Finding the best cheap car insurance for a Ford Explorer in South Carolina depends on a lot of things such as how you use your vehicle, if you have prior claims, and the deductible amount you use. South Carolina drivers will pay on average $797 per year for Explorer insurance, but that cost is an approximation calculated using a 50-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
Odds are that you aren't exactly 50 years old or even a female, you might be single instead of married, or maybe you prefer to not insure for full coverage. Not every driver requires the same auto insurance coverages, so the best method for finding affordable rates for your Ford is to do a thorough rate comparison. In just a few minutes you can get rates from the best companies available.
The specific trim level will influence the insurance rate, so the price you pay to insure a Explorer XLT 2WD model will be $74 less expensive the cost to insure the high end Explorer Limited AWD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$166||$244||$320||$18||$96||$844||$70|
|Explorer Eddie Bauer 2WD||$166||$244||$320||$18||$96||$844||$70|
|Explorer XLT 4WD||$166||$244||$320||$18||$96||$844||$70|
|Explorer XLT AWD||$166||$244||$320||$18||$96||$844||$70|
|Explorer Eddie Bauer 4WD||$186||$298||$320||$18||$96||$918||$77|
|Explorer Eddie Bauer AWD||$186||$298||$320||$18||$96||$918||$77|
|Explorer Limited 2WD||$186||$298||$320||$18||$96||$918||$77|
|Explorer Limited 4WD||$186||$298||$320||$18||$96||$918||$77|
|Explorer Limited AWD||$186||$298||$320||$18||$96||$918||$77|
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates greatly.
Selecting the best insurance company can be difficult considering how many companies sell insurance in South Carolina. The company ratings in the next section could help you pick which providers to look at when shopping your coverage around.
These ratings are for companies that insure vehicles nationwide, so companies that have a smaller presence are not included in the list. To check prices from the most competitive companies in South Carolina, simply click here.
Top 10 Large Auto Insurers in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurers in South Carolina Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top Companies for Ford Explorer Insurance in South Carolina
Discount South Carolina auto insurance
Insurance providers that offer cheap quotes for a Ford Explorer may additionally offer discounts that can reduce rates by as much as 25% or more if you are eligible for them. Larger auto insurance companies and their offered discounts are included below.
- State Farm may include discounts for defensive driving training, good driver, good student, accident-free, and anti-theft.
- Progressive has discounts for multi-vehicle, multi-policy, homeowner, online signing, good student, online quote discount, and continuous coverage.
- Travelers discounts include continuous insurance, good student, multi-policy, home ownership, student away at school, and IntelliDrive.
- American Family policyholders can earn discounts including air bags, accident-free, early bird, Steer into Savings, TimeAway discount, mySafetyValet, and good student.
- Liberty Mutual includes discounts for preferred payment discount, newly retired, multi-car, new graduate, new move discount, and hybrid vehicle.
The example below shows the difference between yearly insurance costs with and without discounts. The information is based on a female driver, no violations or accidents, South Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, marriage, passive restraint, vehicle safety, multiple policy, and accident-free discounts applied. With discounts applied, theamount saved on auto insurance for a Ford Explorer is 28% or $457.
Comparing rates on Explorer insurance can save you money
South Carolina auto insurance rates are impacted by many things which can substantially decrease or increase the price of your policy. Simply having a birthday, having a teen driver, or getting a DUI can trigger changes in premium that can cause some rates to be more affordable than competitors.
And not only may your rating factors change, but insurers amend pricing without warning to reflect underwriting profits or losses. Heavy losses may cause increased policy costs, while better underwriting may produce cheaper Explorer insurance rates.
To illustrate this example, the data below shows the cheapest car insurance in South Carolina for a 40-year-old male driver with no prior claims, no tickets, and a good credit history. If we look at prices based on his current rating profile, The Hartford offers the cheapest car insurance rates in South Carolina at $768 each year. This is $841 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual are the remainder of the top five cheapest South Carolina auto insurance companies.
Now we will give the driver in the first example a claim, less-than-perfect credit, and a traffic citation. Since each auto insurance company uses a different method for filing rates in each state, comparing prices may now present a substantially altered list of the cheapest car insurance companies in South Carolina as shown below.
Travelers now has the cheapest price in South Carolina with National Grange Mutual, State Farm, USAA, and The Hartford also being competitive. This example demonstrates why consumers need to take the time to spend some time comparing rates when trying to get the cheapest auto insurance quotes for a Ford Explorer.
Car insurance prices are made up of many factors and can change without notice, so the cheapest option the last time you compared rates may now not even be in the top five.
Ideas for buying budget-friendly car insurance for a Ford Explorer in South Carolina
It is possible to find better rates, and here are a few penny-pinching suggestions that can help South Carolina drivers quote cheaper coverage.
- Do not get into accidents
- Buy your auto and home insurance from the same company and save
- Increase your credit score
- Avoid speeding and other traffic citations and pay less
- Too many claims can make car insurance unaffordable
- Increase your comprehensive and collision deductibles
- Keep rates low by comparing prices once a year
That last idea is especially important, as was stressed in the prior information. Auto insurance prices can change considerably based on profitability, so don't hesitate to buy from a different company if a better deal can be had. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing money that could be used for better things. In just a couple of minutes you could compare rates and find cheaper insurance for a Ford Explorer.