How Much Is Auto Insurance for a Ford Explorer?
The average annual premium for a Ford Explorer is $356 for minimum coverage and $1,536 for full coverage. Since all states but two require drivers to carry car insurance, which policy is best for you and your budget?
Most lenders require full coverage, which consists of state liability plus comprehensive and collision. However, in most cases, the cheapest coverage for an Explorer will be the state minimum. However, your rate will depend on a variety of individual factors, such as your age and driving record.
At Freeway Insurance, our agents are standing by to help you find the right coverage at the best price for you and your family.
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Comparing Costs to Other Makes and Models
Premiums between this SUV and competitors like the Chevrolet Traverse, Honda Passport, Hyundai Santa Fe, and Jeep Grand Cherokee are different, thanks to the unique attributes of each model. Rates change due to reliability records, depreciation rate, recall history, and other factors.
|Make/Model||Annual Full Premium|
|Hyundai Santa Fe||$1,520|
|Jeep Grand Cherokee||$1,531|
Types of Coverage for the Explorer
Drivers can opt for the state-required minimum liability as the least expensive choice. However, adding comprehensive and collision offers far more protection.
This refers to the addition of collision and comprehensive insurance coverage, which offer greater financial protection in the event you are involved in an accident.
It reimburses you for more scenarios, such as collisions, regardless of fault and events when you are not behind the wheel, such as car theft.
Coverage like rental car reimbursement, uninsured motorist, and roadside assistance are also available for greater peace of mind. Some states may make certain coverages mandatory, such as uninsured motorist, while others don’t.
In short, get this type of protection if the extra dollars it costs a year are affordable. In addition, there is an excellent chance that you will be involved in an accident, however minor, over your lifetime, so enrolling with a good auto insurance policy is a safe bet for greater peace of mind.
State Minimum Liability
To drive legally in any state, you must carry the state minimum liability required by your state.
Each state has different liability limits.
For example, Texas drivers must meet liability limits of $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability per accident
Unfortunately, state minimum liability only offers limited protections, protecting third parties against injury or property damage. It won’t help you if you are at fault. If you can afford it, we highly recommend full coverage, which provides collision and comprehensive coverage to reimburse you in the event of things like vehicle-to-vehicle and rollover collisions.
How Does a DUI Affect Insurance Rates for an SUV?
If you have been convicted of a DUI, expect your rates to go up.
For starters, your premium may triple, depending on the offense. You may also be required to file an SR-22, a certificate of financial responsibility that lets the state know you carry the minimum required liability limits. Unfortunately, your SR-22 requirement will last for a three-year minimum. However, your rates should slowly decrease over time after that, as long as you maintain a clean driving record.
If you are convicted of multiple DUIs within a short period, some insurers may decide to let you go a customer altogether, refusing to provide coverage.
We highly recommend comparing rates between different insurers if you have been convicted of DUI. One may offer the same insurance policy at a 30% discount than a competing member, making the exercise well worth it. Shopping around can help you find cheap DUI quotes.
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What Are Some Auto Discounts for Ford Drivers?
Fortunately, drivers like yourself can take advantage of excellent car insurance discount opportunities.
- Policy reductions are awarded for good driving, being a member of the military, using auto-pay for your premium and bundling your various policies.
- There are also rewards for how well you “risk-proof” your vehicle. Installing anti-theft features, purchasing a new vehicle, or installing safety equipment in your vehicle could result in a small decrease.
- Being a loyal customer will result in lower premiums, as well as driving less than 75,000 miles annually (perfect for those who work from home).
What Are Some of the Characteristics of the Explorer?
This is a vehicle in the midsize SUV segment. It has eight trims, including Base, XLT, ST-Line, Limited, Timberline, ST, King Ranch, and Platinum.
It also has the choice of two engines: a turbocharged 2.3-liter four-cylinder and a 400-horsepower twin-turbocharged 3.0-liter V6 engine.
Its base model comes with an 8-inch touch screen, Wi-Fi hotspot, four-way manual adjustable passenger seating, and Apple CarPlay and Android Auto capability. Higher trims come with a 14-speaker Bang & Olufsen stereo and a 10.1-inch touchscreen.
Most well-known competitors include the Chevrolet Traverse, Honda Passport, Hyundai Santa Fe, and Jeep Grand Cherokee.
Find the Best Car Insurance Rates Online for Ford Explorer Today
Let Freeway offer you a state minimum or full coverage policy that provides enough protection for you and your family. Requesting a quote only takes a few seconds! You may visit us online, stop by one of our Freeway Insurance offices, or call us at 800-777-5620 for a quote. Contact us today!