Finding cheap coverage for a Ford Explorer in Tennessee is dependent upon an enormous amount of rating factors such as how far you drive to work, your credit rating, and your motor vehicle report. Tennessee drivers pay approximately $776 each year for Explorer insurance, but that price is an approximation based on a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.

If we were betting, you are not 30 years old and maybe not even female, possibly single instead of married, or maybe your Explorer is old enough that it doesn't require full coverage. Having even a minor difference in the rating criteria used to formulate rates may result in significant differences in the coverage rate.

This demonstrates why the way we recommend to find the cheapest insurance price for your Ford is to compare rates from as many companies as possible.

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The trim level of your Explorer will likely have an effect on the coverage cost, so the price you will be charged to insure a Explorer XLT 2WD model will be $76 cheaper than the insurance cost for the more well-appointed Explorer Limited AWD model, as shown in the table below.

Ford Explorer Insurance Rates in Tennessee
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $176 $244 $294 $18 $88 $820 $68
Explorer Eddie Bauer 2WD $176 $244 $294 $18 $88 $820 $68
Explorer XLT 4WD $176 $244 $294 $18 $88 $820 $68
Explorer XLT AWD $176 $244 $294 $18 $88 $820 $68
Explorer Eddie Bauer 4WD $198 $298 $294 $18 $88 $896 $75
Explorer Eddie Bauer AWD $198 $298 $294 $18 $88 $896 $75
Explorer Limited 2WD $198 $298 $294 $18 $88 $896 $75
Explorer Limited 4WD $198 $298 $294 $18 $88 $896 $75
Explorer Limited AWD $198 $298 $294 $18 $88 $896 $75
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific zip code location which can revise price quotes greatly.

Selecting the highest-rated insurer can be challenging considering how many choices drivers have in Tennessee. The ranking data shown below could help you pick which coverage providers to look at when shopping your coverage around. The rankings below are for large, nationwide insurance companies, so smaller companies will not be included in the list.

Top Ten Insurance Companies for a Ford Explorer in Tennessee
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
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
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

The information below demonstrates how choosing different deductibles can impact annual premium costs when trying to find cheap insurance for a Ford Explorer in Tennessee. The premiums assume a single male driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could lower their car insurance rates by $246 a year by switching from a $100 deductible to a $500 deductible, or save $374 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save as much as $800 annually by choosing a higher deductible. If you do raise deductibles, it will be necessary to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Your cheap Explorer insurance may actually be overpriced

Tennessee insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Simply improving your credit, buying a new vehicle, or having an at-fault accident can cause premium changes resulting in some companies being cheaper in comparison to the competition.

In addition, insurers amend pricing every year to adjust for gains or losses. A period of higher than normal claims can result in more expensive prices, while a profitable period may cause cheaper Explorer insurance rates.

As an example, the bar chart below shows which company has the cheapest car insurance in Tennessee for a 35-year-old male driver with no violations or accidents, and good credit. Based on his current risk factors, Utica National may have the cheapest car insurance rates in Tennessee at $744 a year. This is $584 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Tennessee Farmers, and Penn National are also on the list of the top five cheapest Tennessee auto insurance companies.

The example below compares rates after we give the driver from the first example some claims, slightly worse credit, and a stop sign violation. Since each auto insurance company has a different formula to set policy rates, analyzing rates may result in a different list of the cheapest car insurance companies in Tennessee as shown below.

USAA now has the cheapest insurance rate in Tennessee with Nationwide, Allied, Westfield, and GEICO also having competitive pricing. This shows why it is crucial to spend some time comparing rates when trying to find the lowest auto insurance quotes for a Ford Explorer.

Insurance rates are determined by many things 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.

Tips for buying more affordable auto insurance for a Ford Explorer

The list below summarizes some of the recommended thrifty ideas that can help drivers get lower-cost car insurance.

The final tip is remarkably vital, as we pointed out in the prior information. Car insurance prices can be changed at any time, so drivers shouldn't be resistant to buy a policy from a new company if you can save money. Having a favorite company is great, but it isn't a good idea if that inflexibility results in costing you money that could be spent on other things. In just a few minutes you could compare prices and find cheaper auto insurance for a Ford Explorer.