Cheap Ford Explorer Sport Car Insurance in 2025 (Best 10 Companies for Savings!)

These companies cater to the specific needs of Ford Explorer owners, offering policies that blend affordability with extensive protection. Drivers benefit from the unique advantages each provider offers, ensuring they can choose the best option for their situation.

Our Top 10 Company Picks: Cheap Ford Explorer Sport Car Insurance

With their commitment to excellence and customer satisfaction, these insurers ensure securing your vehicle is a hassle-free experience.

Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code above for the best insurance rates possible.

#1 – Allstate: Top Overall Pick

Pros

• Safe Driver Rewards: Allstate rewards safe driving habits with significant premium reductions.
• Accident Forgiveness: Includes accident forgiveness policies to prevent rate increases after one accident.
• Innovative Tools: Offers tools like Drivewise to monitor driving habits and provide discounts. Learn more in our Allstate insurance review & ratings.

Cons

• Higher Rates for High-Risk Drivers: Rates can escalate quickly for those with less-than-perfect driving records.
• Policy Upselling: Customers may experience frequent upselling of additional features.

#2 – State Farm: Best for Drive Safe

Pros

• Bundling Policies: Offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: Provides a substantial discount for drivers with low annual mileage.
• Wide Coverage: Extensive array of coverage options tailored to different needs. See more details on our State Farm car insurance review & ratings.

Cons

• Limited Multi-Policy Discount: Multi-policy discounts not as competitive as others.
• Premium Costs: Premiums can be relatively higher despite discounts.

#3 – AAA: Best for Roadside Assistance

Pros

• Comprehensive Roadside Assistance: Well-known for its superior roadside assistance services.
• Member Benefits: Offers various discounts and benefits exclusively for AAA members. More information is available about this provider in our AAA insurance review & ratings.
• Travel Discounts: Provides additional travel-related discounts which can be beneficial for frequent travelers.

Cons

• Membership Requirement: Insurance purchase requires a AAA membership.
• Variable Service Quality: Service can vary significantly between different regional clubs.

#4 – American Family: Best for Generational Coverage

Pros

• Loyalty Discounts: Offers discounts for families with multiple generations of customers.
• Customizable Policies: Allows extensive customization of policies to meet family needs.
• Youthful Driver Discounts: Provides substantial discounts for young drivers. Check out insurance savings in our complete American Family insurance review & ratings.

Cons

• Availability Issues: Not available in all states, limiting accessibility for some customers.
• Higher Rates for Risky Profiles: Young or inexperienced drivers may face higher rates.

#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Offers a deductible that decreases for each year of safe driving.
• Wide Network: Extensive network of agents and service providers nationwide. Discover more about offerings in our Nationwide insurance review & ratings.
• Flexible Policies: Provides a range of policy options to fit diverse customer needs.

Cons

• Customer Service Variability: Some customers report inconsistency in service quality.
• Complex Claims Process: The claims process can be more complex and slower than some competitors.

#6 – Travelers: Best for Discount Variety

Pros

• Multiple Discount Options: Offers a variety of discounts for bundling, safe driving, and more. Access comprehensive insights into our Travelers insurance review & ratings.
• IntelliDrive Program: Telematics program that offers potential savings based on driving behavior.
• Green Home Discount: Provides discounts for homes that meet certain environmental standards.

Cons

• Higher Premiums Without Discounts: Base rates can be high without eligibility for discounts.
• Selective Coverage Availability: Not all coverage options are available in every state.

#7 – Erie: Best for Personalized Policies

Pros

• Highly Customizable Policies: Allows for detailed customization to meet individual needs.
• Rate Lock Feature: Offers a rate lock feature to keep premiums consistent year over year. Delve into our evaluation of Erie insurance review & ratings.
• Local Agent Support: Strong focus on personalized customer service through local agents.

Cons

• Limited Geographic Reach: Only available in certain regions, which can limit access for some.
• Potential for Premium Increases: Some policies may experience premium increases at renewal.

#8 – USAA: Best for Military Benefits

Pros

• Exclusive to Military and Families: Offers services exclusively to military members and their families, providing tailored benefits.
• Comprehensive Support Services: Includes extensive support tailored to the needs of military families.
• Competitive Pricing: Generally offers lower rates compared to competitors for eligible members. Unlock details in our USAA insurance review & ratings.

