Buying the cheapest car insurance for a Ford Explorer in Virginia hinges on a lot of rating criteria such as how you use your Explorer, your geographic location, and violations on your driving record. Virginia drivers will pay on average $808 annually to insure their Explorer, but that figure is an approximation calculated using a 50-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
If we were betting, you’re not a 50-year-old male, maybe you are married instead of single, and you want different coverage limits than the example. Every driver’s needs are different, and that is why the only way to find the most affordable coverage for your Ford is to do a thorough rate comparison.
Cheapest Ford Explorer Insurance Rates
The trim level of your Explorer impacts the insurance rate, so the rate you will pay to insure a Explorer XLT 2WD trim level will be $86 less expensive the cost to insure the more well-appointed Explorer Limited AWD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $170 | $284 | $290 | $18 | $88 | $850 | $71 |
| Explorer Eddie Bauer 2WD | $170 | $284 | $290 | $18 | $88 | $850 | $71 |
| Explorer XLT 4WD | $170 | $284 | $290 | $18 | $88 | $850 | $71 |
| Explorer XLT AWD | $170 | $284 | $290 | $18 | $88 | $850 | $71 |
| Explorer Eddie Bauer 4WD | $194 | $346 | $290 | $18 | $88 | $936 | $78 |
| Explorer Eddie Bauer AWD | $194 | $346 | $290 | $18 | $88 | $936 | $78 |
| Explorer Limited 2WD | $194 | $346 | $290 | $18 | $88 | $936 | $78 |
| Explorer Limited 4WD | $194 | $346 | $290 | $18 | $88 | $936 | $78 |
| Explorer Limited AWD | $194 | $346 | $290 | $18 | $88 | $936 | $78 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific Virginia Beach garaging location which can increase or decrease rates noticeably.
Deciding which company offers the cheapest insurance rates for a Ford Explorer will take more work in order to find the lowest price quote.
Every auto insurer has a different formula to set policy rates, so let’s rank the lowest cost insurance companies in Virginia.
Best Cheap Insurance Rates for Your Explorer
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $673 |
| 2 | USAA | $688 |
| 3 | Penn National | $740 |
| 4 | Cincinnati Insurance | $741 |
| 5 | The Hartford | $777 |
| 6 | Auto-Owners | $781 |
| 7 | Erie | $788 |
| 8 | Utica National | $788 |
| 9 | Virginia Farm Bureau | $810 |
| 10 | Donegal Mutual | $860 |
| 11 | Nationwide | $963 |
| 12 | ALFA | $998 |
| 13 | Allied | $1,012 |
| 14 | GEICO | $1,026 |
| 15 | National Grange Mutual | $1,060 |
| 16 | State Farm | $1,099 |
| 17 | Chubb | $1,101 |
| 18 | Electric | $1,180 |
| 19 | Progressive | $1,246 |
| 20 | California Casualty | $1,251 |
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Travelers generally has some of the most affordable car insurance rates in Virginia Beach at around $673 each year. USAA, Penn National, Cincinnati Insurance, and The Hartford also rank well as some of the most economical Virginia Beach, VA insurance companies.
As the rates illustrate above, if you are currently insured with Cincinnati Insurance and switched to USAA, you may see an annual premium reduction of about $53. Drivers with The Hartford might save as much as $89 a year, and Auto-Owners customers might see rate reductions of $93 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.
Remember that these prices are averages for all drivers and vehicles in Virginia and and are not calculated with a vehicle location for a Ford Explorer. So the car insurance company that is best suited for you may not even be in the top 30 companies shown above. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.
Get discounts on Virginia Beach auto insurance rates
Insurers that provide policies for a Ford Explorer could also offer premium discounts that may potentially lower prices by 40% or more if you can meet the requirements. The best insurance companies and some of the discounts are detailed below.
- State Farm may have discounts that include anti-theft, Drive Safe & Save, driver’s education, passive restraint, good driver, and student away at school.
- American Family offers discounts including Steer into Savings, accident-free, good driver, TimeAway discount, air bags, good student, and bundled insurance.
