Who Has the Cheapest Cincinnati Car Insurance Rates for a Ford Explorer?

Buying competitive coverage for a Ford Explorer is dependent upon lots of different rating factors such as how many miles you drive each year, the likelihood of your vehicle being stolen, and driving violations. Drivers in Ohio pay on average $777 annually for Explorer insurance, but that is a projection based upon a 50-year-old single male driver with full coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 and maybe not even a male, you might be married instead of single, or maybe you have a teenager that needs to be on your policy. This shows why the way we recommend to find the cheapest coverage for your Ford is to put in the effort to do a thorough rate comparison. Quotes are always free and you will receive prices from the cheapest companies that sell coverage in Ohio.

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The trim level of your Ford will have an impact the coverage cost, so the rate you pay to insure a Explorer XLT 2WD will be $88 less than the price to insure the more expensive Explorer Limited AWD model, as shown below.

Ford Explorer Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $168 $298 $256 $16 $76 $814 $68
Explorer Eddie Bauer 2WD $168 $298 $256 $16 $76 $814 $68
Explorer XLT 4WD $168 $298 $256 $16 $76 $814 $68
Explorer XLT AWD $168 $298 $256 $16 $76 $814 $68
Explorer Eddie Bauer 4WD $190 $364 $256 $16 $76 $902 $75
Explorer Eddie Bauer AWD $190 $364 $256 $16 $76 $902 $75
Explorer Limited 2WD $190 $364 $256 $16 $76 $902 $75
Explorer Limited 4WD $190 $364 $256 $16 $76 $902 $75
Explorer Limited AWD $190 $364 $256 $16 $76 $902 $75
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in zip code location which can alter coverage rates significantly.

Finding out which company quotes the best insurance rates for a Ford Explorer requires a bit more effort than just quoting one company’s rates. Every car insurance company has a proprietary method for determining rates in each state, so let’s take a look at the insurance companies that tend to have lower prices in Ohio.

Cheapest Insurance Rates for Your Explorer

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Ohio car insurance ranked by cost per year
Rank Company Cost Per Year
1 Utica National $635
2 Allied $676
3 Frankenmuth $680
4 Erie $681
5 USAA $711
6 Travelers $733
7 Cincinnati Insurance $772
8 Merchants Insurance Group $778
9 General Casualty $805
10 Motorists Mutual $824
11 Grange Mutual $828
12 Central Mutual $840
13 State Farm $858
14 Hastings Mutual $866
15 Atlantic States $904
16 Westfield $936
17 Progressive $953
18 Auto-Owners $958
19 Western Reserve $970
20 Nationwide $1,018
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Utica National may offer some of the best car insurance rates in Cincinnati at around $635 per year. This is $405 less than the average policy premium paid by Ohio drivers of $1,040. Allied, Frankenmuth, Erie, and USAA also are some of the most economical Cincinnati, OH auto insurance companies.

In the above rates, if you currently buy coverage from Allied and switched to Utica National, you may see a yearly savings of roughly $41. Ohio drivers with Frankenmuth could save as much as $45 a year, and Erie insureds might see rate reductions of $46 a year.

These prices are averaged for all drivers and vehicles and are not factoring in a specific zip code for a Ford Explorer. So the auto insurance company that fits your age and vehicle best may not even be in the top 33 companies shown above. That affirms the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

Poor driving habits will raise your insurance rates

The best way to get the best insurance premiums in Cincinnati for an Explorer is to drive attentively and have a clean driving record. The diagram below demonstrates how citations and at-fault collisions can influence insurance rates for different insured age categories. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of car insurance in Ohio per year with no violations or accidents is $1,449. Get one speeding ticket and the average cost hikes up to $1,631, an increase of $182 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for a Ford Explorer jumps again to an average of $2,138. That’s an increase of $689, or $57 per month, just for not driving safely!

The benefits of price comparisons

Cincinnati, OH insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Improving your credit score, moving across town, or getting a speeding ticket may generate price changes resulting in some rates now being more affordable than the competition. Not only may your risk profile change, but auto insurance companies file new Ohio car insurance rates multiple times each year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity can cause high rates, while a lower level of claims may produce more affordable Explorer insurance rates.

The graph below shows which company has the cheapest car insurance in Cincinnati, OH for a 45-year-old male driver with a good driving record, no prior claims, and solid credit. If we look at prices based on his personal profile, Utica National quotes the most affordable car insurance rates in Cincinnati at $804 per year. This is $236 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the list of the cheapest Cincinnati, OH auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison a claim or two, a lower credit rating, and a traffic ticket or two. Because each insurer uses a different method to set policy rates, analyzing rate quotes could result in a different list of cheap Cincinnati auto insurance companies as shown below.

Merchants Insurance Group now has the lowest car insurance rate in Cincinnati, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This illustrates why it is so important to do a thorough rate comparison to get the lowest car insurance quotes for a Ford Explorer.

Car insurance prices are impacted by many things and can increase or decrease at any time, so the cheapest company three years ago may now be wasting a lot of money.

How to find cheaper auto insurance for a Ford Explorer

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help drivers buy lower-cost coverage.

The last tip in the list is notably critical, as we emphasized in the prior information. Prices charged by auto insurers in Cincinnati fluctuate constantly, so don’t be unwilling to buy from a new company if a more affordable price is available. Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you lots of hard earned cash every month. It only take a few minutes to compare rates to find cheaper insurance for a Ford Explorer.