Cons

• Limited Eligibility: Only available to military members, veterans, and their families.
• Limited Physical Locations: Fewer in-person branches compared to other insurers.

#9 – Liberty Mutual: Best for Customizable Plans

Pros

• Extensive Customization Options: Offers a wide range of customization for insurance plans.
• Accident Forgiveness: Includes policies that prevent rate increases after the first accident.
• RightTrack Program: Provides discounts based on real-time driving behavior monitoring. Discover insights in our Liberty Mutual review & ratings.

Cons

• Higher Base Rates: Generally higher rates which can only be offset with discounts.
• Customer Service Complaints: Some customers report dissatisfaction with claim handling and service.

#10 – Progressive: Best for Snapshot Program

Pros

• Snapshot Discount: Offers the Snapshot program which customizes rates based on driving behavior.
• Large Coverage Selection: Provides a wide range of insurance products beyond just auto insurance.
• Online Tools and Resources: Strong online platform for managing policies and claims. Read up on the “Progressive Insurance Review & Ratings” for more information.

Cons

• Variable Discount Results: The Snapshot program may result in higher rates for some drivers based on the data collected.
• Inconsistent Customer Service: Customer service quality can vary widely based on the region and representative.

Ford Explorer Sport Car Insurance Monthly Rates by Coverage Level & Provider

The rates vary significantly between insurers and coverage levels. For minimum coverage, Allstate presents the most economical option at $70 per month, making it an attractive choice for those seeking basic insurance at a lower cost. On the higher end, Progressive demands $115 for the same level of minimum coverage.

When opting for full coverage, which offers extensive protection including collision and comprehensive benefits, Progressive again appears as the priciest at $205 monthly. In contrast, Allstate offers a more affordable full coverage rate at $125 per month. This detailed breakdown assists Ford Explorer Sport owners in making an informed decision based on their specific insurance needs and budget constraints.

Factors That Influence Ford Explorer Sport Car Insurance Cost

When it comes to insuring a Ford Explorer Sport, there are several factors that insurance providers take into consideration when determining the cost of coverage. One of the primary factors is the model and year of your Ford Explorer Sport. Newer models typically have a higher insurance cost due to their higher retail values and expensive replacement parts.

Another important factor is your driving record. Insurance providers will assess your history of accidents, traffic violations, and claims to determine your risk as a driver. A clean driving record will generally result in lower insurance rates, while a history of accidents or violations may increase your premiums.  Discover insights in our “Car Accidents: What to do in Worst Case Scenarios.”

The location where you live and park your Ford Explorer Sport also plays a role in determining insurance costs. Areas with higher crime rates or higher accident rates may have higher insurance premiums compared to areas with lower risks.

Lastly, your age and gender can also influence car insurance rates for the Ford Explorer Sport. Younger drivers, especially males, tend to have higher insurance premiums due to statistics that show younger drivers are more likely to be involved in accidents. Gender-based rate differences may vary depending on the insurance provider and state regulations.

Additionally, the type of coverage you choose for your Ford Explorer Sport can impact the insurance cost. Comprehensive coverage, which provides protection against theft, vandalism, and other non-collision incidents, typically has a higher premium compared to basic liability coverage. It’s important to consider your individual needs and budget when selecting the appropriate coverage for your vehicle.

Understanding the Different Types of Car Insurance Coverage for Ford Explorer Sport

Before diving into the cost of car insurance for the Ford Explorer Sport, it’s essential to understand the different types of coverage available. The most basic type of coverage is liability insurance, which provides protection for bodily injuries and property damage to others in the event of an accident where you are at fault.

In addition to liability insurance, comprehensive and collision coverage are common options for insuring the Ford Explorer Sport. Comprehensive coverage protects against non-accident-related damages, such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, covers damages to your Ford Explorer Sport in the event of an accident, regardless of fault.

Another type of car insurance coverage to consider for your Ford Explorer Sport is uninsured/underinsured motorist coverage. This coverage protects you in the event of an accident where the other driver is at fault but does not have enough insurance coverage to fully compensate you for your injuries or damages. It can also provide coverage if you are involved in a hit-and-run accident.

Additionally, you may want to explore the option of adding roadside assistance coverage to your car insurance policy. This coverage can provide assistance if your Ford Explorer Sport breaks down or if you need help with a flat tire, dead battery, or other roadside emergencies. It can save you time and money by providing services such as towing, fuel delivery, and locksmith services.

