What Insurance is Cheapest for a Ford Explorer in Dallas?

Finding the cheapest car insurance for a Ford Explorer in Texas hinges on a lot of rating criteria such as the mileage of your daily commute, the likelihood of your vehicle being stolen, and your policy deductibles. Drivers in Texas will pay on average $1,117 annually to insure their Explorer, but that figure is a projection calculated using a 40-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.

Odds are that you may not be 40 years old (or even male), possibly single instead of married, or maybe you just want liability only instead of full coverage. Auto insurance requires individual risk assessment, so the way we recommend to find cheap car insurance rates for your Ford is to compare rates from as many companies as possible. Quotes are free and you will receive prices from some of the most affordable companies in Texas.

Compare Ford Explorer Insurance Rates

Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the price to insure a Explorer XLT 2WD trim level will be $114 less expensive the insurance cost for the higher-priced Explorer Limited AWD version, as demonstrated by the prices below.

Ford Explorer Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $268 $376 $392 $24 $118 $1,178 $98
Explorer Eddie Bauer 2WD $268 $376 $392 $24 $118 $1,178 $98
Explorer XLT 4WD $268 $376 $392 $24 $118 $1,178 $98
Explorer XLT AWD $268 $376 $392 $24 $118 $1,178 $98
Explorer Eddie Bauer 4WD $302 $456 $392 $24 $118 $1,292 $108
Explorer Eddie Bauer AWD $302 $456 $392 $24 $118 $1,292 $108
Explorer Limited 2WD $302 $456 $392 $24 $118 $1,292 $108
Explorer Limited 4WD $302 $456 $392 $24 $118 $1,292 $108
Explorer Limited AWD $302 $456 $392 $24 $118 $1,292 $108
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in zip code location which can revise insurance rates significantly.

Insuring your vehicle with a high-quality company can be a challenge considering how many companies are available to choose from in Texas. The company ratings listed below can help you analyze which insurers to look at comparing prices from.

These ratings are only made up of companies that insure vehicles nationwide, so companies that may only write in Texas are not factored into the list. If you wish to compare rates from these and other companies in Texas, simply click here.

Best Ten Car Insurance Companies for a Ford Explorer in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how your deductible choice can impact annual premium costs when quoting cheap insurance for a Ford Explorer. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could reduce rates by $326 a year by increasing from a $100 deductible to a $500 deductible, or save $492 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could drop their prices as much as $1,056 annually by choosing a higher deductible.

When raising deductibles, it will be important to have additional funds in a savings account to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Can you find cheaper Explorer insurance?

Texas car insurance rates are impacted by many things which can substantially change the policy premium. Simply having another birthday, becoming a homeowner, or having a fender bender may cause policy rate changes that can make some companies cheaper than competitors. Not only that, but auto insurance companies amend pricing multiple times each year to help ensure profitability. A period of increased losses may cause more expensive premiums, while a lower level of claims may cause lower-cost Explorer insurance rates.

As an example, the bar chart below shows which company has the cheapest car insurance in Dallas, TX for a 30-year-old male driver with no accidents or violations, and a good credit history. If we compare prices based on his current risk factors, Travelers has the best car insurance rates in Dallas at $1,338 a year. This is $566 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the most affordable Dallas, TX auto insurance companies.

Now we will give the driver from the first rate comparison an accident surcharge, less-than-perfect credit, and a speeding citation. Since each auto insurance company uses a different method for filing rates in each state, analyzing rate quotes most likely will result in a different set of affordable Dallas car insurance companies as shown below.

Mercury now has the cheapest price in Dallas with State Farm, USAA, Safe Auto, and Nationwide also being competitive. This example shows why it is critical to shop around to find the best insurance quotes for a Ford Explorer.

Insurance rates can be determined by many things and can change without notice, so the lowest-price company six months ago may now be priced much higher than other options.