Who Has Cheap Auto Insurance Quotes for a Ford Explorer in Riverside?

Finding the best cheap car insurance for a Ford Explorer in California is pretty simple, but it depends on a complex formula that considers things such as how old the vehicle is, your geographic location, and your motor vehicle report. Drivers in California pay on average $1,462 each year to insure their Explorer, but that figure is a valuation based upon a 30-year-old married female driver with full coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you may not be 30 years old (or even female), single instead of married, and you don’t want the same coverages and limits as the example. Even a minor difference in rating variables or coverage information can result in a massive change in rates.

This demonstrates why the way we recommend to find the cheapest coverage for your Ford is to do a thorough rate comparison.

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Your vehicle’s trim level can impact price, so the rate you pay to insure a Explorer XLT 2WD model will be $166 lower than the cost to insure the more well-appointed Explorer Limited AWD version, as shown in the table below.

Ford Explorer Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $368 $554 $450 $26 $134 $1,532 $128
Explorer Eddie Bauer 2WD $368 $554 $450 $26 $134 $1,532 $128
Explorer XLT 4WD $368 $554 $450 $26 $134 $1,532 $128
Explorer XLT AWD $368 $554 $450 $26 $134 $1,532 $128
Explorer Eddie Bauer 4WD $416 $672 $450 $26 $134 $1,698 $142
Explorer Eddie Bauer AWD $416 $672 $450 $26 $134 $1,698 $142
Explorer Limited 2WD $416 $672 $450 $26 $134 $1,698 $142
Explorer Limited 4WD $416 $672 $450 $26 $134 $1,698 $142
Explorer Limited AWD $416 $672 $450 $26 $134 $1,698 $142
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in vehicle garaging location which can alter insurance rates greatly.

Which auto insurance company is best in California?

Ending up with a good quality insurance provider can be rather challenging considering how many different insurance companies sell coverage in California. The information shown below can help you choose which providers you want to consider when looking for cheaper rates.

These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on California business will not be included in these rankings. To get rate quotes from these and other top-rated companies, follow this link.

Top 10 Large Auto Insurance Companies Overall in Riverside

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

Top 10 Large Auto Insurance Companies in Riverside Ranked by Customer Service

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

The chart below shows how different deductible levels can impact insurance rates when searching for cheap insurance for a Ford Explorer. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

In the chart above, a 30-year-old driver could cut expenses by $504 a year by changing from a $100 deductible up to a $500 deductible, or save $762 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save $1,466 or even more by choosing a larger deductible amount. When using a larger deductible, it is a good idea to have spare funds to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Compare quotes and save

California auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply having another birthday, increasing liability limits, or getting caught speeding can cause premium changes that can now make some companies cheaper than others. Not only may your situation change, but insurance companies change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Unexpectedly high claims can cause a rate increase, while a better claims history can cause cheaper Explorer insurance rates.

The chart below shows the cheapest car insurance in Riverside, CA for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. When comparing rates based on his current risk factors, USAA might quote the cheapest car insurance rates in Riverside at $1,305 per year. This is $346 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also on the list of the cheapest Riverside, CA auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates some claims, a little lower credit rating, and a speeding ticket. Since each insurance company has their own formula for filing rates in each state, analyzing rate quotes most likely will result in a different ranking of the cheapest companies as shown below.

Grange now has the cheapest car insurance in Riverside with Mercury, GEICO, Allstate, and Progressive completing the list. This example illustrates why Riverside drivers need to shop around to find the cheapest auto insurance quotes for a Ford Explorer.

Insurance prices can be determined by many different factors and can decrease or increase without notice, so the most affordable company when you bought your policy may now be wasting a lot of money.

The agents below can most likely provide answers to your questions and help you determine which coverage fits your budget, as some drivers wish to get some professional advice when buying car insurance for an Explorer. It can be difficult to find the cheapest rate yourself, so getting advice from a licensed California insurance agent can bring comfort knowing you have adequate protection in the event of a claim. To find a Riverside insurance agency nearest to you, click the button following the list.

View map of Riverside, CA insurance agents

How to find the cheapest insurance for a Ford Explorer

Below you’ll find many penny-pinching ideas that can help Riverside drivers find cheap car insurance.

That final tip is very vital, as we hit on in the prior article. Prices can change considerably based on profitability, so drivers shouldn’t be reluctant to change insurance companies if you can save money. Brand loyalty is great, but we do not recommend it if that stubbornness costs you potentially thousands of dollars a year. If you have a few minutes, compare prices and find cheaper auto insurance for a Ford Explorer in Riverside.