Buying competitive insurance for a Ford Explorer in Ohio can be really easy, but it hinges on a lot of rating criteria such as whether you are married, the condition of your credit, and physical damage deductibles. Drivers in Ohio will pay around $637 annually for Explorer insurance, but that amount is an estimate based on a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high probability that you’re not a 30-year-old male, possibly married instead of single, and you need different coverage limits than the sample rates. Having what appears to be a very minor change in rating criteria or coverage limits can result in a large change in the price of a policy.
Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap insurance rates for your Ford is to compare as many rates as possible. Quotes only take a couple of minutes and you will receive prices from the cheapest companies available.
Your vehicle’s trim level tends to have a direct effect on the yearly cost, so the price to insure a Explorer XLT 2WD model will be $50 less than the insurance cost for the more well-appointed Explorer Limited AWD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$124||$152||$298||$18||$88||$680||$57|
|Explorer Eddie Bauer 2WD||$124||$152||$298||$18||$88||$680||$57|
|Explorer XLT 4WD||$124||$152||$298||$18||$88||$680||$57|
|Explorer XLT AWD||$124||$152||$298||$18||$88||$680||$57|
|Explorer Eddie Bauer 4WD||$140||$186||$298||$18||$88||$730||$61|
|Explorer Eddie Bauer AWD||$140||$186||$298||$18||$88||$730||$61|
|Explorer Limited 2WD||$140||$186||$298||$18||$88||$730||$61|
|Explorer Limited 4WD||$140||$186||$298||$18||$88||$730||$61|
|Explorer Limited AWD||$140||$186||$298||$18||$88||$730||$61|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific garaging location which can raise or lower rates greatly.
Determining which companies have the most affordable insurance rates for a Ford Explorer will take more time than just comparing a company or two.
Each company has a proprietary formula for determining rates in each state, so let’s take a look at the insurance companies that tend to have lower prices in Columbus, OH. It’s important to know that Ohio insurance rates are based on many factors that can increase the price of your policy. Simply improving your credit, getting married, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being cheaper than competitors.
Cheap Insurance Rates for Your Explorer
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$771|
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Utica National has some of the cheapest car insurance rates in Columbus at around $654 a year. Allied, Erie, Frankenmuth, and Travelers are also some of the lowest-priced Columbus, OH insurance companies.
As shown above, if you currently have coverage with Travelers and switched to Allied, you might realize savings of approximately $50. Ohio drivers with USAA might save as much as $65 a year, and Merchants Insurance Group customers might reduce prices by as much as $95 a year.
To discover how much you can save, click here to get quotes or click through to the companies below.
It’s important to note that these prices are averages across all ages of drivers and types of vehicles and are not factoring in a specific location for a Ford Explorer. So the car insurance company that can offer you the lowest price may not even be in the top 33 companies shown above. That illustrates why you need to get rate quotes using your own driver and vehicle profiles.
The information below highlights how deductible selection can increase or decrease insurance prices when researching cheap insurance for a Ford Explorer. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could pocket $162 a year by switching from a $100 deductible to a $500 deductible, or save $246 by selecting a $1,000 deductible. Young drivers, like the Age 20 category, could shave $400 annually just by using higher deductibles. If you do raise deductibles, it will be required to have spare funds to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discounts on Columbus car insurance rates
Car insurance companies that sell policies for a Ford Explorer may provide special discounts that may potentially lower prices by 35% or more if you meet the requirements. Large insurance companies and a partial list of their discounts can be read below.
- State Farm offers discounts including driver’s education, anti-theft, good driver, safe vehicle, and multiple autos.
- American Family has discounts for multi-vehicle, accident-free, Steer into Savings, TimeAway discount, mySafetyValet, and early bird.
- GEICO may have discounts that include emergency military deployment, five-year accident-free, daytime running lights, federal employee, good student, and multi-vehicle.
- 21st Century may offer discounts for anti-lock brakes, teen driver, air bags, early bird, and driver training.
- Progressive offers discounts for continuous coverage, homeowner, online quote discount, multi-policy, multi-vehicle, and good student.
The diagram below illustrates the comparison of insurance premiums with and without some available policy discounts. The data is based on a female driver, no claims or violations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, anti-theft, homeowner, marriage, multiple vehicle, and passive restraint discounts applied. With discounts applied, theamount saved on insurance for a Ford Explorer is 27% or $411.
How to find cheaper car insurance for a Ford Explorer
Below you’ll find some of the recommended money-saving ideas that can help Ohio drivers locate cheaper coverage.
- Buying home and auto together can help save money
- Do not insure for full coverage
- Avoid price increases by not filing claims
- Higher credit scores may earn you cheaper rates
- Higher comprehensive and collision coverage deductibles will save money
- Choose a safer vehicle and pay lower rates
- Keep rates low by comparing prices once a year
The last item on the list is remarkably significant, as we pointed out in the prior article. Insurance prices change constantly, so drivers shouldn’t hesitate to change to a new company if a lower-cost policy is available.
Staying with the same company for years is fine, but it’s not a great idea if that dedication is costing hundreds of dollars year after year. Now is a great time to compare prices and find cheaper car insurance for a Ford Explorer in Columbus.
The Columbus auto insurance agencies shown below are willing to aid you in deciding which coverage fits your budget, since lots of people like to get some guidance when trying to find the best insurance rates for an Explorer. It can be hard to find the cheapest rate yourself, so professional agents can bring peace of mind knowing your coverage gives you adequate coverage when you need it most.
To find a Columbus insurance agency by location nearest to you, click the button following the list.
Bob Zedeker II – State Farm Insurance Agent
3250 W Henderson Rd Ste 101 – Columbus, OH 43220 – (614) 457-5070
Jack Gilkerson – State Farm Insurance Agent
4232 E Main St – Whitehall, OH 43213 – (614) 237-4256
Wiles Insurance Agency
348 Granville St – Gahanna, OH 43230 – (614) 536-0370
Nikki Ogunduyile – State Farm Insurance Agent
20 S 3rd St #210 – Columbus, OH 43215 – (614) 274-7130
Bud Kulp – State Farm Insurance Agent
1707 Bethel Rd – Columbus, OH 43220 – (614) 459-2424