Finding the best cheap car insurance for a Ford Explorer in California can be really easy, but it is dependent upon a complicated formula that considers factors such as age of the vehicle, your credit history, and blemishes on your driving record. Drivers will pay on average $1,198 each year to insure their Explorer, but that cost is an estimation calculated using a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you’re not a 40-year-old male, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. Just a minor difference in rating variables or coverage information could result in a significant change in how much coverage for a Ford Explorer costs.
There is no one cookie-cutter policy that works for everyone, so the only way to find cheap insurance rates for your Ford is to just compare rates yourself.
Compare Ford Explorer Insurance Rates
Your Ford’s trim level will likely have an effect on the yearly cost, so the rate you will pay to insure a Explorer XLT 2WD trim level will be $102 less expensive the insurance cost for the higher-priced Explorer Limited AWD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $206 | $342 | $534 | $32 | $160 | $1,274 | $106 |
| Explorer Eddie Bauer 2WD | $206 | $342 | $534 | $32 | $160 | $1,274 | $106 |
| Explorer XLT 4WD | $206 | $342 | $534 | $32 | $160 | $1,274 | $106 |
| Explorer XLT AWD | $206 | $342 | $534 | $32 | $160 | $1,274 | $106 |
| Explorer Eddie Bauer 4WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Explorer Eddie Bauer AWD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Explorer Limited 2WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Explorer Limited 4WD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Explorer Limited AWD | $234 | $416 | $534 | $32 | $160 | $1,376 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in your specific San Jose location which can revise insurance rates significantly.
Determining which company offers the cheapest auto insurance rates for a Ford Explorer involves a little more effort in order to find coverage that fits your budget.
Every insurance provider uses a slightly different approach for determining prices, so let’s take a look at the most competitive auto insurance companies in California. We do need to point out that California auto insurance rates are influenced by many factors which can substantially change the price of coverage. Turning one year older, filing a claim, or getting a couple of tickets can cause premium changes that can cause some rates to be affordable when they were higher priced.
Find the Cheapest Auto Insurance for Your Explorer
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,529 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
USAA may have some of the cheapest car insurance rates in San Jose at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable San Jose, CA insurance companies.
As shown above, if you are a customer of Wawanesa and switched to USAA, you might achieve an annual premium reduction of in the vicinity of $25. Drivers with Century National might save as much as $57 a year, and CSAA insureds might cut rates by $77 a year.
To see if you’re overpaying, click here or click through to the companies below.
Understand that those premium estimates are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for a Ford Explorer. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.
Responsible drivers pay cheaper auto insurance rates
In a perfect world, the best way to obtain good auto insurance premiums in California for an Explorer is to be a careful driver and not get tickets or have accidents. The example below illustrates how violations and accident claims can affect insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in San Jose per year with a clean driving record and no accidents is $2,200. Factor in two speeding tickets and the average cost jumps to $2,937, an increase of $736 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford Explorer jumps again to an average of $3,670. That’s an increase of $1,469, or $122 per month, just for not being more responsible behind the wheel!
The information below shows how choosing a deductible can change insurance costs when researching cheap insurance for a Ford Explorer. The data is based on a married male driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could save $382 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, could possibly save up to $1,266 every year just by choosing higher deductibles. If you make the decision to raise deductibles, it is a good idea to have emergency funds available to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Low rates can quickly become overpriced
California auto insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Turning one year older, increasing liability limits, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being cheaper in comparison to the competition. Not only that, but insurers change the rates they charge in California without warning as an adjustment for underwriting gains or losses. Significantly higher claims can cause higher rates, while profitable underwriting can produce more affordable Explorer insurance rates.
To help illustrate this point, the bar chart below compares the cheapest car insurance in San Jose, CA for a 45-year-old male driver with no accidents or violations, and great credit. If we estimate rates based on his personal profile, USAA may offer the best car insurance rates in San Jose at $1,199 annually. This is $452 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the most affordable San Jose, CA auto insurance companies.
Let’s now give the driver from the above example an at-fault accident, a little lower credit rating, and a speeding citation. Because each company has a different process to set premium rates, analyzing rates most likely will result in a substantially altered list of the cheapest San Jose car insurance companies as shown below.
Grange now has the lowest car insurance rate in San Jose with Progressive, Allstate, Mercury, and Allied completing the list. This example proves why California drivers need to compare lots of rates when trying to find the best auto insurance quotes for a Ford Explorer. Auto insurance prices are made up of many factors and can increase or decrease at any time, so the lowest-price company three years ago may now cost much more than other companies.
How to find economical insurance for a Ford Explorer
Below you’ll find some of the better money-saving solutions that can help San Jose drivers find lower-cost coverage.
- Be a safe driver
- Home or renters coverage can save on auto insurance
- Get cheaper liability coverage by choosing a safer vehicle
- Earn a discount by not filing claims
- Prevent rate increases by staying accident-free
- Shop around and save
The last item on the list is remarkably vital, as was noted in this piece. Coverage rates in San Jose can be changed at any time, so don’t be hesitant to switch carriers if a more affordable price is available. Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty ends up costing a small fortune. Take a few minutes and compare prices and find cheaper insurance for a Ford Explorer.
The San Jose car insurance agencies listed below are willing to answer your questions and help you decide which is the best policy, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when comparing insurance rates for an Explorer. It can be difficult to find the cheapest car insurance policy, and getting advice from a licensed agent can give comfort knowing your policy gives you adequate coverage if you have an accident or claim.
To find a San Jose insurance agency using an interactive map, click the button link following the list or click here to compare price quotes now.
- Thachvu Ho – State Farm Insurance Agent
1025 Lincoln Ave – San Jose, CA 95125 – (408) 267-4100 - Al Olseen – State Farm Insurance Agent
3267 S White Rd – San Jose, CA 95148 – (408) 274-4900 - Debbie Yang – State Farm Insurance Agent
3484 Stevens Creek Blvd Ste A – San Jose, CA 95117 – (408) 261-1623 - HealthMarkets Insurance Agency
543 W Capitol Expy – San Jose, CA 95136 – (408) 441-7777