Ford Explorer Insurance Quotes in San Antonio

Insurance for Ford ExplorerScraping up a payment for pricey Ford Explorer insurance in San Antonio can dry up your savings account and require stricter spending habits. Doing a rate comparison can lower your rates and help to tighten up your finances.

It’s shocking but nearly 70% of customers have stayed with the same insurance company for well over three years, and almost half have never compared quotes from other companies. San Antonio consumers could save an average of nearly $1,766 each year, but they don’t believe the amount of money they would save if they changed companies. People have multiple insurance companies to choose from, and though it is a good thing to have a selection, it makes it harder to compare rates and cut insurance costs.

Buying the cheapest insurance in San Antonio is not that difficult. If you have a current insurance policy, you will definitely be able to find the best rates using the concepts covered in this article. Consumers just need to learn how to compare rates on the web.

Most companies like State Farm, Allstate and GEICO allow consumers to get coverage prices on their websites. The process is very simple as you simply enter the amount of coverage you want as requested by the quote form. When complete, their rating system automatically orders your driving record and credit report and returns a price quote based on these factors. This simplifies rate comparisons, and it’s absolutely necessary to compare as many rates as possible in order to find the best insurance rates.

To get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This ensures you will receive a fair comparison for similar insurance coverage.

The companies shown below offer comparison quotes in San Antonio, TX. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Coverage information

The price information shown below showcases estimates of coverage costs for Ford Explorer models. Having knowledge of how policy premiums are figured can be useful when making smart choices when selecting a coverage provider.


Ford Explorer Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $206 $338 $430 $26 $128 $1,128 $94
Explorer Eddie Bauer 2WD $206 $338 $430 $26 $128 $1,128 $94
Explorer XLT 4WD $206 $338 $430 $26 $128 $1,128 $94
Explorer XLT AWD $206 $338 $430 $26 $128 $1,128 $94
Explorer Eddie Bauer 4WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Eddie Bauer AWD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited 2WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited 4WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited AWD $232 $412 $430 $26 $128 $1,228 $102
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle garaging location which can modify premiums significantly.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below summarize how much more you’ll pay between high and low coverage deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.


Ford Explorer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $294 $408 $382 $22 $114 $1,245 $104
Explorer Eddie Bauer 2WD $294 $408 $382 $22 $114 $1,245 $104
Explorer XLT 4WD $294 $408 $382 $22 $114 $1,245 $104
Explorer XLT AWD $294 $408 $382 $22 $114 $1,245 $104
Explorer Eddie Bauer 4WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Eddie Bauer AWD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited 2WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited 4WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited AWD $332 $496 $382 $22 $114 $1,371 $114
Get Your Own Custom Quote Go

Ford Explorer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT 4WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT AWD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Eddie Bauer AWD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 2WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited AWD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can affect premiums substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $15 more each month or $180 for a full year than quoting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 17 months between claims, you would save more money if you choose a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $110
Average monthly premium for $500 deductibles (subtract): – $95
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

The chart below illustrates how your deductible choice and can impact Ford Explorer insurance costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.

Car insurance rates by gender and age in San Antonio

The diagram below shows the difference between Ford Explorer car insurance rates for male and female drivers. The rates are based on no claims or violations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.

The Ford Explorer Insurance Price Equation

Lots of things are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, but other factors are less obvious such as your marital status or how financially stable you are.

The items below are most of the major factors car insurance companies consider when setting rates.

Insurance protects more than just your car

Even though it’s not necessarily cheap to insure a Ford in San Antonio, insurance serves a purpose in several ways.

The benefits of having insurance are without a doubt worth the cost, especially if you ever need it. An average driver in America overpays as much as $855 a year so you should quote and compare rates at every policy renewal to make sure the price is not too high.