Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana?

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Finding affordable car insurance for a Ford Explorer doesn't take a ton of time, but it hinges on a large number of factors such as how far you drive to work, if you have a tendency to file claims, and any prior driving offenses you have. Drivers in California pay on average $1,043 each year to insure their Explorer, but that figure is an estimation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even male, you might be single instead of married, and maybe you want different deductibles. Insurance is an individual thing, so the best way to find the cheapest insurance price for your Ford is to do your own rate comparisons. Compare rate quotes now and you will be able to compare rates from some of the most affordable companies available.

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The specific trim level will likely have an effect on the coverage cost, so the price to insure a Explorer XLT 2WD will be $92 lower than the price to insure the higher-priced Explorer Limited AWD trim level, as demonstrated by the prices below.

Ford Explorer Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Eddie Bauer 2WD $210 $298 $442 $26 $132 $1,108 $92
Explorer XLT 4WD $210 $298 $442 $26 $132 $1,108 $92
Explorer XLT AWD $210 $298 $442 $26 $132 $1,108 $92
Explorer Eddie Bauer 4WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Eddie Bauer AWD $238 $362 $442 $26 $132 $1,200 $100
Explorer Limited 2WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Limited 4WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Limited AWD $238 $362 $442 $26 $132 $1,200 $100
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Santa Ana garaging location which can alter premiums considerably.

Buying coverage from a highly-rated auto insurance company can be challenging considering how many different insurance companies sell coverage in Santa Ana. The company rank data shown next could help you pick which auto insurance companies you want to consider purchasing from. These ratings are for the largest auto insurers in America, so companies that focus mainly on California business will not be included in the list.

Top Ten Auto Insurance Companies for a Ford Explorer in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for a Ford Explorer. The premiums assume a married female driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower rates by $366 a year by changing from a $100 deductible up to a $500 deductible, or save $554 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $784 or even more by using a higher deductible.

When using a larger deductible, it's a good idea to have enough savings to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.

A good deal can quickly turn bad

California auto insurance rates are based on many factors that control the price you pay. Improving your credit rating, buying another vehicle, or getting caught speeding can cause premium changes that can now make some companies cheaper than before.

In addition, car insurance companies amend premium rates multiple times each year in order to protect their financial rating. Higher than normal claims can result in additional price hikes, while a lower level of claims can cause lower-priced Explorer insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. When quoting prices based on his personal risk profile, USAA has the most affordable car insurance rates in Santa Ana at $1,255 each year. This is $396 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the best Santa Ana, CA auto insurance companies.

In this example, we will give the driver from above an accident claim, a lower credit rating, and a traffic citation. Since every car insurance company has a different process for determining rates, analyzing rates may result in a different set of companies as shown below.

Grange now has the best auto insurance rate in Santa Ana with Allstate, Mercury, Allied, and Progressive completing the list. This example shows why it is crucial to compare many different companies when trying to get the cheapest car insurance rates for a Ford Explorer. Prices are influenced by many risk factors and can increase or decrease at any time, so the best option three years ago may now be quite expensive.