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

Your ability to find affordable coverage for a Ford Explorer in Wisconsin is contingent on many factors like whether you own a home, whether or not you garage your vehicle, and any prior driving offenses. Drivers in Wisconsin pay on average $540 every 12 months to insure a Ford Explorer, but that figure is an estimation that uses rate data for a 30-year-old married female who requires full comprehensive and collision coverage and $1,000 policy deductibles.

There is a high likelihood that you’re not a 30-year-old female, single instead of married, or maybe you have a teen driver on your policy that needs to be considered. What seems to be a minor change in price quote data could end up with a large change in the cost of coverage for a Ford Explorer.

Each driver has unique rating factors, so the way we recommend to find the cheapest insurance price for your Ford is to quote often and with as many companies as possible.

Compare Ford Explorer Insurance Rates

Your Ford’s trim level can impact price, so the price you will be charged to insure a Explorer XLT 2WD model will be $46 less than the cost to insure the more well-appointed Explorer Limited AWD model, as shown in the prices below.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location which can change auto insurance rates noticeably.

Wisconsin insurance companies ranked

Selecting the right insurer can be a challenge considering how many different companies insure vehicles in Wisconsin. The rank data below could help you choose which providers you want to consider when insurance shopping for a Ford Explorer.

The rankings below are for the largest companies in the United States, so companies that may only write in Wisconsin are not factored into the list. To compare price quotes from the most competitive companies in Wisconsin, simply click here.

Top 10 Major Auto Insurance Companies Overall in Wisconsin

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Major Auto Insurance Companies in Wisconsin Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Allstate – A+

Top Companies for Ford Explorer Insurance in Wisconsin

Discounts on Wisconsin auto insurance rates

Auto insurance companies that offer cheap insurance for a Ford Explorer in Wisconsin may provide discounts that could reduce prices by as much as 35% if you are eligible for them. A few of the larger companies and their offered discounts are:

The example below illustrates the difference between car insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, anti-theft, passive restraint, defensive driving course, safe-driver, and multiple vehicle discounts applied. When these discounts are applied, the the average amount saved on insurance for a Ford Explorer is 43% or $1,460.

Illustration showing the impact of accidents and violations

The easiest way to get good insurance prices in Wisconsin for an Explorer is to pay attention while driving and avoid accidents and traffic citations. The illustration below shows how speeding tickets and at-fault claims can raise car insurance costs for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,115. Get two speeding tickets and the average cost hikes up to $1,483, an increase of $368 each year. Now include two accidents along with the two speeding tickets and the yearly cost of insurance for a Ford Explorer jumps again to an average of $2,997. That’s an increase of $1,881, or $157 per month, just for not driving responsibly!

Cheapest Ford Explorer insurance quotes

There are many ways to find lower-cost insurance in Wisconsin, but the most popular methods are using an exclusive agency like State Farm or Liberty Mutual, an independent agent, or direct either online or via phone.

You can use whichever you prefer, but it’s important to understand the differences in how they work.

Independent insurance agents write for multiple companies and can do rate comparisons with every one. These agents can give you more rates, which can help you get a better overall rate comparison. If you want to switch companies, your policy can be moved and you don’t have to find a new agent.

An exclusive ageny is only able to quote rates from just one company, two of the more popular are a State Farm or Liberty Mutual agent. They generally cannot provide rates from more than one company, so they really need to provide good service.

If you want to buy insurance direct, you forego a local insurance agent and instead shop direct either online or via phone. This insurance option is good for consumers who do not have a complex risk profile and have a good understanding of what specific coverages they need.

Which method is best to buy cheap insurance for a Ford Explorer in Wisconsin? Most drivers assume that buying from a direct car insurance company results in the best prices since that eliminates agent commissions, but in reality, that argument does not hold true. It would also be easy to say buying from an independent agent guarantees the cheapest rates due to increased selection, but again, that’s not a true statement. And sometimes, the exclusive agents have really good rates that other insurance companies cannot touch.

Due to the fact that insurance rates vary so much, the one way to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. It takes a little work, but we recommend you get price quotes from independent, exclusive, and direct to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.

How to find the cheapest auto insurance for a Ford Explorer

The list below details a few money-saving ideas that can help drivers find lower-cost coverage.

• Buy safe vehicles
• Save money by staying claim-free
• Good credit can help you save money
• Raise comprehensive and collision coverage deductibles
• Buying home and auto insurance together can earn discounts
• Do not pay for comprehensive and collision coverage on older vehicles
• Check for cheaper rates once a year

The last suggestion is especially valuable, as we noted in this piece. Prices can change considerably in a year, so you should be ready to switch carriers if a lower-cost policy is available.

Brand loyalty is not necessarily bad, but it’s not a good idea if that stubbornness costs you several hundred dollars every year. It only take a few minutes to compare prices and find cheaper auto insurance for a Ford Explorer.

Is Progressive, Geico, State Farm, or Allstate cheaper?

If you’re looking for the best insurance for an Explorer, four companies you’ll want quotes from are Progressive, Geico, State Farm, and Allstate. Combined they insure 48.5% of the entire U.S. market share. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that you can select from. The following table compares some of the different options and features you can expect with each one.