Buying competitive coverage for a Ford Explorer depends on a complicated rating formula that uses factors such as how safe your vehicle is, where you live, and your choice of physical damage deductibles. Drivers pay on average $1,029 a year for Explorer insurance, but that is based upon a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
The problem with using this number is the good chance you’re not a 40-year-old male, single instead of married, and maybe your Explorer is older and does not require full coverage. Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest coverage for your Ford is to do the rate comparisons yourself.
The specific model of Explorer tends to have a direct impact on the cost of insurance, so the price to insure a Explorer XLT 2WD will be $106 lower than the price to insure the more well-appointed Explorer Limited AWD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$246||$346||$362||$22||$108||$1,084||$90|
|Explorer Eddie Bauer 2WD||$246||$346||$362||$22||$108||$1,084||$90|
|Explorer XLT 4WD||$246||$346||$362||$22||$108||$1,084||$90|
|Explorer XLT AWD||$246||$346||$362||$22||$108||$1,084||$90|
|Explorer Eddie Bauer 4WD||$278||$420||$362||$22||$108||$1,190||$99|
|Explorer Eddie Bauer AWD||$278||$420||$362||$22||$108||$1,190||$99|
|Explorer Limited 2WD||$278||$420||$362||$22||$108||$1,190||$99|
|Explorer Limited 4WD||$278||$420||$362||$22||$108||$1,190||$99|
|Explorer Limited AWD||$278||$420||$362||$22||$108||$1,190||$99|
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can raise or lower price quotes significantly.
Choosing the right insurance company can be challenging considering how many choices there are in Colorado. The rank data in the next section could help you select which car insurance companies to look at when comparing rate quotes.
The rankings below are only comprised of companies with a national presence, so companies with more of a regional focus are not factored into the list. To get rate quotes from these companies and more, follow this link.
Top 10 Major Auto Insurers in Aurora Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- Titan Insurance – A+
- The Hartford – A+
Discounts on Aurora car insurance rates
Car insurance companies that sell policies for a Ford Explorer may additionally offer discounts that could lower prices by as much as 35% or more if you meet the requirements. A few of the larger companies and a summarized list of policyholder discounts include:
- State Farm discounts include good driver, passive restraint, anti-theft, accident-free, and multiple autos.
- Progressive offers discounts including homeowner, online quote discount, continuous coverage, good student, multi-policy, online signing, and multi-vehicle.
- Progressive offers premium reductions for continuous coverage, online quote discount, online signing, multi-policy, homeowner, multi-vehicle, and good student.
- MetLife may have discounts that include claim-free, accident-free, multi-policy, defensive driver, good student, and good driver.
- Farm Bureau has discounts for renewal discount, multi-vehicle, safe driver, good student, and driver training.
- GEICO may include discounts for anti-lock brakes, driver training, good student, membership and employees, air bags, defensive driver, and emergency military deployment.
- SAFECO may offer discounts for teen safety rewards, teen safe driver, multi-car, homeowner, safe driver, and bundle discounts.
The information below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, claim-free, vehicle safety, defensive driving course, multiple vehicle, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a Ford Explorer is 28% or $553.
Compare quotes and save
Aurora car insurance rates are based on many factors which can substantially change the price you pay. Improving your credit score, increasing liability limits, or having a fender bender can trigger changes in premium that may make certain companies cheaper than before. In addition to those changes, insurers change their prices as often as every quarter to ensure their profitability. Higher than normal claims may cause higher priced premiums, while a better loss history may cause cheaper Explorer insurance rates.
To illustrate this point, the graph below shows the cheapest car insurance in Aurora, CO for a 35-year-old female driver with no prior claims, no tickets, and a good credit rating. Based on her current risk factors, The Hartford has the most affordable car insurance rates in Aurora at $1,096 a year. This is $482 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers round out the rest of the best Aurora, CO auto insurance companies.
Now we will pretend the driver from the first example some claims, a little lower credit rating, and a few traffic violations. Because each company has their own process for filing rates in each state, comparing prices most likely will result in a substantially altered list of cheap Aurora auto insurance companies as shown below.
Auto-Owners now has the best auto insurance rate in Aurora, CO with State Farm, American Family, Progressive, and Grange now rounding out the top five. This demonstrates why it is so important to take the time to shop around to get the most economical auto insurance quotes for a Ford Explorer. Auto insurance prices are influenced by many factors and can change without notice, so the cheapest option the last time you compared rates may now be one of the higher cost companies.
How to find economical insurance for a Ford Explorer
Here are some of the recommended thrifty ideas that can help Aurora drivers quote lower-cost coverage.
- Do not get traffic citations
- Increase your credit score
- Increase your comprehensive and collision deductibles
- Accident-free drivers may qualify for discounts
- Buy a vehicle with excellent safety ratings
- Compare prices as often as possible
The final tip is particularly crucial, as was discussed in this write-up. Coverage rates fluctuate constantly, so don’t be afraid to switch carriers if you find a cheaper price.
Brand loyalty is not necessarily bad, but we do not recommend it if your bullheadedness ends up costing you a lot of money every month. Now is a great time to compare rates and find cheaper car insurance for a Ford Explorer in Aurora.