Who Has the Cheapest Kansas City Auto Insurance for a Ford Explorer?

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Buying affordable insurance for a Ford Explorer hinges on a lot of rating factors such as how old the Explorer is, where your vehicle is garaged, and citations on your driving record. Drivers will pay around $735 a year for Explorer insurance, but that price is a valuation based on a 50-year-old single female driver with full physical damage coverage and $500 deductibles.

But there is a good chance that you aren't exactly 50 years old or even a female, married instead of single, or you just prefer to insure for liability only. The different assumptions illustrate why the only way to find the cheapest rates for your Ford is to just take the time to compare rates yourself.

Find Cheaper Ford Explorer Insurance

The trim level of your Ford tends to impact the coverage cost, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $66 less expensive the insurance cost for the fancier Explorer Limited AWD model, as demonstrated by the prices below.

Ford Explorer Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $144 $226 $302 $18 $90 $780 $65
Explorer Eddie Bauer 2WD $144 $226 $302 $18 $90 $780 $65
Explorer XLT 4WD $144 $226 $302 $18 $90 $780 $65
Explorer XLT AWD $144 $226 $302 $18 $90 $780 $65
Explorer Eddie Bauer 4WD $162 $274 $302 $18 $90 $846 $71
Explorer Eddie Bauer AWD $162 $274 $302 $18 $90 $846 $71
Explorer Limited 2WD $162 $274 $302 $18 $90 $846 $71
Explorer Limited 4WD $162 $274 $302 $18 $90 $846 $71
Explorer Limited AWD $162 $274 $302 $18 $90 $846 $71
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can affect auto insurance rates significantly.

Finding dependable, cheap insurance is not the easiest thing to accomplish, and figuring out which companies offer the lowest-priced auto insurance rates for a Ford Explorer takes even more work. Each auto insurer uses a slightly different approach for determining rates in each state, so first let's look at the rankings for the most competitive auto insurance companies in Kansas City.

It's important that readers know that Kansas City, MO auto insurance rates are impacted by many factors which can substantially change the cost of coverage. Getting older, buying a home, or having a fender bender can cause premium changes that may make certain companies much cheaper than others.

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Rankings for the cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $648
2 The Hartford $809
3 Electric $849
4 Allied $849
5 Travelers $1,008
6 MO Farm Bureau $1,032
7 Auto-Owners $1,037
8 Nationwide $1,131
9 Farmers $1,151
10 Cameron Mutual $1,202
11 State Farm $1,221
12 American Family $1,279
13 Progressive $1,368
14 Safe Auto $1,377
15 Safeco $1,384
16 Shelter $1,404
17 GEICO $1,406
18 MetLife $1,415
19 California Casualty $1,469
20 Auto Club $1,488
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USAA may have some of the most affordable car insurance rates in Kansas City at around $648 annually. The Hartford, Electric, Allied, and Travelers also make the cut as some of the lowest-priced Kansas City, MO car insurance companies.

As illustrated above, if you are a policyholder with Allied and switched to USAA, you may realize an annual savings of around $201. Missouri drivers with Travelers could save as much as $360 a year, and MO Farm Bureau policyholders might see rate reductions of $384 a year.

To compare your rates to other Missouri insurance companies, click here or click several companies below for low rates.

Bear in mind that those policy rates are averaged across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for a Ford Explorer. So the company that can offer you the best rate may not even be in the top 23 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.

Safe drivers pay cheaper rates

The easiest way to enjoy affordable auto insurance prices for an Explorer is to drive attentively and not get tickets or have accidents. The example below shows how speeding tickets and at-fault collisions can increase insurance prices for each different age group. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of car insurance in Kansas City per year with no violations or accidents is $1,311. Add in two speeding tickets and the average cost hikes up to $1,863, an increase of $552 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Explorer jumps again to an average of $3,856. That's an increase of $2,544, or $212 per month, just for not keeping your driving record clean!

Discount Kansas City car insurance rates

Save on auto insurance for an Explorer in Kansas CityInsurance companies that offer quotes for a Ford Explorer may also offer special discounts that could potentially reduce rates by as much as 30% if you meet eligibility requirements. A few of the larger companies and a selection of discounts are shown below.

The example below compares premium costs with and without discounts applied to the premium. The rates are based on a female driver, a clean driving record, no claims, Missouri state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, homeowner, defensive driving course, safe-driver, and multiple policy discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for a Ford Explorer is 27% or $482.

Why you should be shopping around

Kansas City auto insurance rates are calculated based on many things which can substantially decrease or increase the price of your policy. Simply having a birthday, getting married, or getting a few speeding tickets may prompt premium changes resulting in some rates now being more affordable than the competition. Not only may your situation change, but auto insurance companies amend premium rates multiple times each year in order to offset underwriting gains or losses. A period of increased losses may cause higher priced premiums, while better underwriting can cause lower-cost Explorer insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with a clear driving record, no claims, and a good credit rating. When comparing rates based on his current risk profile, USAA might offer the cheapest car insurance rates in Kansas City at $817 per year. This is $445 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers round out the rest of the most affordable Kansas City, MO auto insurance companies.

Now we will give the driver from the first rate comparison some claims, slightly worse credit, and a stop sign violation. Since every car insurance company has their own process for determining prices, comparing prices may result in a different set of the cheapest car insurance companies in Kansas City as shown below.

Auto-Owners now has the cheapest insurance rate in Kansas City, MO with The Hartford, Farmers, Nationwide, and Electric also having competitive pricing. This example illustrates why consumers need to take the time to do a thorough rate comparison to find the most economical auto insurance quotes for a Ford Explorer.

Auto insurance prices can be determined by many risk factors and can decrease or increase without notice, so the most affordable company the last time you compared rates may now be costing you a lot of money.

How to find budget-friendly car insurance for a Ford Explorer

Lowering your rates is not difficult, and here are a few thrifty solutions that can help you get low-cost coverage.

That last piece of advice is highly vital, as was noted in the article above. Prices in Kansas City vary considerably, so don't be hesitant to buy a different policy if a better deal can be had.

Sticking with a specific company is fine, but is isn't recommended if that loyalty results in overpaying a wad of cash every year. Spend a few minutes and shop around and find cheaper car insurance for a Ford Explorer.

If you aren't sure which coverage to buy and prefer to have professional advice when shopping around for cheaper insurance for a Ford Explorer, the agents below can provide answers to your questions and help you determine which policy fits your needs best. To locate an agency by location nearest to you, click the button following the list or click here to compare price quotes now.

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