Cheapest Insurance Quotes for a Ford Explorer in Kentucky

Finding the best cheap auto insurance for a Ford Explorer in Kentucky hinges on a very complex rating algorithm that uses multiple factors like whether you are married, where you live, and physical damage deductibles. Kentucky drivers pay on average $870 each year to insure a Ford Explorer, but that rate is a ballpark figure based upon a 40-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.

This brings up the issue that more than likely you may not be 40 years old (or even female), possibly single instead of married, or maybe your Explorer is a different trim level than the example. Even a slight change in input factors could end up in a significant change in the coverage rate.

Auto insurance is unique to each driver, so the way we recommend to find the cheapest insurance price for your Ford is to do the rate comparisons yourself. Get your free quotes now and you can get rates from the best companies available.

Insure Your Ford for Less

Vehicle trim level impacts price, so the price you will be charged to insure a Explorer XLT 2WD will be $84 lower than the price to insure the more expensive Explorer Limited AWD trim level, as shown by the rates below.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in your specific Kentucky location which can modify price quotes substantially.

Finding a high-quality car insurance company is difficult considering how many choices you have in Kentucky. The company information below can help you analyze which car insurance companies to look at when comparing rates.

The rankings below are for companies that write coverage in many states, so companies without a large exposure are not included in the list. If you wish to compare rates from the most competitive companies in Kentucky, click here.

Top 10 Large Auto Insurance Companies in Kentucky Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Large Auto Insurance Companies in Kentucky Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top Companies for Ford Explorer Insurance in Kentucky

Liability only or full coverage

Finding the cheapest insurance for a Ford Explorer in Kentucky should be important to the majority of vehicle owners, and a great way to buy cheap insurance is to buy only liability coverage. The illustration below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3877,1161],[‘Age 30’, 2025,639],[‘Age 40’, 2003,591],[‘Age 50’, 1817,553],[‘Age 60’, 1757,545],[‘Age 70’, 2119,727]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Kentucky’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If all age groups are averaged, physical damage coverage on your policy costs $2,266 per year more than just buying liability insurance. That is a large expense and it proposes the question if buying full coverage is worth the expense. There is no exact rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s claim settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,500 after paying your policy deductible. If it’s costing in excess of $550 a year for full coverage, then you might want to consider buying only liability coverage.

How to get discounts on Kentucky insurance rates

Auto insurance companies that sell the cheapest insurance for a Ford Explorer in Kentucky could also offer rate discounts that could lower prices by as much as 35% if you can meet the requirements. Larger car insurance companies and some of the premium reductions they offer are:

The chart below visualizes the comparison of auto insurance rates with and without policy discounts. The rate quotes are based on a male driver, no claims or driving violations, Kentucky state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, anti-theft, multiple policy, passive restraint, claim-free, and marriage discounts applied. When taking advantage of discounts, the the amount saved on car insurance for a Ford Explorer is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2789,2005],[‘Age 30’, 1481,1075],[‘Age 40’, 1439,1043],[‘Age 50’, 1315,953],[‘Age 60’, 1275,923],[‘Age 70’, 1583,1137]]);var options = {title: ‘Insurance Rate Comparison with Discounts 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: [‘#6791b9’, ‘#98bee2’],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);}

Which auto insurance company is best?

When shopping around for auto insurance, four of the larger companies to compare rates for are State Farm, Geico, Progressive, and Allstate. Between them, they make up over 48% of all vehicles in the U.S.. All four offer physical damage and liability coverage, but each has a slightly different set of options and discounts that may influence which company you choose. The data below rates ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.