Who Has Cheap Insurance for a Ford Explorer in Nevada?

Who Has Cheap Insurance for a Ford Explorer in Nevada?

The chances of finding affordable insurance for a Ford Explorer in Nevada relies on a lot of rating factors such as age of the vehicle, whether you have good credit, and any prior driving citations you have received. Drivers will pay around $880 every 12 months to insure an Explorer, but that policy rate is based on rates for a 50-year-old married female that purchased full comprehensive and collision coverage and $100 policy deductibles.

If we were betting, you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you live in a different area as the quoted rates. What appears to be a small change in policy rating variables can cause significant differences in the cost of insuring your Explorer.

Car insurance coverage is unique to each driver, so this is why the only real way to find cheap insurance prices for your Ford is to do the rate comparisons yourself. In just a couple of minutes you will receive prices from some of the most affordable companies that insure Ford vehicles in Nevada.

Find Cheaper Ford Explorer Insurance

The trim level of your vehicle will have an impact the cost of coverage, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $98 lower than the price to insure the more costly Explorer Limited AWD version, as shown in the prices below.

Ford Explorer Insurance Rates in Nevada
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $204 $326 $290 $18 $86 $924 $77
Explorer Eddie Bauer 2WD $204 $326 $290 $18 $86 $924 $77
Explorer XLT 4WD $204 $326 $290 $18 $86 $924 $77
Explorer XLT AWD $204 $326 $290 $18 $86 $924 $77
Explorer Eddie Bauer 4WD $230 $398 $290 $18 $86 $1,022 $85
Explorer Eddie Bauer AWD $230 $398 $290 $18 $86 $1,022 $85
Explorer Limited 2WD $230 $398 $290 $18 $86 $1,022 $85
Explorer Limited 4WD $230 $398 $290 $18 $86 $1,022 $85
Explorer Limited AWD $230 $398 $290 $18 $86 $1,022 $85
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in specific location which can modify price quotes substantially.

Which car insurance company is best in Nevada?

Selecting a good quality insurer is difficult considering how many companies sell coverage in Nevada. The information shown next could help you analyze which coverage providers to look at when insurance shopping for a Ford Explorer.

The ratings below include major nationwide insurance companies, so smaller regional companies are not factored into these rankings. To get rate quotes from the most competitive companies in Nevada, follow this link.

Top 10 Major Auto Insurance Companies Overall in Nevada

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top Companies for Ford Explorer Insurance in Nevada

The example below illustrates how your deductible choice can raise or lower insurance costs when searching for cheap insurance for a Ford Explorer. The data assumes a single female driver, full coverage, and no policy discounts are applied.

The data above shows that a 50-year-old driver could lower rates by $304 a year by changing from a $100 deductible to a $500 deductible, or save $460 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could reduce their rates up to $764 each year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be required to have emergency funds available to offset the extra out-of-pocket expense that comes with higher deductibles.

Which major car insurance company is best?

When it comes to insurance for an Explorer in Nevada, the companies with the most market share are State Farm, Geico, Progressive, and Allstate. Between them, they make up almost 50% of the car insurance market in the United States. Each company has a slightly different mix of options and features that drivers can select from. The next table illustrates price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.

Car Insurance Companies Compared
State Farm Geico Progressive Allstate
Client Satisfaction 4th 1st 3rd 2nd
Policy Cost 2nd 1st 3rd 4th
Number of Discounts 3rd 2nd 4th 1st
Claims Service 2nd 3rd 4th 1st
U.S. market share 18.3% 11.4% 8.8% 10%
Customer recommendation 88% 87% 88% 86%
Rideshare insurance Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
Rating based on usage Yes No Yes Yes
Mechanical breakdown insurance No Yes Yes No
Roadside assistance Yes Yes Yes Yes
New car replacement coverage No No No Yes
Offered in Nevada Yes Yes Yes Yes
Where you can buy State Farm exclusive agents Can buy online or use a Geico agent Online or from independent agents Only buy from Allstate agents
Number of agents 18,000+ 150+ 30,000+ 11,000+
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