How Much Does Insurance Cost for a Ford Explorer in Virginia?

Anytime the topic is auto insurance, the words “affordable” or “cheap” should not appear as a descriptor for car insurance rates. Regardless, cheap car insurance for a Ford Explorer can be difficult to find. Don’t let that get you down, though, because we are going to tell you how you can quote and buy auto insurance that is easy on your budget.

Finding the best cheap coverage for a Ford Explorer in Virginia hinges on a very complex rating algorithm that uses multiple factors such as if you have purchased a home, if you have prior claims, and if your driving record shows any at-fault accidents. Virginia drivers pay around $810 every 12 months to insure their Explorer, but that cost is an estimation based upon a 50-year-old single male driver who purchased full physical damage coverage and $250 physical damage deductibles.

There is a very good chance that you are not a 50-year-old male, married instead of single, and there is a good chance that other rated drivers impact the rate. Everone’s needs are different, and this illustrates why the best way to find the cheapest insurance price for your Ford is to compare as many rates as possible. Comparing quotes is easy and you will receive prices from some of the most affordable companies in Virginia.

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The trim level of your vehicle will have an impact the coverage cost, so the price you will pay to insure a Explorer XLT 2WD will cost $86 less than the price to insure the fancier Explorer Limited AWD trim level, as shown by the rates below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific garaging location which can impact coverage prices greatly.

Deciding which companies quote the cheapest auto insurance rates for a Ford Explorer will require more time in order to find the most economical policy. Every insurance company has their own guidelines to determine premium rates, so let’s take a look at the lowest cost auto insurance companies in Virginia.

It’s a good idea to be aware that Virginia auto insurance rates are determined by lots of factors that may substantially change the price of coverage. Simply having a birthday, getting married, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be cheaper than competitors.

Best Auto Insurance Prices for Your Explorer

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Travelers normally has some of the best car insurance rates in Virginia at around $653 a year. USAA, Penn National, Cincinnati Insurance, and Utica National are also some of the cheaper Virginia auto insurance companies.

As shown above, if you currently have a policy with Cincinnati Insurance and switched to USAA, you could see a yearly savings of in the vicinity of $25. Drivers with Utica National could save as much as $65 a year, and Auto-Owners insureds might see rate reductions of $72 a year.

It’s important to note that these rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Ford Explorer. So the car insurance company that is most affordable for your situation may not even be included in the company chart above. That affirms the importance of why you need to get quotes using your own specific driver information and vehicle.

Types of discounts on Virginia auto insurance

Insurance providers that provide cheap insurance for a Ford Explorer in Virginia may also give you premium discounts that could lower prices by as much as 30% if you meet eligibility requirements. Companies and their offered discounts can be found below.

• Progressive offers premium reductions for good student, homeowner, multi-policy, continuous coverage, and multi-vehicle.
• GEICO policyholders can earn discounts including driver training, good student, anti-lock brakes, five-year accident-free, seat belt use, and anti-theft.
• State Farm may have discounts that include student away at school, passive restraint, anti-theft, defensive driving training, and Steer Clear safe driver discount.
• Esurance includes discounts for good student, safety device, Switch & Save, anti-lock brakes, defensive driver, and DriveSense.
• The Hartford may include discounts for defensive driver, anti-theft, good student, driver training, vehicle fuel type, and bundle.

The chart below compares insurance costs with and without discounts applied to the premium. The information is based on a male driver, no violations or accidents, Virginia state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, accident-free, homeowner, anti-theft, claim-free, and multiple vehicle discounts applied. When discounts are applied, the the average yearly reduction on auto insurance for a Ford Explorer is 27% or $492.

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Here’s why you should shop around

Virginia auto insurance rates are impacted by many factors that control the cost of having a policy. Simply improving your credit, buying a different home, or having an accident may prompt premium changes that can make some companies cheaper than before.