The Average Cost of Comprehensive Car Insurance for Ford Explorer Sport

When it comes to comprehensive car insurance for the Ford Explorer Sport, the cost can vary significantly based on a range of factors. On average, comprehensive coverage for the Ford Explorer Sport can range from approximately $42 to $125 per month. However, it’s important to note that this is just an estimate, and your specific premium will depend on the factors mentioned earlier.

Insurance providers also take into consideration other factors like your deductible amount, which is the amount you pay out of pocket before insurance kicks in. Higher deductibles usually result in lower premiums, but it’s essential to make sure you can afford to pay the out-of-pocket expenses in case of a claim. Learn more in our “How to Document Damage for Car Insurance Claims.”

Exploring the Factors That Contribute to Higher Car Insurance Premiums for Ford Explorer Sport

While we discussed earlier the various factors that can influence car insurance costs for the Ford Explorer Sport, it’s worth exploring further the elements that might contribute to higher premiums. Beyond the model, year, driving record, and location, factors like your credit history, annual mileage, and even your profession can impact your insurance rates.

Insurance providers consider credit history as a predictive factor for risk. A poor credit history may result in higher insurance premiums. Your annual mileage can also be a contributing factor, as higher mileage generally means more time on the road and thus a higher risk of accidents or damages.

Additionally, certain professions may be associated with higher or lower risk in the eyes of insurance providers. For example, occupations that require more driving may be seen as riskier and, therefore, result in higher insurance premiums. Check out insurance savings in our complete “How does the insurance company determine my premium?”

Tips to Lower Your Ford Explorer Sport Car Insurance Rates

If you’re looking to lower the cost of car insurance for your Ford Explorer Sport, there are several strategies you can employ. First and foremost, maintaining a clean driving record is crucial. Avoiding accidents and traffic violations can help keep your insurance premiums low.

Another effective way to save on insurance costs is to consider bundling your Ford Explorer Sport car insurance with other policies, such as homeowner’s or renter’s insurance. Many insurance providers offer discounts when you have multiple policies with them.

Furthermore, taking advantage of available discounts and incentives can significantly reduce your premium. Some common discounts include safe driving discounts, multi-car discounts, and safety feature discounts. Installing anti-theft devices or taking defensive driving courses can also help you qualify for additional discounts. Discover more about offerings in our “Defensive Driving Courses Can Lower Your Car Insurance Rates.”

Comparing Car Insurance Quotes for Ford Explorer Sport From Different Providers

When shopping for car insurance for your Ford Explorer Sport, it’s essential to compare quotes from multiple insurance providers. Rates can vary significantly between companies, so obtaining multiple quotes will help you find the best coverage at the most affordable price.

Several online platforms allow you to compare car insurance quotes easily. Be sure to provide accurate information when requesting quotes to ensure you receive accurate estimates. It’s also recommended to review the company’s reputation and customer reviews before making a final decision.

Does the Age of Your Ford Explorer Sport Affect Car Insurance Rates

Yes, the age of your Ford Explorer Sport can impact car insurance rates. Generally, brand new vehicles tend to have higher insurance rates due to higher replacement costs and the increased perceived risk of theft. As your Ford Explorer Sport ages, the insurance premiums may decrease slightly as the market value of the vehicle decreases.

However, it’s important to note that age is not the only factor insurers consider when determining rates. Other factors, such as the model, condition, and safety features of your Ford Explorer Sport, will also influence your premium. Access comprehensive insights into our “Best Safety Features Car Insurance Discounts.”

The Impact of Your Driving Record on Ford Explorer Sport Car Insurance Costs

Your driving record is one of the most significant factors influencing car insurance costs for the Ford Explorer Sport. Insurance providers view individuals with a history of accidents, speeding tickets, or other violations as a higher risk, resulting in higher premiums.

On the other hand, maintaining a clean driving record and avoiding accidents can lead to lower insurance rates. Safe driving skills are highly valued by insurance providers, and they often reward drivers with clean records with lower premiums. Unlock details in our “What is the difference between a deductible and a premium in car insurance?”

How Location Affects the Price of Car Insurance for Ford Explorer Sport

The location where you live and park your Ford Explorer Sport can significantly impact the price of car insurance. Insurance providers consider the local accident rate, crime rate, and even weather patterns in your area when determining your premium.