- AAA includes discounts for education and occupation, good driver, good student, AAA membership discount, pay-in-full, and multi-policy.
- GEICO has savings for daytime running lights, driver training, air bags, seat belt use, and five-year accident-free.
- Mercury Insurance offers discounts for annual mileage, accident-free, anti-theft, location of vehicle, and good student.
- Farmers Insurance may include discounts for teen driver, good student, distant student, homeowner, and youthful driver.
- Progressive may offer discounts for online quote discount, online signing, multi-vehicle, continuous coverage, multi-policy, and good student.
The illustration below compares insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, multiple policy, vehicle safety, homeowner, safe-driver, and anti-theft discounts applied. When these discounts are applied, the average savings per year on insurance for a Ford Explorer is 28% or $322.
Drive responsibly or pay higher rates
The recommended way to find low insurance prices for an Explorer is to pay attention while driving and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault claims increase insurance prices for different insured age categories. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Virginia per year with a clean driving record and no accidents is $1,640. Factor in one speeding ticket and the average cost rises to $1,846, an increase of $207 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Ford Explorer goes up to an average of $2,421. That’s an increase of $781, or $65 per month, just for being a careless driver!
Compare quotes and save
Virginia Beach insurance rates are impacted by many things that can increase the cost of having a policy. Improving your credit rating, adding a teenager to your policy, or getting a driving violation can produce rate changes that may make certain companies more affordable than before.
Additionally, car insurance companies file new Virginia auto insurance rates without warning as an adjustment for underwriting gains or losses. Larger than normal claims can result in increased rates, while long-term profits may cause more affordable Explorer insurance rates.
For instance, the bar chart below shows which companies have the cheapest car insurance in Virginia Beach, VA for a 45-year-old male driver with a good driving record, no prior claims, and a good credit rating. When comparing rates based on his personal risk profile, Travelers offers the most affordable car insurance rates in Virginia Beach at $789 a year. This is $369 less than the average premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National also make the list of the cheapest Virginia Beach, VA auto insurance companies.
The chart below compares rates after we give the driver in the first example a chargeable accident, less-than-perfect credit, and a traffic ticket or two. Due to the fact that every auto insurer has a different formula to determining premium rates, analyzing rate quotes will most likely result in a different list of companies as shown below.
Auto-Owners now has the best auto insurance rate in Virginia Beach, VA with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide now rounding out the top five. This demonstrates why consumers need to take the time to compare as many rates as possible to find the most economical insurance rates for a Ford Explorer.
Prices can be altered by many different factors and change dramatically, so the most economical option when you bought your policy may now be quite expensive.
The Virginia Beach auto insurance agencies shown below can help you determine which coverage fits your budget, since many consumers aren’t sure which coverage to buy and prefer to have a consultation when comparing insurance rates for a Ford Explorer. It can be difficult to find the best rates on your own, and getting professional guidance from a licensed agent can bring comfort knowing you have adequate coverage when you need it most.
To find an agent by location nearest to you, click the button following the list or click here to compare prices now.
- Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 - Lee Barnes – State Farm Insurance Agent
1625 Salem Rd Ste 103 – Virginia Beach, VA 23456 – (757) 467-8890 - Bordeaux Insurance Agency
4654 Haygood Rd – Virginia Beach, VA 23455 – (757) 460-6220 - Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550
More insurance agents in Virginia Beach, VA
Ideas for finding economical car insurance for a Ford Explorer
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help drivers locate more affordable coverage.
- Prevent price hikes by avoiding at-fault accidents
- Buying home and auto together can help save money
- Remove physical damage coverage on older vehicles
- Safer vehicles cost less to insure
- Good credit can save money
- Shop around and save
That last tip is remarkably necessary, as was discussed in this write-up. Auto insurance prices change frequently, so drivers shouldn’t be reluctant to buy from a different company if you find a better deal.
Loyalty to a specific company is fine, but is isn’t recommended if that inflexibility results in costing you thousands of dollars over the life of your policy. In just a couple of minutes you could shop around and find cheaper car insurance for a Ford Explorer in Virginia Beach.