with.

These ratings are only comprised of companies with a national presence, so smaller companies that only insure vehicles in Missouri will not be included in these rankings. If you’d like to compare prices from these and other competitive companies, just click here.

Top 10 Large Auto Insurance Providers in Missouri Ranked by Customer Service

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

Top 10 Large Auto Insurance Providers in Missouri Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Ford Explorer Insurance in Missouri

Discounts on the cheapest insurance for a Ford Explorer in Missouri

Insurance providers that offer coverage for a Ford Explorer may have discounts that could lower prices by 40% or more if you meet the requirements. A list of companies and some of their more popular discounts are:

The illustration below shows the comparison of insurance premiums with and without discounts applied. The premiums assume a female driver, no accidents or driving violations, Missouri state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, safe-driver, accident-free, claim-free, and multiple policy discounts applied. With discounts applied, the the average yearly reduction on car insurance for a Ford Explorer is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2345,1691],[‘Age 30’, 1633,1187],[‘Age 40’, 1511,1099],[‘Age 50’, 1327,967],[‘Age 60’, 1279,933],[‘Age 70’, 1487,1075]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Ford Explorer’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Here’s why you should compare rates often

Missouri car insurance rates are influenced by many factors which can substantially change the cost of having a policy. Simply getting older, becoming a homeowner, or having an at-fault accident can cause premium changes resulting in some rates now being cheaper than competitors.

Not only may your risk profile change, but companies file new rates every year or even multiple times each year in order to be able to pay unexpected claims. An unexpected high level of claims can result in more expensive prices, while lower claim levels can produce cheaper Explorer insurance rates.

For instance, the chart below shows which company has the cheapest car insurance in Missouri for a 30-year-old female driver with no prior claims, no tickets, and excellent credit. If we look at prices based on her current risk profile, USAA offers the most affordable car insurance rates in Missouri at $642 each year. This is $620 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers round out the rest of the most affordable Missouri auto insurance companies.

google.charts.setOnLoadCallback(drawMOWitcqcibChart);function drawMOWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 642, ‘#187C6B’],[‘The Hartford’, 809, ‘#146759’],[‘Allied’, 841, ‘#10554A’],[‘Electric’, 849, ‘#0D463D’],[‘Travelers’, 998, ‘#0A3A32’]]);var options = {title: ‘Best Car Insurance Rates for a Ford Explorer’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1098,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver from the above example a claim or two, a lower credit score, and a few traffic violations. Due to the fact that every auto insurer has their own guidelines to determine rates, comparing insurance quotes may now present a different list of cheap Missouri auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawMOWcqcibChart);function drawMOWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 1140.7, ‘#FF8500’],[‘The Hartford’, 1213.5, ‘#D46E00’],[‘Farmers’, 1228.7, ‘#B05B00’],[‘Nationwide’, 1256.2, ‘#924B00’],[‘Electric’, 1273.5, ‘#793E00’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1373.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Auto-Owners now has the best price on car insurance in Missouri with The Hartford, Farmers, Nationwide, and Electric now rounding out the top five. This example shows why drivers need to compare many different companies when trying to find the most economical car insurance rates for a Ford Explorer. Insurance prices are influenced by many risk factors and can decrease or increase without notice, so the most economical company a year ago may now be wasting a lot of money.

How to find the cheapest insurance for a Ford Explorer in Missouri

The list below shows many penny-pinching suggestions that can help you get cheaper car insurance.

• Claim-free policyholders usually earn a discount
• Buying car and homeowners insurance together can save money
• Be a cautious driver
• Choose a safer vehicle and pay lower rates
• Do not get into accidents
• Ensure you have the best deal by shopping around regularly

That last piece of advice is especially vital, as was stressed in this piece. Insurance prices vary considerably, so you should be ready to buy a policy from a new company if a lower-cost policy is available.

Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you lots of money. Now is a great time to shop around and find cheaper auto insurance for a Ford Explorer.