Buying competitive insurance for a Ford Explorer in Texas is dependent upon a whole bunch of factors such as whether you are married, the likelihood of vehicle theft, and citations or violations on your driving record. Drivers in Texas pay around $1,278 a year to insure their Explorer, but that amount is an approximation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 50 years old and maybe not even female, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Not everyone needs the same coverages, so the best way to find the cheapest rates for your Ford is to do a thorough rate comparison. Quotes are free and you will receive price comparisons from some of the most affordable companies that sell coverage in Texas.
Compare Ford Explorer Insurance Rates
Your Ford’s trim level will influence the cost of insurance, so the rate you will pay to insure a Explorer XLT 2WD will be $140 cheaper than the insurance cost for the higher-end Explorer Limited AWD trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Explorer Eddie Bauer 2WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Explorer XLT 4WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Explorer XLT AWD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Explorer Eddie Bauer 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Explorer Eddie Bauer AWD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Explorer Limited 2WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Explorer Limited 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Explorer Limited AWD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate information does not factor in zip code location which can affect prices greatly.
Trying to buy low-priced auto insurance is not the easiest thing to accomplish, and finding out which company has the cheapest auto insurance rates for a Ford Explorer may require additional perseverance. Every insurance provider uses their own calculation for establishing rates, so let’s take a look at the overall cheapest auto insurance companies in Houston, TX.
It’s a good idea to be aware that Houston auto insurance rates are influenced by many factors which can substantially change the price of coverage. This price variability is why Houston drivers need to perform an extensive rate comparison when trying to find the most economical insurance rates for a Ford Explorer. Car insurance prices are impacted by many things and change dramatically, so the most economical company when you bought your policy may now not even be in the top five.
Find the Best Cheap Insurance for Your Explorer
Travelers normally has some of the most affordable car insurance rates in Houston at around $1,021 per year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper Houston, TX insurance companies.
As illustrated above, if you currently have coverage with Germania Mutual and switched to USAA, you could realize savings of in the vicinity of $128. Insureds with Esurance may save as much as $293 a year, and California Casualty customers might realize rate reductions of up to $296 a year.
Understand that those premium estimates are averaged for all drivers and vehicles in Texas and and are not calculated with an exact location for a Ford Explorer. So the insurer that has the cheapest rates for you may not even be in the top 23 companies shown above. That is why you need to quote rates from many companies using your own driver and vehicle profiles.
How to get discounts on Houston insurance
Car insurance companies that offer cheap quotes for a Ford Explorer may also give you premium discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. The best auto insurance companies and some of the discounts are shown below.
- GEICO may offer discounts for anti-theft, military active duty, five-year accident-free, good student, and driver training.
- Travelers includes discounts for save driver, new car, continuous insurance, student away at school, and multi-car.
- Nationwide has savings for Farm Bureau membership, good student, accident-free, business or organization, and defensive driving.
- Farmers Insurance discounts include pay in full, youthful driver, multi-car, business and professional, distant student, teen driver, and mature driver.
- Esurance may include discounts for claim free, multi-policy, homeowner, good driver, emergency road assistance, and defensive driver.
- State Farm may have discounts that include anti-theft, multiple policy, Steer Clear safe driver discount, student away at school, and good student.
- Progressive offers premium reductions for online quote discount, online signing, good student, homeowner, continuous coverage, and multi-vehicle.
- Mercury Insurance offers discounts including age of vehicle, multi-policy, professional/association, ease of repair, location of vehicle, good student, and multi-car.
The example below shows the comparison of insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, accident-free, defensive driving course, multiple vehicle, anti-theft, and claim-free discounts applied. When discounts are applied, theaverage amount saved on auto insurance for a Ford Explorer is 28% or $661.
Are you paying too much for car insurance?
Houston, TX auto insurance rates are determined by lots of factors that control the price of coverage. Simply getting older, adding a teenager to your policy, or getting into an accident may generate price changes that can make some companies cheaper than competitors.
Not only may your situation change, but companies change rates at least once a year in order to offset underwriting gains or losses. Heavier than normal losses may cause increased policy costs, while long-term profits may produce lower-cost Explorer insurance rates.
For example, the data below shows a variety of companies that have the cheapest car insurance in Houston, TX for a 45-year-old female driver with no prior claims, no tickets, and solid credit. If we compare prices based on her current risk profile, Travelers might quote the most affordable car insurance rates in Houston at $1,222 annually. This is $682 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the best Houston, TX auto insurance companies.
Let’s now give the driver in the first example a couple of claims, a lower credit rating, and a couple of points charged on her driving record. Due to the fact that each insurance company uses their own method for filing rates in each state, getting updated rate quotes could result in a substantially altered list of the cheapest car insurance companies in Houston as shown below.
Mercury now has the best auto insurance rate in Houston with State Farm, Safe Auto, USAA, and Nationwide also being competitive. This example demonstrates why consumers need to compare lots of rates to find the most budget-friendly insurance rates for a Ford Explorer.
Car insurance prices can be determined by many risk factors and can increase or decrease at any time, so the most economical company two years ago may now be one of the higher cost companies.