Who Has Cheap Auto Insurance for a Ford Explorer in Irvine?

Buying affordable coverage for a Ford Explorer in California is pretty easy to do, but it is dependent upon many factors such as driver age, whether or not you have filed claims in the past, and violations on your driving record. California drivers pay around $1,681 per year for Explorer insurance, but that figure is a projection based upon a 30-year-old single female driver with full coverage and $250 deductibles.

It’s more than likely you are not 30 years old and maybe not even female, married instead of single, or maybe you want different physical damage deductibles. Every driver’s needs are different, and that is why the best method for finding cheap insurance rates for your Ford is to do the rate comparisons yourself. Quotes are free and you can get rates from some of the cheapest companies around.

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The trim level of your vehicle can impact the cost of coverage, so the price you will be charged to insure a Explorer XLT 2WD trim level will cost $176 less than the price to insure the more well-appointed Explorer Limited AWD trim level, as shown in the prices below.

Ford Explorer Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $378 $582 $596 $36 $178 $1,770 $148
Explorer Eddie Bauer 2WD $378 $582 $596 $36 $178 $1,770 $148
Explorer XLT 4WD $378 $582 $596 $36 $178 $1,770 $148
Explorer XLT AWD $378 $582 $596 $36 $178 $1,770 $148
Explorer Eddie Bauer 4WD $428 $708 $596 $36 $178 $1,946 $162
Explorer Eddie Bauer AWD $428 $708 $596 $36 $178 $1,946 $162
Explorer Limited 2WD $428 $708 $596 $36 $178 $1,946 $162
Explorer Limited 4WD $428 $708 $596 $36 $178 $1,946 $162
Explorer Limited AWD $428 $708 $596 $36 $178 $1,946 $162
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location which can modify price quotes considerably.

Finding the highest-rated car insurance company is hard considering how many different companies insure vehicles in Irvine. The company rank data displayed below could help you select which coverage providers to look at when looking for cheaper rates.

These rankings are only comprised of large, nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for the list. If you’d like to compare prices from these top insurers and more, just click here.

Top 10 Major Auto Insurance Companies in Irvine Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Major Auto Insurance Companies in Irvine Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

The information below highlights how deductible choice can raise or lower insurance rates when getting quotes for cheap insurance for a Ford Explorer. The information is based on a single male driver, full coverage, and no policy discounts are applied.

In the chart above, a 40-year-old driver could cut expenses by $450 a year by changing from a $100 deductible up to a $500 deductible, or save $680 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, have the ability to save up to $1,466 annually by choosing larger deductibles on their policy. When using a larger deductible, it is necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Why you should be shopping around

California car insurance rates are influenced by many factors that may substantially change the price of your policy. Simply improving your credit, increasing deductibles, or getting into an accident may cause policy rate changes that can cause some rates to be more affordable than the competition.

Additionally, auto insurance companies change the rates they charge in California as often as every quarter to adjust for unexpected claims or profits. Significantly higher claims may result in a rate increase, while long-term profits may cause cheaper Explorer insurance rates.

To help illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Irvine, CA for a 45-year-old male driver with a good driving record, no prior claims, and a decent credit rating. When comparing rates based on his personal risk profile, USAA may have the best car insurance rates in Irvine at $1,181 annually. This is $470 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the top five cheapest Irvine, CA auto insurance companies.

In this example, we will give the driver from the first example a claim or two, a little lower credit rating, and a traffic citation. Due to the fact that every auto insurer has their own unique process for determining rates in each state, comparing insurance quotes may result in a slightly different list of the cheapest car insurance companies in Irvine as shown below.

Grange now has the best price on car insurance in Irvine with Allstate, Progressive, Mercury, and Allied now being in the top five. This example shows why it is crucial to shop around with many companies to get the most budget-friendly auto insurance quotes for a Ford Explorer.

Insurance rates can be altered by many different factors and can change substantially, so the cheapest company a year ago may now cost much more than other companies.

How to find economical auto insurance for a Ford Explorer

The list below summarizes a few money-saving solutions that can help Irvine drivers buy cheaper auto insurance.

That last tip is extraordinarily crucial, as was emphasized in this article. Insurance prices can be modified anytime, so you should be ready to buy a policy from a new company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. In just a few minutes you could shop around and find cheaper auto insurance for a Ford Explorer in Irvine.

The agents below can most likely help you determine which coverages are best, since some drivers aren’t sure which coverage they need and prefer to have a little guidance when shopping for cheaper insurance for a Ford Explorer. It can be time-consuming to find the cheapest rates, and a professional agent can add peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.

To locate an Irvine car insurance agency close to you, click the link at the bottom.

AIS | Auto Insurance Specialists | Irvine
16969 Von Karman Ave #100Irvine, CA 92606(949) 660-7061

Peter Green Insurance Agency LLC
3151 Airway Ave Suite F203Costa Mesa, CA 92626(714) 258-2800

Farmers Insurance – Al Kash
17702 Mitchell NIrvine, CA 92614(949) 216-3620

Farmers Insurance – Charmaine Lim
20 Pacifica #1450Irvine, CA 92618(949) 387-9999

Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor BlvdSanta Ana, CA 92704(562) 212-3290

View more Irvine, CA insurance agencies