How Much Does Insurance Cost for a Ford Explorer in Arizona?

When writing about shopping for auto insurance, the word affordable shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Regardless, cheap auto insurance for a Ford Explorer is not always easy to find. Don’t let that ruin your day, because we are going to tell you how you can quote and buy coverage that is cheaper than what you are paying now.

Buying the cheapest insurance for a Ford Explorer in Arizona depends upon an enormous amount of rating factors such as whether you are married, if you have a tendancy to file claims, and blemishes on your driving record. Drivers in Arizona will pay on average $720 per year to insure their Explorer, but that figure is a ballpark figure based on cost data for a 50-year-old married male who requires full coverage and $500 physical damage deductibles.

Most likely you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Different coverage needs are the reason why the best way to quote affordable rates for your Ford is to make a habit of regularly comparing rates from other companies. Do a quick rate comparison now and you will receive price comparisons from some of the most affordable companies that sell coverage in Arizona.

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Vehicle trim level can impact the yearly cost, so the cost to insure a Explorer XLT 2WD will be $68 lower than the price to insure the more well-appointed Explorer Limited AWD model, as shown in the prices below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in zip code location which can lower or raise premium rates greatly.

Choosing a good quality car insurance provider is difficult considering how many companies sell coverage in Arizona. The ranking data shown below can help you select which coverage providers you want to consider putting your business with.

The rankings below are for major nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not included in the list. If you would like to check rates from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurance Companies Overall in Arizona

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

Top 10 Major Auto Insurance Companies in Arizona Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top Companies for Ford Explorer Insurance in Arizona

Rate increases following a ticket or accident

The common sense way to score cheap auto insurance prices in Arizona for an Explorer is to drive safe and avoid accidents and violations. The illustration below illustrates how traffic citations and at-fault claims can drive up premium costs for each different age group. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2083,2325,4361],[‘Age 30’, 1461,1699,3739],[‘Age 40’, 1443,1677,3719],[‘Age 50’, 1269,1505,3545],[‘Age 60’, 1209,1445,3485],[‘Age 70’, 1293,1529,3567]]);var options = {title: ‘Violations, Accidents, and Arizona 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 Arizona’,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);}

In the chart above, the average cost of a car insurance policy in Arizona per year with no accidents or violations is $1,460. Add in one speeding ticket and the average cost jumps to $1,697, an increase of $237 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Explorer increases to an average of $3,736. That’s an increase of $2,276, or $190 per month, just for not being a responsible driver!

How to get cheap insurance for a Ford Explorer in Arizona

Here are some penny-pinching suggestions that can help Arizona drivers locate the cheapest car insurance.

• Buy safe vehicles
• Being accident-free can lower rates significantly
• Home or renters coverage can save on auto insurance
• Do not waste money insuring older vehicles for full coverage
• Try to not file small claims
• Do not get traffic violations
• Compare rates once a year for cheaper prices

The last tip in the list is especially vital, as was emphasized in this write-up. Rates in Arizona change frequently, so you should be ready to buy a policy from a new company if a lower price can be found. Loyalty to a specific company is fine, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. In just a couple of minutes you could shop around and find cheaper car insurance for a Ford Explorer.