Cheapest Insurance Quotes for a Ford Explorer in North Dakota

Cheapest Insurance Quotes for a Ford Explorer in North Dakota

When we talk about car insurance, the word cheap really shouldn’t be used as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for a Ford Explorer can be extremely hard to find. Don’t let that get you down, though, because we can show you some ways you can still find and buy coverage that is more affordable.

Your odds of finding cheap auto insurance for a Ford Explorer in North Dakota relies on many factors like how experienced of a driver you are, the size of your vehicle, and the deductible amount you use. Drivers will pay around $1,020 per year to buy insurance for a Ford Explorer, but that cost is an estimation calculated based on a 50-year-old single female that includes full coverage including both comprehensive and collision and $100 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 50 years old (or even female), you might be married instead of single, or maybe your driving record has a blemish or two. Have just a small change in policy rating data could end up in a significant change in the cost of insuring your Explorer.

Car insurance prices are based on the driver profile the most reliable way to find the cheapest insurance price for your Ford is to comparison shop your policy at each renewal. In just a few minutes you will be able to compare rates from some of the best insurers available.

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Your vehicle’s trim level tends to impact the cost of insurance, so the price to insure a Explorer XLT 2WD trim level will be $110 less than the cost to insure the higher-end Explorer Limited AWD version, as shown in the chart below.

Ford Explorer Insurance Rates in North Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $224 $380 $342 $20 $102 $1,068 $89
Explorer Eddie Bauer 2WD $224 $380 $342 $20 $102 $1,068 $89
Explorer XLT 4WD $224 $380 $342 $20 $102 $1,068 $89
Explorer XLT AWD $224 $380 $342 $20 $102 $1,068 $89
Explorer Eddie Bauer 4WD $252 $462 $342 $20 $102 $1,178 $98
Explorer Eddie Bauer AWD $252 $462 $342 $20 $102 $1,178 $98
Explorer Limited 2WD $252 $462 $342 $20 $102 $1,178 $98
Explorer Limited 4WD $252 $462 $342 $20 $102 $1,178 $98
Explorer Limited AWD $252 $462 $342 $20 $102 $1,178 $98
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can affect price quotes significantly.

Shopping around for low-priced car insurance is not easy, and figuring out which companies offer the cheapest car insurance rates for a Ford Explorer may require even more rate comparisons.

Each insurer has a unique formula to determine rates, so let’s begin by examining the lowest cost car insurance companies in North Dakota. Keep in mind that North Dakota car insurance rates are based on many factors that control the price you have to pay. This price variation is why consumers need to do a thorough rate comparison to get the most budget-friendly auto insurance rates for a Ford Explorer. Car insurance prices are calculated by many different factors and can change substantially, so the most affordable company the last time you checked may now be priced much higher than other options.

Best Car Insurance Prices for Your Explorer

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Cheapest auto insurance in North Dakota ranked by cost per year
Rank Company Cost Per Year
1 USAA $732
2 Allied $894
3 Nodak Mutual $956
4 Grinnell $1,028
5 State Farm $1,120
6 Safeco $1,122
7 State Auto $1,313
8 Progressive $1,333
9 Auto Club Group $1,444
10 Auto-Owners $1,450
11 Allstate $1,474
12 American Family $1,522
13 MetLife $1,573
14 EMC $1,720
15 National Farmers Union $1,806
16 GEICO $2,059
17 North Star $2,064
18 Farmers $2,137
19 Liberty Mutual $2,399
20 Dairyland $5,196
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USAA generally has some of the lowest car insurance rates in North Dakota at around $732 annually. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the most economical North Dakota auto insurance companies.

As shown in the table above, if you currently have coverage with Allied and switched to USAA, you could earn annual savings of around $162. Drivers with Nodak Mutual could save as much as $224 a year, and Grinnell insureds might reduce rates by $296 a year.

To get a quick, customized rate comparison, click here or visit any of the low-priced companies below.

It’s important to note that these premiums are averages for all types of insureds and vehicles and are not factoring in a specific rating modification for a Ford Explorer. So the company that fits your situation best may not even be included in the list above. That illustrates why you need to compare as many prices as possible using your own specific driver and vehicle information.

Safe drivers pay less for car insurance

The recommended way to obtain the best car insurance premiums in North Dakota for an Explorer is to drive attentively and avoid accidents and traffic citations. The illustration below demonstrates how traffic citations and at-fault collisions raise insurance costs for each different age category. The rate quotes are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2425,2641,4583],[‘Age 30’, 1667,1885,3829],[‘Age 40’, 1553,1771,3713],[‘Age 50’, 1357,1579,3521],[‘Age 60’, 1313,1531,3473],[‘Age 70’, 1531,1751,3693]]);var options = {title: ‘Impact of Tickets and Claims on North Dakota Ford Explorer Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy per year with no violations or accidents is $1,641. Receive one speeding ticket and the average cost hikes up to $1,860, an increase of $219 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Explorer increases to an average of $3,802. That’s an increase of $2,161, or $180 per month, just for a couple of infractions!

