Who Has the Cheapest Insurance for a Ford Explorer in Idaho?

The chances that you’ll find the cheapest car insurance for a Ford Explorer in Idaho hinges on a complex equation that considers factors like whether you are a homeower, where your vehicle is garaged, and if you had any at-fault accidents in the last few years. Idaho drivers on average pay approximately $630 annually to buy insurance for a Ford Explorer, but that is an estimate based on rates for a 30-year-old married female that purchased full coverage and $500 physical damage deductibles.

Chances are good that you aren’t exactly 30 years old or even a female, single instead of married, or maybe you have a speeding ticket or two that will increase rates. Making even small differences in input factors may result in a big change in how much insurance for a Ford Explorer costs.

Auto insurance is not the same for everyone, so the best method for finding cheap auto insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

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The specific trim level tends to have a direct effect on the yearly cost, so the price you pay to insure a Explorer XLT 2WD will be $60 less expensive the price to insure the higher-priced Explorer Limited AWD model, as shown in the prices below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in your specific Idaho location which can modify coverage prices substantially.

Comparing rates for affordable auto insurance is not most people’s favorite thing to do, and determining which company offers the cheapest auto insurance rates for a Ford Explorer takes more quotes for comparison. Each auto insurer has their own unique process for determining prices, so we need to take a look at the most budget-friendly auto insurance companies in Idaho.

It’s important that readers know that Idaho auto insurance rates are influenced by many factors which can substantially change the price you have to pay. This price variation is why it is critical to take the time to shop around to find the best car insurance rates for a Ford Explorer. Auto insurance prices are determined by many different factors and change substantially, so the lowest-price company the last time you shopped your coverage around may now be wasting a lot of money.

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American National offers some of the best car insurance rates in Idaho at around $244 per year. Farm Bureau of ID Group, USAA, Oregon Mutual, and Travelers also make the cut as some of the cheaper Idaho insurance companies.

As shown above, if you are a customer of USAA and switched to American National, you might achieve a yearly savings of in the neighborhood of $302. Drivers with Oregon Mutual could save as much as $428 a year, and Travelers policyholders might lower prices by $435 a year.

To discover how much you can save, click here or visit several of the following companies.

Understand that those premiums are averages across all drivers and vehicles and and are not calculated with a specific rate value for a Ford Explorer. So the auto insurance company that is best for you may not even be shown in the list of companies above. That illustrates why you need to get car insurance quotes using your own driver data and vehicle information.

The illustration below illustrates how choosing a deductible can affect insurance rates when researching cheap insurance for a Ford Explorer. The rate quotes are based on a single female driver, comp and collision included, and no other discounts are factored in.

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The data above shows that a 50-year-old driver could lower rates by $194 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $296 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $488 every year just by choosing larger deductibles. When choosing a higher deductible, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Progressive, Geico, Allstate, or State Farm: Which is best?

When researching insurance for an Explorer in Idaho, some of the largest companies to start with are Progressive, Geico, Allstate, and State Farm. Combined they have almost 50% of all auto insurance policies in force. They all offer a distinct set of features and optional coverages that can influence your buying decision. The following table breaks down some of the different options that are available for buyers.