If you live in an urban area with a high incidence of accidents or theft, you can expect higher insurance rates. Conversely, if you reside in a rural area with lower accident rates and low crime rates, you may enjoy lower premiums. Discover insights in our “Best Anti Theft System Car Insurance Discounts.”

Is It Cheaper to Insure a New or Used Ford Explorer Sport

In general, it tends to be cheaper to insure a used Ford Explorer Sport compared to a brand new model. Newer vehicles typically have higher insurance costs due to their higher market value and the cost of replacing expensive parts.

However, the cost of insuring a used Ford Explorer Sport can still vary depending on factors such as its condition, mileage, and the age of the vehicle. Additionally, the value of safety features, such as anti-lock brakes or airbags, may affect insurance premiums. Learn more in our “Low Mileage Car Insurance Discount.”

Exploring Discounts and Incentives for Ford Explorer Sport Car Insurance

When looking for car insurance for your Ford Explorer Sport, it’s worth exploring the discounts and incentives offered by various insurance providers. Common discounts include safe driving discounts, multi-car discounts, and loyalty discounts. See more details on our “Lesser Known Car Insurance Discounts.”

Incentives such as accident forgiveness programs, vanishing deductibles, or accident-free bonuses may also be available. These programs reward policyholders who maintain a clean driving record over time and can lead to lower premiums and additional benefits.

The Role of Safety Features in Determining the Cost of Car Insurance for Ford Explorer Sport

The presence of safety features in your Ford Explorer Sport can have a positive impact on your insurance premium. Insurance providers often offer lower rates for vehicles equipped with safety features such as anti-lock brakes, stability control, airbags, and anti-theft systems. Check out insurance savings in our complete “Is car theft covered by car insurance?”

If your Ford Explorer Sport is equipped with advanced safety features like forward collision warning, lane departure warning, or blind-spot monitoring, you may be eligible for additional discounts. Safety features not only protect you and your passengers but also reduce the risk of accidents and potential claims, leading to potential savings on your insurance premium.

How Modifications and Aftermarket Additions Affect Your Ford Explorer Sport Car Insurance Rates

If you’re considering modifying your Ford Explorer Sport with aftermarket additions, it’s important to be aware of the potential impact on your car insurance rates. Modifications such as oversized wheels, engine enhancements, or modified suspension can increase the perceived risk for insurers, resulting in higher premiums.

It’s crucial to inform your insurance provider about any modifications made to your Ford Explorer Sport to ensure they are properly covered in the event of an accident or claim. Failure to disclose modifications may lead to coverage issues or potential denial of claims. Discover more about offerings in our “Can I get car insurance for a car that is modified or customized?”

Understanding the Deductible and Its Impact on the Cost of Insuring a Ford Explorer Sport

The deductible is the amount you agree to pay out of pocket before your insurance coverage begins. When it comes to insuring your Ford Explorer Sport, choosing a higher deductible can result in lower premiums.

However, it’s important to carefully consider your financial situation and ability to pay the deductible in the event of a claim. Before opting for a higher deductible, make sure it aligns with your budget and that you have the funds readily available, as unexpected expenses can arise. Access comprehensive insights into our “Do auto and renters insurance claims affect my home insurance rates?”

The Benefits of Bundling Your Ford Explorer Sport Car Insurance With Other Policies

Bundling your Ford Explorer Sport car insurance with other policies, such as homeowner’s or renter’s insurance, can offer several advantages. Many insurance providers offer discounts when you bundle multiple policies with them, resulting in potential cost savings. Delve into our evaluation of “Can I bundle my car insurance with other policies?”

Beyond saving money, bundling your policies can also simplify your insurance experience by having all your coverages with a single provider. You only need to deal with one insurer for any questions or claims, streamlining the process and saving you time and effort.

In conclusion, the cost of car insurance for a Ford Explorer Sport can vary significantly based on several factors including the model and year of the vehicle, your driving record, location, and many others. To find the best and most affordable insurance coverage, it’s important to compare quotes from multiple providers, take advantage of available discounts, and consider bundling policies.

By understanding the various factors influencing car insurance costs, you can make an informed decision and ensure that your Ford Explorer Sport is properly protected without breaking the bank.

Avoid expensive premiums by using our free comparison tool below to find the lowest rates possible.