Ford Explorer Insurance Quotes in San Antonio

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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
Get Your Own Custom Quote Go

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.

  • Little extras can really add up - Insurance companies have many add-on coverages you can purchase when buying car insurance. Coverages like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage are some examples. The coverages may be enticing initially, but if they're wasting money remove them and pocket the money.
  • More people means more accidents - Choosing to live in a small town is a positive aspect when buying car insurance. Drivers in populated areas regularly have more road rage incidents and longer commute times. Less people living in that area means reduced accidents in addition to fewer liability claims.
  • Lower car insurance rates with continuous coverage - Driving with no insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine. You may then have to file a SR-22 with the Texas motor vehicle department to get your license reinstated.
  • Driving citations will cost you - Even one speeding ticket or other violation may cause rates to rise forty percent or more. Drivers with clean records have lower premiums compared to bad drivers. Drivers who have gotten dangerous violations like DUI or willful reckless driving may need to complete a SR-22 to the state department of motor vehicles in order to continue driving.

    The information below demonstrates how traffic citations and at-fault fender-benders can impact Ford Explorer premium costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

  • Younger drivers pay high prices - Inexperience drivers are statistically proven to be less responsible when driving so they pay higher car insurance rates. Older drivers are more cautious drivers, are lower risk to insure, and usually have better credit.

    The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Ford Explorer insurance loss probability - Insurance companies use data from past claims when they set coverage costs for each model. Models that the statistics show to have a higher amount or frequency of claims will cost more to insure. The next table shows the loss history for Ford Explorer vehicles.

    For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Values below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or tendency to have larger claims.

    Ford Explorer Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Explorer 4dr 2WD 80 90 79 75 70 82
    Ford Explorer 4dr 4WD 94 94 97 75 70 85
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

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.

  • Most states have minimum mandated liability insurance limits which means the state requires a specific level of liability protection if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Ford Explorer has a lienholder, it's guaranteed your bank will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Ford at a more expensive rate and require you to fork over much more than you were paying before.
  • Insurance protects both your Ford and your personal assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Ford gets damaged, your policy will pay to restore your vehicle to like-new condition.

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.