What aren’t you shopping around?

North Dakota car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. Improving your credit rating, buying a different home, or getting a driving violation may cause policy rate changes that can now make some companies more affordable than others.

Not only may your situation change, but car insurance companies file new rates every year to help ensure profitability. Heavy losses may result in more expensive premiums, while a better claims history may result in cheaper Explorer insurance rates.

To help illustrate this point, the chart below shows the cheapest car insurance in North Dakota for a 35-year-old female driver with no accidents or violations, and a good credit history. If we compare prices based on her current risk factors, USAA offers the lowest car insurance rates in North Dakota at $725 each year. This is $937 less than the average rate paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and State Farm are the remaining most affordable North Dakota auto insurance companies.

google.charts.setOnLoadCallback(drawNDWitcqcibChart);function drawNDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 725, ‘#528E00’],[‘Allied’, 921, ‘#447600’],[‘Nodak Mutual’, 946, ‘#386200’],[‘Grinnell’, 1059, ‘#2E5100’],[‘State Farm’, 1142, ‘#264300’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Explorer’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1242,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver from the first set of rates a claim or two, less-than-perfect credit, and an imperfect driving record. Because each insurer has their own formula to set premium rates, getting updated rate quotes may now show a significantly different list of the cheapest North Dakota car insurance companies as shown below.

google.charts.setOnLoadCallback(drawNDWcqcibChart);function drawNDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Progressive’, 1409.1, ‘#F57E00’],[‘Nodak Mutual’, 1419, ‘#CC6900’],[‘State Auto’, 1444.3, ‘#AA5700’],[‘Allied’, 1473.6, ‘#8D4800’],[‘Auto-Owners’, 1564.2, ‘#753C00’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1664.2,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Progressive now has the cheapest rate in North Dakota with Nodak Mutual, State Auto, Allied, and Auto-Owners now being in the top five. This example demonstrates why it is crucial to do a thorough rate comparison to get the best insurance quotes for a Ford Explorer.

Auto insurance prices are impacted by many things and can change without notice, so the cheapest option the last time you compared rates may now be wasting a lot of money.

How to find cheaper auto insurance for a Ford Explorer

Below you’ll find some of the recommended penny-pinching ideas that can help drivers quote the cheapest car insurance.

  • Keep your driving record clean
  • Buy your homeowners policy from the same company as your auto insurance
  • Pay for small claims rather than turning them in to your insurance company
  • Do not insure for full coverage
  • At-fault accidents will increase rates
  • Vehicles with good safety ratings are usually cheaper to insure
  • Keep rates low by shopping around frequently

That final tip is very necessary, as was discussed in the prior information. Prices charged by companies can be changed at any time, so don’t be tentative to buy from a new company if a better rate can be found.

Having a favorite company is great, but is isn’t recommended if that faithfulness ends up costing you lots of hard earned cash every month. Take a few minutes and compare prices and find cheaper auto insurance for a Ford Explorer.

Best cheap Ford Explorer insurance quotes

Consumers have many ways to compare cheaper car insurance rates in North Dakota, but the most frequently used methods are through an independent insurance agent, an exclusive insurance agent such as Liberty Mutual or State Farm, or direct online or over the phone from a company like Progressive or Geico. Each way has the same basic steps, but car insurance buyers need to understand the differences in how they price policies.

Independent insurance agencies have contracts with many companies and can get rate quotes from every one. Independent agents can sell policies from many different companies and can give you more rates, which may provide you with a better chance of saving money. If your agent finds a cheaper company, the business is moved internally which prevents you from having to find an new insurance agent.

An exlusive, or captive, agency is restricted to quoting rates for a single company, for example an Auto-Owners or Allstate agent. Exclusive agents cannot shop your coverage around, which does not give you the best rate comparison.

The last way is buying direct, which means you bypass local insurance agents and instead buy buying direct from a company like Geico or Progressive. Buying direct may be a decent choice people who do not need advice for risk management and have a decent understanding of what coverage limits and deductibles they need.

Which method works best to buy the cheapest insurance for a Ford Explorer in North Dakota? The quick answer would be buying from a direct company saves the most money because there isn’t an agent involved, but in reality, that is not true. We’d also like to say using an independent agent guarantees the cheapest rates because they can quote many companies, but that’s not always true, either. In many cases, exclusive agents may have very competitive prices that cannot be met by either independent or direct companies.

Since car insurance prices are based on many different factors, the one way to get the lowest rate is to get as many comparison quotes as possible. In a perfect world, youll get price quotes from independent, exclusive, and direct to have enough rates to compare. For a list of companies with some of the cheapest North Dakota car insurance rates, click here to view.