Best Cheap Insurance for a Ford Explorer in Maine

Best Cheap Insurance for a Ford Explorer in Maine

Your chances of buying affordable coverage for a Ford Explorer in Maine is contingent on a pretty complex algorithm that uses a lot of factors like miles driven annually, your credit rating, and driving violations. Drivers pay on average $620 per year for Explorer insurance, but that amount is a projection calculated based on a 30-year-old married female that wants full physical damage coverage and $250 deductibles.

There is a really good chance that you are not 30 and maybe not even a female, you might be single instead of married, or maybe you want more liability coverage than is required by law in Maine. Just a very minor change in rating factors or requested coverage amount can cause large differences in rate quotes.

Auto insurance is unique to every driver, so your best chance at finding cheap insurance rates for your Ford is to comparison shop your policy at each renewal. In less than five minutes you can get rates from the best auto insurance companies that insure vehicles in Maine.

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The trim level of your Ford will be a contributing factor to the cost of coverage, so the price you will be charged to insure a Explorer XLT 2WD model will be $66 less than the cost to insure the higher-priced Explorer Limited AWD version, as shown in the table below.

Ford Explorer Insurance Rates in Maine
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $152 $214 $208 $12 $62 $648 $54
Explorer Eddie Bauer 2WD $152 $214 $208 $12 $62 $648 $54
Explorer XLT 4WD $152 $214 $208 $12 $62 $648 $54
Explorer XLT AWD $152 $214 $208 $12 $62 $648 $54
Explorer Eddie Bauer 4WD $172 $260 $208 $12 $62 $714 $60
Explorer Eddie Bauer AWD $172 $260 $208 $12 $62 $714 $60
Explorer Limited 2WD $172 $260 $208 $12 $62 $714 $60
Explorer Limited 4WD $172 $260 $208 $12 $62 $714 $60
Explorer Limited AWD $172 $260 $208 $12 $62 $714 $60
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maine minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can revise premium rates considerably.

Determining which company offers the cheapest auto insurance rates for a Ford Explorer will require a bit more work in order to find coverage that fits your buget. Each auto insurance company has their own process for setting rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in Maine.

It’s important to understand that Maine auto insurance rates are influenced by many factors that control your annual premium. Simply having a birthday, moving to a different location, or having an at-fault accident may prompt premium changes that can make some companies more affordable than others.

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Maine car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $612
2 USAA $622
3 Countryway Insurance $699
4 Vermont Mutual $714
5 Patriot $731
6 The Hartford $742
7 MetLife $778
8 OneBeacon $833
9 Concord $840
10 MMG Insurance $923
11 Progressive $939
12 State Farm $952
13 Peerless $1,022
14 Liberty Mutual $1,125
15 GEICO $1,241
16 Allstate $1,305
17 Bristol West $1,719
18 Sentry $2,022
19 Hanover $2,152
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Travelers may have some of the cheapest car insurance rates in Maine at around $612 a year. USAA, Countryway Insurance, Vermont Mutual, and Patriot would also make the list of some of the lowest-priced Maine insurance companies.

In the above example, if you currently have a policy with Vermont Mutual and switched to USAA, you might realize a yearly price reduction of around $92. Policyholders with Patriot could save as much as $109 a year, and The Hartford customers might cut rates by $120 a year.

These policy rates are averaged for all drivers and vehicles in Maine and do not take into consideration a specific rate value for a Ford Explorer. So the car insurance company that is best for you may not even be in the above rate chart. That illustrates why you need to get auto insurance quotes using your own specific driver and vehicle information.

Accidents and violations increase rates

The ideal way to maintain the best cheap insurance for a Ford Explorer in Maine is to be a cautious driver and avoid accidents and traffic violations. The chart below shows how violations and fender-benders can drive up auto insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $744. Receive one speeding ticket and the average cost surges to $869, an increase of $125 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance for a Ford Explorer jumps again to an average of $2,048. That’s an increase of $1,304, or $109 per month, just for not being more responsible behind the wheel!

How to find low-cost auto insurance for a Ford Explorer

The list below details many thrifty solutions that can help Maine drivers buy lower-cost auto insurance.

  • On older vehicles, drop full coverage
  • Increase deductibles to save money
  • Pay for small claims rather than turning them in to your insurance company
  • Get cheaper liability coverage by choosing a safer vehicle
  • Buying home and auto insurance together can earn discounts
  • Drivers with good credit ratings often pay less
  • Compare rates often to find the best deal

The final tip is remarkably important, as we stressed in this write-up. Coverage rates adjust often, so don’t be unwilling to buy a policy from a new company if a better deal can be had. Loyalty to a specific company is fine, but we do not recommend it if that loyalty results in overpaying a small fortune year after year. Take a couple minutes and shop around and find cheaper car insurance for a Ford Explorer.