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

The chances of finding cheap insurance for a Ford Explorer in Georgia depends upon a lot of different factors such as whether you use your Explorer for business use, the likelihood of vehicle theft, and any prior driving offenses you have. Georgia drivers pay around $1,350 a year to buy insurance for a Ford Explorer, but that figure is a projection using cost data for a 50-year-old single male that included full coverage and $100 physical damage deductibles.

But there is a good chance that you are not a 50-year-old male, you might be married instead of single, or maybe you prefer liability limits higher than required by Georgia state law. Using even a minor difference in policy rating data can cause big differences in the cost of coverage for a Ford Explorer.

This shows why the way we recommend to find the cheapest rates for your Ford is to make a habit of regularly comparing rates from other companies.

Find Cheaper Ford Explorer Insurance

The trim level of your vehicle tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Explorer XLT 2WD will be $148 cheaper than the price to insure the more well-appointed Explorer Limited AWD version, as shown by the rates below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can raise or lower premium rates noticeably.

Finding affordable auto insurance is hard enough, and figuring out which company offers the cheapest insurance rates for a Ford Explorer takes even more rate comparisons.

Each company uses their own formula to set premium rates, so let’s rank the lowest cost insurance companies in Georgia. We do need to point out that Georgia insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Price variation is why it is important to do a thorough rate comparison when trying to get the most economical auto insurance quotes for a Ford Explorer. Prices are made up of many things and change substantially, so the cheapest company six months ago may now cost much more than other companies.

Find the Cheapest Car Insurance for Your Explorer

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Auto-Owners may have some of the cheapest car insurance rates in Georgia at around $839 a year. The Hartford, USAA, Central Mutual, and MetLife also make the cut as some of the lowest-priced Georgia car insurance companies.

As shown in the rates above, if you are a policyholder with The Hartford and switched to Auto-Owners, you might see a yearly savings of upwards of $47. Georgia drivers with USAA may save as much as $139 a year, and Central Mutual insureds might see rate reductions of $366 a year.

Remember that these prices are averages across all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Ford Explorer. So the insurer that can offer you the best price may not even be in the company chart above. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.

The information below highlights how deductible selection can affect insurance costs when getting quotes for cheap insurance for a Ford Explorer. The information is based on a single male driver, full 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’,’$1,000 Deductible’],[‘Age 20’, 4205,3857,3475,3113],[‘Age 30’, 2217,2053,1855,1665],[‘Age 40’, 2177,2003,1801,1603],[‘Age 50’, 1981,1825,1645,1471],[‘Age 60’, 1915,1765,1595,1429],[‘Age 70’, 2323,2153,1963,1783]]);var options = {title: ‘Deductible Levels and Ford Explorer Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},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);}

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $336 a year by increasing from a $100 deductible up to a $500 deductible, or save $510 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could possibly save up to $1,092 or even more just by choosing larger deductibles.

When using a larger deductible, it is necessary to have enough in a savings account to offset the extra out-of-pocket expense associated with higher deductibles.

Full coverage rates vs. liability-only

Finding cheap insurance for a Ford Explorer in Georgia is the goal of the majority of vehicle owners, and one great way to save on the cost of insurance is to not pay for full coverage. The illustration below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 4663,1393],[‘Age 30’, 2433,763],[‘Age 40’, 2409,707],[‘Age 50’, 2185,663],[‘Age 60’, 2111,651],[‘Age 70’, 2545,871]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Georgia’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, full coverage costs $2,724 per year over and above liability coverage. That is a significant amount which raises the question if buying full coverage is worth the expense. There is no written rule for phasing out comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

How to find cheap insurance for a Ford Explorer in Georgia

Below you’ll find some of the better penny-pinching suggestions that can help you quote low-cost auto insurance.

• Safer vehicles cost less to insure
• Increase your credit rating
• Just one traffic violation will increase your rates
• Higher deductibles save money
• Avoid preventable accidents
• Do not waste money insuring older vehicles for full coverage
• Keep rates low by shopping around frequently

The last idea is remarkably crucial, as was affirmed in the article above. Prices charged by auto insurers vary considerably, so don’t be unwilling to buy a different policy if a cheaper rate is available.

Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing money that could be going to better use. Now is a great time to shop around and find cheaper auto insurance for a Ford Explorer.