Who Has Cheap Insurance for a Ford Explorer in Wyoming?

The odds of finding affordable coverage for a Ford Explorer in Wyoming depends on a complicated rating formula that uses factors such as whether you use your Explorer for business use, if you have a coverage lapse, and your choice of deductibles. Wyoming drivers pay an average of $960 annually for Explorer insurance, but that cost is a valuation based on a 50-year-old married male with full coverage and $250 deductibles.

It’s more than likely that you are not 50 and possibly not even male, maybe you are single instead of married, or you need different deductibles. Changing even a minor factor in rating variables can make a huge difference in the rate quoted for a Ford Explorer.

Every driver’s needs are different, and that is why the only way to find the cheapest insurance price for your Ford is to shop your policy around at every renewal. Get your free quotes now and you will receive rate quotes from top-rated companies that insure vehicles in Wyoming.

Start Your Free Quote

Your Ford’s trim level tends to impact the cost of insurance, so the rate you will pay to insure a Explorer XLT 2WD trim level will be $98 less than the price to insure the higher-priced Explorer Limited AWD version, as shown in the prices below.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can revise premium rates significantly.

Finding the best insurer is hard considering how many choices there are in Wyoming. The company rank data in the next section can help you select which car insurance companies to look at when shopping car insurance rates for a Ford Explorer.

The rankings below include companies with a nationwide focus, so companies without a large exposure are not included in this list. If you wish to compare prices from these top-rated insurers and more, click this link.

Types of discounts on Wyoming car insurance rates

Insurers that sell cheap insurance for a Ford Explorer in Wyoming may have premium discounts that could reduce prices by as much as 30% if you are eligible to receive them. Larger auto insurance companies and their offered discounts are detailed below.

• Progressive may have discounts that include multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and online signing.
• SAFECO includes discounts for multi-car, anti-lock brakes, drive less, safe driver, and bundle discounts.
• American Family may offer discounts for accident-free, air bags, Steer into Savings, good student, and bundled insurance.
• MetLife has discounts for claim-free, accident-free, multi-policy, good student, good driver, and defensive driver.
• GEICO may include discounts for air bags, daytime running lights, multi-policy, seat belt use, multi-vehicle, membership and employees, and federal employee.
• The Hartford offers discounts including bundle, anti-theft, vehicle fuel type, defensive driver, and good student.

The example below shows the comparison of premium costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no claims, Wyoming state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, accident-free, homeowner, vehicle safety, marriage, and passive restraint discounts applied. When discounts are applied, the the amount saved on auto insurance for a Ford Explorer is 28% or $497.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2649,1903],[‘Age 30’, 1813,1311],[‘Age 40’, 1691,1225],[‘Age 50’, 1477,1073],[‘Age 60’, 1429,1035],[‘Age 70’, 1675,1207]]);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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Wyoming’,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);}

The information below highlights how deductible choice can increase or decrease insurance costs when researching cheap insurance for a Ford Explorer. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3455,3173,2863,2565],[‘Age 30’, 2413,2207,1967,1739],[‘Age 40’, 2235,2047,1833,1625],[‘Age 50’, 1953,1791,1601,1423],[‘Age 60’, 1889,1731,1549,1375],[‘Age 70’, 2187,2009,1809,1621]]);var options = {title: ‘Effect of Higher Deductibles on Ford Explorer Insurance Rates in Wyoming’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could pocket $402 a year by switching from a $100 deductible to a $500 deductible, or save $610 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could roll back prices up to $890 every year just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Cheapest car insurance: Progressive, Allstate, Geico, or State Farm

If you want the best insurance for an Explorer in Wyoming, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. Combined they make up almost half of the entire U.S. car insurance market. All of them have somewhat different options that drivers can select from. The data below rates price and claims rank as well as some different options that policyholders can buy.