What Car Insurance is Cheapest for a Ford Explorer in Tampa?

Buying competitive car insurance for a Ford Explorer in Florida depends on a lot of factors such as the safety rating of your vehicle, your profession, and citations or violations on your driving record. Drivers in Florida will pay on average $1,252 a year to insure their Explorer, but that is a valuation based upon a 30-year-old single female driver with full physical damage coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you’re not a 30-year-old female, possibly married instead of single, or maybe you want more liability coverage than is required by law in Florida. Having the smallest difference in policy rating criteria or coverages could end up with a large change in the cost of insurance for a Ford Explorer.

Having different needs demonstrates why the best method for finding affordable rates for your Ford is to just take the time to compare rates yourself.

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The trim level of your Ford will be a contributing factor to the yearly cost, so the rate you pay to insure a Explorer XLT 2WD model will be $102 less than the price to insure the more expensive Explorer Limited AWD version, as demonstrated by the prices below.

Ford Explorer Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $222 $346 $564 $34 $168 $1,334 $111
Explorer Eddie Bauer 2WD $222 $346 $564 $34 $168 $1,334 $111
Explorer XLT 4WD $222 $346 $564 $34 $168 $1,334 $111
Explorer XLT AWD $222 $346 $564 $34 $168 $1,334 $111
Explorer Eddie Bauer 4WD $250 $420 $564 $34 $168 $1,436 $120
Explorer Eddie Bauer AWD $250 $420 $564 $34 $168 $1,436 $120
Explorer Limited 2WD $250 $420 $564 $34 $168 $1,436 $120
Explorer Limited 4WD $250 $420 $564 $34 $168 $1,436 $120
Explorer Limited AWD $250 $420 $564 $34 $168 $1,436 $120
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in zip code location which can impact prices significantly.

Finding out which companies quote the most affordable car insurance rates for a Ford Explorer involves a bit more effort in order to find coverage that fits your budget. Every car insurance company uses a slightly different approach for setting rates, so we’ll go over the car insurance companies with the overall best prices in Tampa, FL.

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $948
2 Electric $1,746
3 Amica $1,764
4 Progressive $1,847
5 Travelers $1,888
6 Allied $1,945
7 Mercury $1,973
8 Esurance $2,020
9 State Farm $2,047
10 Auto-Owners $2,107
11 GEICO $2,172
12 Allstate $2,317
13 21st Century $2,445
14 Windhaven Insurance $2,549
15 MetLife $2,870
16 Safeco $2,987
17 Hanover $3,054
18 Liberty Mutual $3,131
19 United Automobile $3,562
20 Infinity $4,045
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USAA may offer some of the most affordable car insurance rates in Tampa at around $948 a year. This is $1,500 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also rank well as some of the best Tampa, FL insurance companies.

As shown in the rates above, if you currently buy coverage from Electric and switched to USAA, you may see a yearly price reduction of roughly $798. Drivers with Amica might save as much as $816 a year, and Progressive policyholders might realize rate reductions of up to $899 a year.

Bear in mind that those policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact location for a Ford Explorer. So the car insurance company that has the lowest price for you may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own driver data and vehicle information.

Irresponsible driving raises your rates

One of the best ways to earn cheap car insurance rates in Tampa for an Explorer is to drive cautiously and avoid accidents and traffic violations. The information below shows how violations and at-fault fender-benders can drive up car insurance costs for each age group. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in Florida per year with no accidents or violations is $1,855. Get one speeding ticket and the average cost increases to $2,134, an increase of $279 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford Explorer jumps again to an average of $2,901. That’s an increase of $1,046, or $87 per month, just for being a less-than-perfect driver!

Why you are probably overpaying for Explorer insurance

Tampa car insurance rates are based on many factors which can substantially change the policy price. Simply getting older, becoming a homeowner, or having a fender bender can trigger changes in premium that may make certain companies much cheaper than others. Not only may your risk profile change, but companies file new rates at least once a year in order to maintain liquidity for claims. A period of higher than normal claims can cause higher rates, while a lower level of claims may produce lower-cost Explorer insurance rates.

For example, the chart below demonstrates which company has the cheapest car insurance in Tampa, FL for a 40-year-old male driver with no accidents or violations, and great credit. When comparing rates based on his current rating profile, USAA might quote the lowest car insurance rates in Tampa at $1,473 per year. This is $975 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the list of the cheapest Tampa, FL auto insurance companies.

In this next rate comparison, we will give the driver from above a chargeable claim, a lower credit score, and a speeding ticket. Due to the fact that every auto insurer has a unique formula for determining rates in each state, comparing rates may now result in a slightly different list of cheap Tampa auto insurance companies as shown below.

USAA now has the best price on car insurance in Tampa, FL with Allied, Esurance, State Farm, and GEICO also being competitive. This demonstrates why consumers need to take the time to spend some time comparing rates to get affordable car insurance quotes for a Ford Explorer.

Car insurance prices consist of many factors and change dramatically, so the best price two years ago may now be one of the more expensive options.