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

Your ability to find the best cheap insurance for a Ford Explorer in Florida relies on many rating factors like annual miles driven, whether or not you are currently insured, and any prior driving offenses. Florida drivers pay on average $1,390 each year to insure a Ford Explorer, but that price is an estimation calculated based on a 30-year-old married male who requires both comprehensive and collision coverage and $100 physical damage deductibles.

There is a very good chance that you are not 30 and maybe not even a male, single instead of married, or maybe you want more liability coverage than is required by law in Florida. What appears to be a small change in policy rating factors can make a huge difference in the policy cost.

The different assumptions illustrate why the most reliable way to find cheap car insurance rates for your Ford is to shop your policy around at every renewal. To start saving now, get free quotes and you will be able to see rates from the cheapest companies around.

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Your Ford’s trim level will most likely have an effect on the cost of coverage, so the price you will pay to insure a Explorer XLT 2WD model will be $164 less than the cost to insure the more costly Explorer Limited AWD model, as demonstrated by the prices below.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage prices significantly.

Locating low-cost insurance is hard enough, and figuring out which company quotes the cheapest car insurance rates for a Ford Explorer involves a bit more work. Every car insurance company has their own unique process to determine premium rates, so first let’s look at the rankings for the most competitive car insurance companies in Florida.

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USAA generally has some of the lowest car insurance rates in Florida at around $986 per year. Electric, Amica, Progressive, and Allied also are some of the most economical Florida car insurance companies.

As shown above, if you are a policyholder with Amica and switched to USAA, you could realize a yearly price reduction of roughly $778. Florida drivers with Progressive may save as much as $843 a year, and Allied customers might reduce prices by as much as $940 a year.

Understand that those prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Ford Explorer. So the insurer that can offer you the best rate may not even be in the chart above. That underscores the importance of why you need to compare prices as often as possible using your own individual information.

Illustration showing the impact of accidents and violations

A great way to find cheap car insurance premiums for an Explorer is to be a cautious driver and avoid tickets and accidents. The example below illustrates how violations and at-fault collisions can affect annual premium costs for different age categories. The premium estimates are based on a single male driver, full 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’, 4945,5893,9203],[‘Age 30’, 2579,3529,6837],[‘Age 40’, 2551,3505,6809],[‘Age 50’, 2317,3267,6575],[‘Age 60’, 2237,3187,6495],[‘Age 70’, 2699,3647,6959]]);var options = {title: ‘Impact of Citations and Accidents on Florida 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 Florida’,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 in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,888. Factor in two speeding tickets and the average cost increases to $3,838, an increase of $950 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Explorer increases to an average of $7,146. That’s an increase of $4,258, or $355 per month, just for not being attentive to the road!

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

When comparing rates for auto insurance, four companies to definitely compare rates with are Geico, Progressive, Allstate, and State Farm. When combined, they have over 48% of the car insurance market in the United States. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that you can select from. The next table ranks some of the different options and features you can expect with each one.