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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

2003 Ford Explorer Sport Trac, age 74, location McAllen, Tx 78504.

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XLT Ford Explorer Sport Trac

The 74-year-old insured in this example lives in Mcallen and owns a Ford Explorer Sport Trac. His car insurance currently costs him $1 annually; however he hopes to reduce that amount by about $-399 dollars and get it down to around $400 per year. The required savings on the annual insurance should thus reach approximately -39,900%. Let's see if it's real.

An actual case study:

To be specific, the average car insurance rates in Mcallen (78504) are around $1,200 annually. The difference between the average rates in this area and what the mentioned client is paying is $1199.
  • I am married (lower insurance rates)
  • I only drive occasionally
Customer RatesYour Rates
Current auto insurance rates $1 Your Rates?
Expected auto insurance rates:$400 Your Rates?
Annual savings:$-399 Your Savings?
In Texas, it is essential to be aware of the ideal amount for car insurance. The Minimum Bodily Injury Liability per person should be set at a minimum of $30,000, limits for Accident Property Damage liability are set at $60,000; however, if there are multiple people injured in an accident, the Minimum Bodily Injury Liability must reach up to $25,000 per incident. Complying with the legal insurance limits is necessary to keep your car insurance in Mcallen valid.
Without adhering to these set restrictions, you may find yourself without a policy that would protect you against collisions or other accidents.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage
Bodily injury liability

per person in Mcallen (78504)

$30,000
Bodily injury liability

per accident in Mcallen (78504)

$60,000
Property damage liability

per accident in Mcallen (78504)

$25,000
Below you can watch a video dedicated to either car insurance for the Ford Explorer Sport Trac in Texas, Mcallen (78504) or a review of this vehicle.

Car Insurance Premiums by Company - Annual Rates

Which insurer offers the most advantageous annual car insurance in the area with the postal code 78504?

Are you looking for a great and cost-effective Ford, Explorer Sport Trac car insurance in 78504, Texas, Mcallen (78504)? Below is a comprehensive list of highly rated auto insurers who offer the most affordable rates. On average, it can total up to around $1,200 per annum or only about $100 monthly in 2024. On average, auto insurance for a Ford, Explorer Sport Trac in Mcallen (78504) will cost you Approx. $1,150 annually. Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($720 on average for an annual policy), GEICO ($900 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. The table below shows both the lowest possible prices in the area and the average annual Ford, Explorer Sport Trac insurance premium in Mcallen .
These prices are determined by the typical auto insurance rates for a Ford, Explorer Sport Trac in Mcallen (78504). However, other factors such as age, credit score rating, driving record or marital status have an influence on these costs too. Please note that we do not collaborate with any company and receive no commissions from them whatsoever.
Insurance CompanyLowest RatesFord, Explorer Sport Trac in Mcallen (78504)
ERIE $396Not available in Mcallen (78504)
Auto-Owners $367Not available in Mcallen (78504)
Allstate $432$690 Get Quotes Agents Call
American Family $432Not available in Mcallen (78504)
Farmers $504$805 Get Quotes Agents Call
GEICO $540$863 Get Quotes Agents Call
Liberty Mutual $576$920 Get Quotes Agents Call
Nationwide $612$978 Get Quotes Agents Call
Progressive $648$1,035 Get Quotes Agents Call
State Farm $684$1,093 Get Quotes Agents Call
Travelers $756$1,208 Get Quotes Agents Call
USAA $792$1,265 Get Quotes Agents Call

How deductibles affect your Ford, Explorer Sport Trac rates in Mcallen (78504)?

The amount of your deductible can significantly affect the cost of your insurance premium.

If you own a Ford, Explorer Sport Trac increasing your car insurance deductible to $1000 could mean saving up to 22% on collision and comprehensive coverage! This would result in an annual premium of approximately $897 if you are a Mcallen (78504) resident. Nonetheless, even if $100 is more suitable for your budget right now - choosing this deductible can still offer some savings off the policy's total cost each year (about 2%), leaving only around $1,127 in yearly payments or roughly $94 monthly. On average, selecting the typical $500 deductible will result in a cost of $782 for collision and $196 for comprehensive coverage. It all boils down to finding a balance between what is best for your budget and how much risk you're willing to assume. Choosing $2,000 as your deductible on this Ford, Explorer Sport Trac model would give you an estimated annual collision coverage of around $479 while the comprehensive premium will hover just under 120 dollars.
This table provides an analysis of the cost between Ford, Explorer Sport Trac collision and comprehensive premiums in Mcallen (78504) based on the amount of your deductible. It's more budget-friendly to set a higher deductible for collision coverage, since it comprises almost three times as much of the premium cost when compared to comprehensive insurance. Conversely, you'll want to select a low deductible for your extensive coverage in order to save even more money.
Your DeductibleCollision PremiumComprehensive Premium
Zero-deductible

Increases rates significantly

$1,012$253 Get Quotes
$100

2% deductibles discount

$902$225 Get Quotes
$200

5% deductibles discount

$874$219 Get Quotes
$300

9% deductibles discount

$837$209 Get Quotes
$500

15% deductibles discount

$782$196 Get Quotes
$1000

22% deductibles discount

$718$179 Get Quotes
$2000

48% deductibles discount

$479$120 Get Quotes

Compare car insurance quotes for all Ford Explorer Sport Trac trim levels

Discover the average Ford Explorer Sport Trac car insurance prices for your specific location by selecting a model and its trim level below, then click "Your Rates" to view annual insurance costs. With our 2010 Ford Explorer Sport Trac coverage calculator, you can get an accurate estimate of what it will cost to insure one of these vehicles!
Choose the exact trim variant of your car for detailed car insurance quotes.
Year Model & Trim Average Annual Rates
2010 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab (4.0L 6cyl 5A)

$1,129 Details Get Quotes
2010 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab 4WD (4.0L 6cyl 5A)

$1,380 Details Get Quotes
2010 Ford Explorer Sport Trac, Limited

Limited 4dr Crew Cab (4.0L 6cyl 5A)

$1,380 Details Get Quotes
2010 Ford Explorer Sport Trac, Limited

Limited 4dr Crew Cab AWD (4.0L 6cyl 5A)

$1,368 Details Get Quotes
2010 Ford Explorer Sport Trac, Limited

Limited 4dr Crew Cab 4WD (4.0L 6cyl 5A)

$1,368 Details Get Quotes
2009 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab (4.0L 6cyl 5A)

$1,129 Details Get Quotes
2009 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab (4.6L 8cyl 6A)

$1,129 Details Get Quotes
2009 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab 4WD (4.0L 6cyl 5A)

$1,129 Details Get Quotes
2009 Ford Explorer Sport Trac, XLT

XLT 4dr Crew Cab 4WD (4.6L 8cyl 6A)

$1,129 Details Get Quotes
2009 Ford Explorer Sport Trac, Limited

Limited 4dr Crew Cab w/Adrenalin Package (4.0L 6cyl 5A)

$1,129 Details Get Quotes
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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