Who Has Cheap Insurance for a Ford Explorer in Wyoming?

Who Has Cheap Insurance for a Ford Explorer in Wyoming?

The odds of finding affordable coverage for a Ford Explorer in Wyoming depends on a complicated rating formula that uses factors such as whether you use your Explorer for business use, if you have a coverage lapse, and your choice of deductibles. Wyoming drivers pay an average of $960 annually for Explorer insurance, but that cost is a valuation based on a 50-year-old married male with full coverage and $250 deductibles.

It’s more than likely that you are not 50 and possibly not even male, maybe you are single instead of married, or you need different deductibles. Changing even a minor factor in rating variables can make a huge difference in the rate quoted for a Ford Explorer.

Every driver’s needs are different, and that is why the only way to find the cheapest insurance price for your Ford is to shop your policy around at every renewal. Get your free quotes now and you will receive rate quotes from top-rated companies that insure vehicles in Wyoming.

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Your Ford’s trim level tends to impact the cost of insurance, so the rate you will pay to insure a Explorer XLT 2WD trim level will be $98 less than the price to insure the higher-priced Explorer Limited AWD version, as shown in the prices below.

Ford Explorer Insurance Rates in Wyoming
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $216 $326 $344 $20 $102 $1,008 $84
Explorer Eddie Bauer 2WD $216 $326 $344 $20 $102 $1,008 $84
Explorer XLT 4WD $216 $326 $344 $20 $102 $1,008 $84
Explorer XLT AWD $216 $326 $344 $20 $102 $1,008 $84
Explorer Eddie Bauer 4WD $244 $396 $344 $20 $102 $1,106 $92
Explorer Eddie Bauer AWD $244 $396 $344 $20 $102 $1,106 $92
Explorer Limited 2WD $244 $396 $344 $20 $102 $1,106 $92
Explorer Limited 4WD $244 $396 $344 $20 $102 $1,106 $92
Explorer Limited AWD $244 $396 $344 $20 $102 $1,106 $92
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can revise premium rates significantly.

Finding the best insurer is hard considering how many choices there are in Wyoming. The company rank data in the next section can help you select which car insurance companies to look at when shopping car insurance rates for a Ford Explorer.

The rankings below include companies with a nationwide focus, so companies without a large exposure are not included in this list. If you wish to compare prices from these top-rated insurers and more, click this link.

Wyoming Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Wyoming car insurance rates

Cheaper Wyoming auto insurance for an ExplorerInsurers that sell cheap insurance for a Ford Explorer in Wyoming may have premium discounts that could reduce prices by as much as 30% if you are eligible to receive them. Larger auto insurance companies and their offered discounts are detailed below.

  • Progressive may have discounts that include multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and online signing.
  • SAFECO includes discounts for multi-car, anti-lock brakes, drive less, safe driver, and bundle discounts.
  • American Family may offer discounts for accident-free, air bags, Steer into Savings, good student, and bundled insurance.
  • MetLife has discounts for claim-free, accident-free, multi-policy, good student, good driver, and defensive driver.
  • GEICO may include discounts for air bags, daytime running lights, multi-policy, seat belt use, multi-vehicle, membership and employees, and federal employee.
  • The Hartford offers discounts including bundle, anti-theft, vehicle fuel type, defensive driver, and good student.

The example below shows the comparison of premium costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no claims, Wyoming state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, accident-free, homeowner, vehicle safety, marriage, and passive restraint discounts applied. When discounts are applied, the the amount saved on auto insurance for a Ford Explorer is 28% or $497.

The information below highlights how deductible choice can increase or decrease insurance costs when researching cheap insurance for a Ford Explorer. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 30-year-old driver could pocket $402 a year by switching from a $100 deductible to a $500 deductible, or save $610 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could roll back prices up to $890 every year just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Cheapest car insurance: Progressive, Allstate, Geico, or State Farm

If you want the best insurance for an Explorer in Wyoming, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. Combined they make up almost half of the entire U.S. car insurance market. All of them have somewhat different options that drivers can select from. The data below rates price and claims rank as well as some different options that policyholders can buy.

Comparison of Top Four U.S. Auto Insurance Companies
Progressive Allstate Geico State Farm
Customer Satisfaction 3rd 2nd 1st 4th
Claims Rank 4th 1st 3rd 2nd
Price Overall 3rd 4th 1st 2nd
Policy Discounts 4th 1st 2nd 3rd
Rating from A.M. Best A+ A+ A++ A++
Standard & Poor’s rating AA AA- AA+ AA
Accident forgiveness Yes Yes Yes No
New car replacement No Yes No No
Rating based on usage Yes Yes No Yes
Breakdown insurance Yes No Yes No
Rideshare coverage Yes Yes Yes Yes
Roadside service Yes Yes Yes Yes
Available in Wyoming Yes Yes Yes Yes
Where to buy Buy online or from an independent agent Only buy from Allstate agents From a Geico agent or online Only from State Farm agents
Number of agents 30,000+ 11,000+ 150+ 18,000+
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