Buying cheaper insurance for a Ford Explorer in Arizona is usually pretty straightforward, but it is dependent upon a lot of rating criteria such as your marital status, your claims history, and if you have tickets or violations. Arizona drivers will pay around $838 annually for Explorer insurance, but that is an approximation based on a 50-year-old single male driver with full physical damage coverage and $500 deductibles.
There is a good probability you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. Having just a slight change in the rating criteria used to formulate rates can result in a large change in rates.
Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest rates for your Ford is to compare as many rates as possible. In less than five minutes you will receive rate quotes from the best auto insurance companies in Arizona.
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Your Ford’s trim level will have an impact the annual cost of coverage, so the price you pay to insure a Explorer XLT 2WD trim level will be $78 lower than the insurance cost for the more costly Explorer Limited AWD version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Explorer Eddie Bauer 2WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Explorer XLT 4WD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Explorer XLT AWD | $162 | $266 | $338 | $20 | $102 | $888 | $74 |
| Explorer Eddie Bauer 4WD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Explorer Eddie Bauer AWD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Explorer Limited 2WD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Explorer Limited 4WD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
| Explorer Limited AWD | $182 | $324 | $338 | $20 | $102 | $966 | $81 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can revise rates greatly.
Ending up with the highest-rated car insurance provider is difficult considering how many different companies there are to choose from in Arizona. The rank data listed below can help you pick which car insurance providers you want to consider when trying to find cheaper insurance for a Ford Explorer. The rankings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not taken into consideration for these 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 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Scottsdale auto insurance
Car insurance companies that offer coverage for a Ford Explorer may additionally offer special discounts that could lower prices by 25% or more if you are eligible. A list of companies and a summarized list of policyholder discounts can be read below.
- Esurance policyholders can earn discounts including multi-policy, anti-lock brakes, safety device, paid-in-full, claim free, emergency road assistance, and homeowner.
- The Hartford may have discounts that include vehicle fuel type, driver training, anti-theft, air bag, and good student.
- AAA offers discounts including AAA membership discount, anti-theft, pay-in-full, multi-car, education and occupation, and good driver.
- GEICO includes discounts for federal employee, emergency military deployment, seat belt use, driver training, multi-vehicle, and military active duty.
- State Farm may offer discounts for Drive Safe & Save, accident-free, anti-theft, multiple autos, and driver’s education.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, marriage, passive restraint, homeowner, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Ford Explorer is 28% or $526.
Full coverage versus liability-only in Scottsdale
Reducing the cost of insurance is the goal of the majority of vehicle owners, and one of the best ways to save on the cost of insurance for a Ford Explorer is to only buy liability insurance. The chart below illustrates the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or violations, $250 deductibles, marital status is single, and no additional discounts are factored in.
Averaged for all age groups, comprehensive and collision coverage on your policy costs an extra $1,741 per year more than carrying just liability coverage. That brings up the question if you should buy full coverage at all. There is no set rule to exclude full coverage, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
How to find cheaper insurance for a Ford Explorer
The list below summarizes a few thrifty ideas that can help Scottsdale drivers locate cheaper car insurance.
- Higher deductibles save money
- Vehicles with good safety ratings are usually cheaper to insure
- Do not pay for comprehensive and collision coverage on older vehicles
- Violations like speeding or DUI increase rates
- Better credit rating means better rates
- Avoid preventable accidents
- Comparison shop at least once a year
The last tip is especially valuable, as we stressed in the article above. Insurance prices in Scottsdale can change significantly in a year, so don’t hesitate to change insurance companies if a more affordable price is available.
Brand loyalty is great, but it’s not a good idea if that devotion results in you overpaying a small fortune. In less than five minutes you could shop around and find cheaper car insurance for a Ford Explorer.