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

Finding cheaper coverage for a Ford Explorer in Florida is usually pretty straightforward, but it is dependent upon a lot of rating criteria such as your marital status, what you do for a living, and any prior driving offenses. Florida drivers will pay on average $1,131 each year for Explorer insurance, but that amount is a projection based upon a 40-year-old single male driver with full coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a male, married instead of single, and maybe you want higher deductibles. Everone’s needs are different, and this illustrates why the best method for finding the cheapest rates for your Ford is to compare rates from as many companies as possible.

Insure Your Ford for Less

The specific trim level will likely have an effect on the annual cost of coverage, so the price to insure a Explorer XLT 2WD model will be $94 less than the price to insure the high end Explorer Limited AWD version, as shown in the table below.

Ford Explorer Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $196 $322 $504 $30 $152 $1,204 $100
Explorer Eddie Bauer 2WD $196 $322 $504 $30 $152 $1,204 $100
Explorer XLT 4WD $196 $322 $504 $30 $152 $1,204 $100
Explorer XLT AWD $196 $322 $504 $30 $152 $1,204 $100
Explorer Eddie Bauer 4WD $220 $392 $504 $30 $152 $1,298 $108
Explorer Eddie Bauer AWD $220 $392 $504 $30 $152 $1,298 $108
Explorer Limited 2WD $220 $392 $504 $30 $152 $1,298 $108
Explorer Limited 4WD $220 $392 $504 $30 $152 $1,298 $108
Explorer Limited AWD $220 $392 $504 $30 $152 $1,298 $108
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific garaging location which can modify coverage prices significantly.

Picking the top insurance provider can be challenging considering how many choices you have in Miami. The company ratings below could help you pick which companies you want to consider when shopping your coverage around.

These ratings only include the largest auto insurers in America, so companies that focus mainly on Florida business are not taken into consideration for the list. To compare prices from many more Florida auto insurance companies, follow this link.

Best Ten Auto Insurance Companies for a Ford Explorer in Florida
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Miami car insurance

Cheaper Miami, FL auto insurance for an ExplorerCar insurance companies that provide coverage for a Ford Explorer may additionally offer special discounts that can reduce rates by 25% or more if you are eligible for them. A few popular companies and some of the discounts are included below.

The illustration below shows the comparison of insurance prices with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, safe-driver, passive restraint, defensive driving course, multiple vehicle, and multiple policy discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Ford Explorer is 28% or $584.

Why you should be shopping around

Miami, FL auto insurance rates are impacted by many things that may substantially change the cost of your policy. Turning one year older, having a claim, or getting into an accident can cause premium changes that can cause some rates to be cheaper in comparison to the competition. Not only may things change on your end, but insurance companies modify pricing without warning in order to protect their financial rating. Heavy losses can result in high rates, while a lower level of claims can result in lower-priced Explorer insurance rates.

To help illustrate this point, the chart below shows the cheapest car insurance in Miami, FL for a 45-year-old male driver with no prior claims, no tickets, and a good credit rating. When quoting prices based on his personal profile, USAA may have the best car insurance rates in Miami at $1,811 each year. This is $637 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remaining cheapest Miami, FL auto insurance companies.

Now let’s give the driver from the above example a claim surcharge, bad credit, and a traffic citation. Because every insurance company uses their own calculation to determine rates, analyzing rate quotes may result in a significantly different list of companies as shown below.

USAA now has the best price in Miami with Mercury, Esurance, Auto-Owners, and GEICO also being competitive. This demonstrates why it is crucial to shop around with many companies when trying to get affordable car insurance rates for a Ford Explorer.

Car insurance prices are made up of many things and can change without notice, so the most affordable company a year ago may now be one of the higher cost companies.

The Miami, FL, insurance agents below can help you decide which car insurance company is the best fit, as lots of people like to get some help when buying car insurance for a Ford Explorer. It can be challenging to find the cheapest rate yourself, so getting advice from a licensed agent can bring satisfaction knowing your coverage gives you sufficient coverage at claim time. To find a Miami insurance agent using an interactive map, click the button at the bottom.

View map of Miami, FL insurance agents