Not only may your situation change, but insurance companies amend premium rates at least once a year in order to protect their financial rating. An extended period of higher than normal claims may result in increased rates, while long-term profits can produce lower-cost Explorer insurance rates.

The bar chart below shows a variety of companies that have the cheapest car insurance in Virginia for a 30-year-old male driver with no violations or accidents, and a good credit history. If we estimate prices based on his current risk profile, Travelers may offer the most affordable car insurance rates in Virginia at $679 per year. This is $479 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Utica National, and Cincinnati Insurance are the remainder of the top five cheapest Virginia auto insurance companies.

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The chart below compares rates after we give the driver from the first set of rates a chargeable claim, a little lower credit rating, and a traffic citation. Since each insurance company has a unique approach for setting rates, comparing rates may result in a different set of companies as shown below.

google.charts.setOnLoadCallback(drawVAWcqcibChart);function drawVAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Virginia Farm Bureau’, 882.2, ‘#FF8E00’],[‘The Hartford’, 889.9, ‘#D47600’],[‘Erie’, 893.2, ‘#B06200’],[‘Donegal Mutual’, 946, ‘#925100’],[‘Nationwide’, 1059.3, ‘#794300’]]);var options = {title: ‘Best Rates with Accidents and Violations’,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:1159.3,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);}

Virginia Farm Bureau now has the lowest price in Virginia with The Hartford, Erie, Donegal Mutual, and Nationwide also being competitive. This illustrates why it is important to compare lots of rates when trying to get affordable auto insurance quotes for a Ford Explorer.

Rates can be determined by many different factors and change substantially, so the best option three years ago may now be wasting a lot of money.

Find cheap insurance for a Ford Explorer in Virginia

The list below shows a few thrifty suggestions that can help Virginia drivers quote low-cost coverage.

• Do not get into accidents
• Full coverage may not be needed on older vehicles
• You will pay more if you get tickets or have at-fault accidents
• Raise comprehensive and collision coverage deductibles
• Discounts for being claim-free can be substantial
• Shop your coverage around for the best deal

That final tip is incredibly valuable, as was emphasized in the prior information. Coverage rates can change considerably in a year, so drivers shouldn’t be resistant to buy a policy from a new company if a more affordable rate is found.

Sticking with a specific company is fine, but it’s not a great idea if that loyalty results in overpaying a lot of money every month. Take a couple minutes and compare rates to find cheaper car insurance for a Ford Explorer.

Who has the cheapest Ford Explorer insurance quotes?

Drivers have a lot of ways to quote cheap auto insurance rates in Virginia, but the most prevalent ways are from a non-exclusive or independent agent, an exclusive insurance agency like State Farm or Liberty Mutual, or from a direct company like Progressive.

All three ways can provide auto insurance quotes, but each is slightly different in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can get policy pricing from every one. These types of agents possess the freedom to quote rates with many companies, which may provide you with improved odds of finding cheaper coverage. If they quote lower rates, it’s easy for the agent to move the policy which requires no work on your part.

An agent who is captive is only able to give rates for one company, examples being a Farmers or Allstate agent. Exclusive agents normally do not have the ability to give you multiple price quotes, which will not provide a complete price comparison.

The third way to buy auto insurance is direct which means you skip a local insurance agent and instead buy from a direct company like Esurance. Shopping direct can be good for families who have fewer assets and have a decent understanding of how their policy works.

So which way is best for finding cheap insurance for a Ford Explorer in Virginia? The quick answer would be buying direct results in the cheapest rates since there isn’t an agent involved, but unfortunately, it’s not that simple. A good argument could also be made that using an independent agent guarantees the best prices since they can quote with many companies, but that’s not always true, either. In the right set of circumstances, exclusive agents may have very competitive prices that are the cheapest.

Due to the large number of rating factors, the best method to buy the cheapest policy is to compare rate quotes from as many companies as possible. To find the best rates, be sure to get price quotes all three ways in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.