Cheap Insurance for a Ford Explorer in California

The chances of finding the best cheap auto insurance for a Ford Explorer in California is contingent on many factors such as annual vehicle mileage, the likelihood of vehicle theft, and if your driving record is clean. Drivers in California on average pay approximately $1,670 annually for Explorer insurance, but that amount is a valuation based on a 40-year-old single male that included full physical damage coverage and $100 policy deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 40 years old or even a male, you might be married instead of single, or maybe your Explorer is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in the factors used in pricing a policy can result in a big discrepancy in how much insurance for a Ford Explorer costs.

Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance rates for your Ford is to comparison shop your policy at each renewal. It’s really quite easy you can get prices from some of the cheapest companies that insure Ford vehicles in California.

Compare Rates and Save

The trim level of your Explorer has an effect on the cost of insurance, so the rate you will pay to insure a Explorer XLT 2WD will be $190 cheaper than the insurance cost for the more expensive Explorer Limited AWD version, as shown in the prices below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle location which can impact auto insurance rates considerably.

Finding a highly-rated insurer is hard considering how many companies are available to choose from in California. The company rank data in the lists below may help you pick which providers you want to consider when comparing rates. The rankings below are only comprised of large nationwide companies, so companies without a large exposure are not included in the list.

Top 10 Large Auto Insurance Providers Overall in California

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top Companies for Ford Explorer Insurance in California

Get discount California insurance rates

Insurers that sell cheap insurance for a Ford Explorer in California could also offer policy discounts that could reduce prices by as much as 30% if you meet the requirements. Large insurance companies and some of their more popular discounts can be found below.

• GEICO has discounts for multi-vehicle, driver training, military active duty, seat belt use, good student, emergency military deployment, and five-year accident-free.
• Travelers includes discounts for payment discounts, home ownership, early quote, new car, and driver training.
• Farm Bureau may offer discounts for safe driver, multi-policy, multi-vehicle, driver training, and 55 and retired.
• Liberty Mutual may have discounts that include teen driver discount, newly retired, good student, newly married, and new move discount.
• American Family discounts include defensive driver, good student, bundled insurance, multi-vehicle, TimeAway discount, early bird, and good driver.
• Progressive offers premium reductions for multi-vehicle, good student, continuous coverage, online signing, and online quote discount.

The chart below shows the difference between insurance prices with and without discounts applied to the policy rates. The information is based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, anti-theft, homeowner, passive restraint, marriage, and claim-free discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for a Ford Explorer is 28% or $695.

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How to find economical insurance for a Ford Explorer

Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help you quote lower-cost coverage.

• Increase your deductibles
• Clean up your credit
• Buy vehicles with five-star safety ratings
• Buying your home and auto policies from the same company can earn a discount
• Assess whether full coverage is needed
• Frequent claims will increase rates
• Compare rates regularly and switch companies to save money

That final tip is notably necessary, as was discussed in the prior article. Prices charged by auto insurers go up and down frequently, so drivers shouldn’t be reluctant to switch to a new company if a more affordable price is available.

Having a favorite company is great, but we do not recommend it if that faithfulness ends up costing you money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper car insurance for a Ford Explorer.