Who Has Cheap Insurance for a Ford Explorer in Tennessee?

Who Has Cheap Insurance for a Ford Explorer in Tennessee?

The chances of buying the cheapest auto insurance for a Ford Explorer in Tennessee is contingent on a whole bunch of factors such as how old the Explorer is, your claims history, and deductibles for comprehensive and collision coverage. Tennessee drivers pay around $930 a year to buy Ford Explorer insurance, but that policy rate is a projection based on a 40-year-old married male who needs comprehensive and collision coverage and $100 physical damage deductibles.

There is a very good chance that you are not 40 and possibly not even male, you might be single instead of married, and you want different coverage limits than the example. Even a very minor difference in the criteria used to calculate rates can create big changes in policy price.

Every driver has different characteristics, so the way we recommend to find the cheapest rates for your Ford is to just compare rates yourself.

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Your vehicle’s trim level will be a contributing factor to price, so the price you will pay to insure a Explorer XLT 2WD model will be $102 cheaper than the price to insure the fancier Explorer Limited AWD trim level, as shown in the table below.

Ford Explorer Insurance Rates in Tennessee
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $226 $340 $298 $18 $90 $972 $81
Explorer Eddie Bauer 2WD $226 $340 $298 $18 $90 $972 $81
Explorer XLT 4WD $226 $340 $298 $18 $90 $972 $81
Explorer XLT AWD $226 $340 $298 $18 $90 $972 $81
Explorer Eddie Bauer 4WD $256 $412 $298 $18 $90 $1,074 $90
Explorer Eddie Bauer AWD $256 $412 $298 $18 $90 $1,074 $90
Explorer Limited 2WD $256 $412 $298 $18 $90 $1,074 $90
Explorer Limited 4WD $256 $412 $298 $18 $90 $1,074 $90
Explorer Limited AWD $256 $412 $298 $18 $90 $1,074 $90
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can raise or lower rates significantly.

Shopping around for low-priced insurance is not most people’s favorite thing to do, and determining which company quotes the cheapest insurance rates for a Ford Explorer calls for even more perseverance. Every car insurance company has a unique formula for establishing rates, so let’s take a look at the most competitive insurance companies in Tennessee.

It’s important to understand that Tennessee insurance rates are calculated based on many things that control the price you pay for coverage. Simply getting older, becoming a homeowner, or getting a few speeding tickets can trigger price changes that can cause some rates to be cheaper in comparison to the competition.

Best Cheap Insurance Rates for Your Explorer

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Who has the cheapest car insurance in Tennessee?
Rank Company Cost Per Year
1 Utica National $744
2 Auto-Owners $852
3 Cincinnati Insurance $876
4 Penn National $926
5 Tennessee Farmers $933
6 USAA $947
7 Erie $997
8 Nationwide $1,042
9 Westfield $1,047
10 Allied $1,049
11 GEICO $1,156
12 Travelers $1,165
13 Progressive $1,178
14 State Farm $1,201
15 Direct General $1,214
16 The Hartford $1,221
17 Shelter $1,235
18 State Auto $1,241
19 21st Century $1,313
20 Chubb $1,316
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Utica National may have some of the most affordable car insurance rates in Tennessee at around $744 annually. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also are some of the cheapest Tennessee car insurance companies.

As the rates illustrate above, if you are currently insured with Penn National and switched to Auto-Owners, you might realize an annual savings of in the vicinity of $74. Drivers with Tennessee Farmers might save as much as $81 a year, and USAA insureds might lower prices by $95 a year.

To find cheap insurance for a Ford Explorer in Tennessee for your vehicle, click here to begin a quote or visit any of the companies below.

Remember that these estimates are averaged across all drivers and vehicles and and are not figured with a specific rating modification for a Ford Explorer. So the auto insurance company that is best for you may not even be included in the rate chart shown above. That helps illustrate why you need to get car insurance quotes using your own personal information and vehicle type.

The illustration below demonstrates how choosing different deductibles can change insurance rates when quoting cheap insurance for a Ford Explorer. The costs are based on a married male driver, full coverage, and no policy discounts are applied.

In the chart above, a 50-year-old driver could lower their car insurance rates by $212 a year by switching from a $100 deductible up to a $500 deductible, or save $320 by using a $1,000 deductible. Younger drivers, like the age 20 example, can cut up to $694 each year just by choosing higher deductibles. When choosing a higher deductible, it is important to have additional savings on hand to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Discounts on cheap insurance for a Ford Explorer in Tennessee

Discounts on insurance for a Ford ExplorerInsurance companies that offer cheap quotes for a Ford Explorer may provide rate discounts that could lower prices by as much as 25% or more if you are eligible for them. Large insurance companies and some of the premium reductions they offer are shown below.

Car Insurance Discounts Available by Company
Discount Progressive State Farm Geico Allstate Liberty Mutual Nationwide Farmers
Multiple policies Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes Yes No No
Air bags No Yes Yes Yes Yes Yes Yes
New vehicle No Yes No Yes No Yes Yes
Eco vehicle No No No Yes Yes No Yes
Safe driver Yes Yes Yes Yes No Yes Yes
Defensive driver training Yes Yes Yes Yes No Yes Yes
Low miles Yes Yes No Yes Yes Yes No
Active duty military Yes Yes Yes No No No Yes
Occupational No No Yes No Yes Yes Yes
Pay in full Yes No Yes Yes Yes Yes Yes
Automatic payment Yes No Yes Yes Yes Yes Yes
Customer loyalty Yes Yes No No No Yes Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Student at college Yes Yes No Yes Yes Yes Yes
Own your home Yes No No No No No Yes
Seat belt use No No Yes No No No No
Quote online Yes No No No No No No
Teen driver Yes No No No Yes No No
Federal employee No No Yes No No No No
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The illustration below visualizes the comparison of insurance costs with and without some available policy discounts. The premiums assume a male driver, no claims, a clean driving record, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, multiple policy, safe-driver, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a Ford Explorer is % or $.