Finding cheaper auto insurance for a Ford Explorer in Wisconsin is pretty straightforward, but it relies on many different factors such as the mileage of your daily commute, if you are a frequent claim filer, and any past driving violations you may have had. Drivers in Wisconsin will pay around $728 per year to insure their Explorer, but that is a valuation calculated based on a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
This brings up the issue that more than likely you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Everyone has unique insurance needs, and this illustrates why the way we recommend to find affordable rates for your Ford is to just take the time to compare rates yourself.
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Your Ford’s trim level tends to have a direct impact on price, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $66 cheaper than the price to insure the high end Explorer Limited AWD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $164 | $198 | $302 | $18 | $90 | $772 | $64 |
| Explorer Eddie Bauer 2WD | $164 | $198 | $302 | $18 | $90 | $772 | $64 |
| Explorer XLT 4WD | $164 | $198 | $302 | $18 | $90 | $772 | $64 |
| Explorer XLT AWD | $164 | $198 | $302 | $18 | $90 | $772 | $64 |
| Explorer Eddie Bauer 4WD | $186 | $242 | $302 | $18 | $90 | $838 | $70 |
| Explorer Eddie Bauer AWD | $186 | $242 | $302 | $18 | $90 | $838 | $70 |
| Explorer Limited 2WD | $186 | $242 | $302 | $18 | $90 | $838 | $70 |
| Explorer Limited 4WD | $186 | $242 | $302 | $18 | $90 | $838 | $70 |
| Explorer Limited AWD | $186 | $242 | $302 | $18 | $90 | $838 | $70 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific Milwaukee garaging location which can revise rates noticeably.
Ratings for Milwaukee insurance companies
Picking the highest-rated insurance provider is hard considering how many companies sell coverage in Milwaukee. The rank data listed below may help you select which companies to look at when comparing insurance rates for a Ford Explorer.
The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for the list. If you would like to check rates from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
Liability only or full coverage
Finding cheaper insurance should be important to the majority of people, and one good way to pay lower rates for insurance for a Ford Explorer is to buy only liability coverage. The illustration below compares car insurance rates with and without physical damage coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
If we average the cost for ages 20 through 70, comp and collision coverage costs $1,168 per year more than buying just liability insurance. Many drivers may wonder if it’s a good idea to buy full coverage. There is no set rule to stop buying full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s replacement cost is $8,500 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,500 after the policy deductible has been paid. If you are paying more than $750 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some cases where buying only liability insurance is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
The diagram below shows how different deductible levels can change premium costs when quoting cheap insurance for a Ford Explorer. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
A 50-year-old driver could reduce rates by $196 a year by switching from a $100 deductible to a $500 deductible, or save $296 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could drop their prices as much as $484 each year by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find low-cost car insurance for a Ford Explorer
It’s not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help Milwaukee drivers buy more affordable car insurance.
- Raise deductibles
- Being accident-free can lower rates significantly
- Drive safe vehicles
- Avoid speeding and other traffic citations and pay less
- Increase your credit rating
- Shop around for cheaper prices
That last tip is particularly important, as we emphasized in this article. Auto insurance prices can be modified anytime, so you should be ready to buy from a different company if a lower price can be found. Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying several hundred dollars every year. Now is a great time to shop around and find cheaper auto insurance for a Ford Explorer in Milwaukee.