Whenever people write about car insurance, the words “affordable” or “cheap” really should not be used as a descriptor for car insurance rates. Forgive the oxymoron, but cheap car insurance for a Ford Explorer just does not exist. But don’t despair, because we will show you how you can still find and buy insurance that is cheaper than your current rate.
Buying affordable coverage for a Ford Explorer in North Carolina hinges on a complicated rating formula that uses factors such as when you were born, if you have prior claims, and blemishes on your driving record. Drivers in North Carolina pay on average $730 a year to buy Ford Explorer insurance, but that figure is a valuation calculated using a 50-year-old married male driver who requires full comprehensive and collision coverage and $100 policy deductibles.
It’s highly likely you are not 50 and maybe not even a male, possibly single instead of married, or you just prefer to insure for liability only. Just a very minor change in rating variables or coverage information could end up in a significant change in policy price.
Everyone has unique insurance needs, and this illustrates why your best shot at finding the cheapest coverage for your Ford is to shop your policy around at every renewal. Rate quotes are easy and you will get price quotes from some of the cheapest companies that insure Ford vehicles in North Carolina.
Find Cheaper Ford Explorer Insurance
The specific model of Explorer can impact the annual cost of coverage, so the price you will pay to insure a Explorer XLT 2WD model will be $78 cheaper than the insurance cost for the fancier Explorer Limited AWD trim level, as shown in the table below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Explorer XLT 2WD | $168 | $270 | $240 | $14 | $72 | $764 | $64 |
Explorer Eddie Bauer 2WD | $168 | $270 | $240 | $14 | $72 | $764 | $64 |
Explorer XLT 4WD | $168 | $270 | $240 | $14 | $72 | $764 | $64 |
Explorer XLT AWD | $168 | $270 | $240 | $14 | $72 | $764 | $64 |
Explorer Eddie Bauer 4WD | $188 | $328 | $240 | $14 | $72 | $842 | $70 |
Explorer Eddie Bauer AWD | $188 | $328 | $240 | $14 | $72 | $842 | $70 |
Explorer Limited 2WD | $188 | $328 | $240 | $14 | $72 | $842 | $70 |
Explorer Limited 4WD | $188 | $328 | $240 | $14 | $72 | $842 | $70 |
Explorer Limited AWD | $188 | $328 | $240 | $14 | $72 | $842 | $70 |
Get Your Own Custom Quote Go |
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in specific North Carolina garaging location which can impact rates significantly.
Picking a high-quality auto insurance company is hard considering how many choices you have in North Carolina. The rank data in the lists below may help you decide which providers you want to consider when comparing rate quotes. The rankings below include companies with a nationwide focus, so companies with more of a regional focus are not included in these rankings.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Compare Rates Now Go |
Data Source: Insure.com Best Car Insurance Companies
The easiest way to enjoy cheap auto insurance premiums in North Carolina for an Explorer is to pay attention while driving and not get tickets or have accidents. The diagram below demonstrates how speeding tickets and at-fault claims can influence insurance prices for different age groups. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1849,2265,2677],[‘Age 30’, 1267,1681,2093],[‘Age 40’, 1181,1597,2007],[‘Age 50’, 1035,1451,1863],[‘Age 60’, 1001,1415,1831],[‘Age 70’, 1171,1587,1999]]);var options = {title: ‘Accidents, Violations, and North Carolina Ford Explorer Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in North Carolina’,minValue: 0,format: ‘$###,###’},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 a car insurance policy per year with a clean driving record and no accidents is $1,251. Add in two speeding tickets and the average cost rises to $1,666, an increase of $415 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Ford Explorer increases to an average of $2,078. That’s an increase of $828, or $69 per month, just for not driving safely!
Auto insurance companies that sell the cheapest insurance for a Ford Explorer in North Carolina may have discounts that can lower rates by 40% or more if you are eligible. Large auto insurance companies and a selection of discounts can be found below.
Discount | Allstate | Progressive | State Farm | Geico | Liberty Mutual |
---|---|---|---|---|---|
Bundled policies | Yes | Yes | Yes | Yes | Yes |
Multiple vehicles | No | Yes | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | No | Yes | Yes | Yes |
Air bags | Yes | No | Yes | Yes | Yes |
Daytime running lights | No | No | Yes | Yes | No |
New vehicle | Yes | No | Yes | No | No |
Green vehicle | Yes | No | No | No | Yes |
Accident-free | Yes | Yes | Yes | Yes | No |
Defensive driving course | Yes | Yes | Yes | Yes | No |
Low miles | Yes | Yes | Yes | No | Yes |
Active duty military | No | Yes | Yes | Yes | No |
Occupational | No | No | No | Yes | Yes |
Full payment | Yes | Yes | No | Yes | Yes |
Automatic payment | Yes | Yes | No | Yes | Yes |
Customer loyalty | No | Yes | Yes | No | No |
Smart student | Yes | Yes | Yes | Yes | Yes |
Distant student | Yes | Yes | Yes | No | Yes |
Own your home | No | Yes | No | No | No |
Seat belt usage | No | No | No | Yes | No |
Online quote | No | Yes | No | No | No |
Teenage driver | No | Yes | No | No | Yes |
Compare Prices Go |
The illustration below compares insurance rates with and without discounts being applied to the rates. Data assumes a male driver, no accidents or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multiple vehicle, passive restraint, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Ford Explorer is 34% or $740.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2961,2135],[‘Age 30’, 1551,1131],[‘Age 40’, 1533,1119],[‘Age 50’, 1393,1013],[‘Age 60’, 1345,977],[‘Age 70’, 1619,1173]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Ford Explorer’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}