Who Has Affordable Auto Insurance Rates for a Ford Explorer in Las Vegas?

Finding cheaper car insurance for a Ford Explorer is dependent upon a lot of things such as your birth date, your residence address, and citations or violations on your driving record. Nevada drivers will pay on average $1,162 a year to insure their Explorer, but that figure is an approximation calculated based on a 40-year-old single male driver with full coverage and $100 deductibles.

It’s more than likely you may not be 40 years old (or even male), married instead of single, or maybe you just want liability only instead of full coverage. Everone’s needs are different, and this illustrates why the only real way to find cheap insurance prices for your Ford is to compare as many rates as you can.

Cheapest Ford Explorer Insurance Rates

The trim level of your Ford can impact the coverage cost, so the price you pay to insure a Explorer XLT 2WD will be $132 cheaper than the cost to insure the more expensive Explorer Limited AWD version, as shown by the rates below.

Ford Explorer Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $260 $452 $372 $22 $112 $1,218 $102
Explorer Eddie Bauer 2WD $260 $452 $372 $22 $112 $1,218 $102
Explorer XLT 4WD $260 $452 $372 $22 $112 $1,218 $102
Explorer XLT AWD $260 $452 $372 $22 $112 $1,218 $102
Explorer Eddie Bauer 4WD $294 $550 $372 $22 $112 $1,350 $113
Explorer Eddie Bauer AWD $294 $550 $372 $22 $112 $1,350 $113
Explorer Limited 2WD $294 $550 $372 $22 $112 $1,350 $113
Explorer Limited 4WD $294 $550 $372 $22 $112 $1,350 $113
Explorer Limited AWD $294 $550 $372 $22 $112 $1,350 $113
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence insurance rates significantly.

Establishing which companies have the cheapest car insurance rates for a Ford Explorer will take a bit more effort in order to find the best policy.

Each company uses a slightly different approach to determine premium rates, so we’ll go over the car insurance companies with the overall best prices in Las Vegas, NV.

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Rankings for the cheapest car insurance companies in Nevada
Rank Company Cost Per Year
1 Allied $911
2 Travelers $939
3 Capital $978
4 Oregon Mutual $1,193
5 American Family $1,194
6 Progressive $1,202
7 GEICO $1,232
8 Safeco $1,306
9 Nationwide $1,321
10 USAA $1,323
11 Farmers $1,482
12 MetLife $1,567
13 Country $1,619
14 State Farm $1,698
15 Mercury $1,753
16 Victoria $2,011
17 Liberty Mutual $2,183
18 Bristol West $2,336
19 Allstate $2,408
20 Encompass $2,684
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Allied generally has some of the lowest car insurance rates in Las Vegas at around $911 annually. This is $663 less than the average price paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family also make the cut as some of the more affordable Las Vegas, NV insurance companies.

As shown in the table above, if you currently have a policy with American Family and switched to Travelers, you might see yearly savings of about $255. Drivers with Progressive could save as much as $263 a year, and GEICO customers might lower prices by $293 a year.

To find out how your current rates compare, click here or visit any of the companies below.

Be aware that those estimates are averaged for all drivers and vehicles in Nevada and do not factor in a vehicle location for a Ford Explorer. So the company that fits your situation best may not even be in the top 20 companies shown above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

Get discounts on Las Vegas auto insurance

Cheaper Las Vegas, NV car insurance for an ExplorerInsurance companies that offer coverage for a Ford Explorer may also offer policy discounts that can reduce rates by 25% or more if you meet eligibility requirements. A few of the larger companies and a selection of discounts can be read below.

The information below illustrates the comparison of annual premium costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving citations, Nevada state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, marriage, homeowner, anti-theft, passive restraint, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for a Ford Explorer is 28% or $413.

Rate comparison of full coverage and liability-only

Finding the cheapest car insurance should be important to most drivers, and a good way to buy cheaper insurance for a Ford Explorer is to only buy liability insurance. The illustration below illustrates the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $100 deductibles, single status, and no discounts are factored in.

If we average all the age groups together, physical damage coverage costs an additional $1,940 per year more than just insuring for liability. That is a large expense and it proposes the question if you should buy full coverage. There is no definitive formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

A good deal can quickly turn bad

Nevada car insurance rates are impacted by many factors which can substantially change the cost of a policy. Simply turning a year older, buying a different vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can make some companies cheaper than before.

In addition to those changes, auto insurance companies file new rates multiple times each year to help ensure profitability. Larger than normal claims may result in high rates, while a better loss history may result in cheaper Explorer insurance rates.

For example, the data below shows rates for the cheapest car insurance in Las Vegas, NV for a 35-year-old male driver with a clear driving record, no claims, and excellent credit. Based on his current risk profile, Travelers quotes the most affordable car insurance rates in Las Vegas at $1,605 each year. This is $31 more than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also included in the cheapest Las Vegas, NV auto insurance companies.

Now we will pretend the driver from above a couple of claims, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has a proprietary method for establishing rates, comparing rates may now show a significantly different list of companies as shown below.

GEICO now has the lowest price in Las Vegas, NV with Allied, Nationwide, USAA, and Safeco also being competitive. This demonstrates why consumers need to take the time to compare many different companies when trying to find the most economical car insurance rates for a Ford Explorer. Auto insurance prices can be altered by many different factors and change substantially, so the best price when you last compared rates may now be wasting a lot of money.

The Las Vegas car insurance agencies listed below can help you make a decision which coverages and limits you need, since some people have coverage questions and would like to have a professional recommendation when comparing insurance rates for a Ford Explorer. It can be complicated to do it yourself, and getting professional guidance from a licensed agent can bring comfort knowing you have enough coverage if you have a claim. To locate a Las Vegas car insurance agency near you, click the link after the list or click here to compare price quotes.

View map of Las Vegas, NV insurance agents

How to find cheaper insurance for a Ford Explorer

The list below details some penny-pinching solutions that can help drivers find cheap coverage.

That final tip is extremely significant, as we stressed in this piece. Coverage rates fluctuate considerably, so drivers shouldn’t be resistant to switch to a new company if you find a cheaper price.

Staying with the same car insurance company is fine, but it’s not a good idea if that devotion results in you overpaying a small fortune. Spend a few minutes and shop around and find cheaper insurance for a Ford Explorer in Las Vegas.