Explorer Auto Insurance Review: Quotes and Service (2024)

Explorer has not been reviewed by either J.D. Power or the Better Business Bureau. Since this company focuses heavily on the bilingual and non-English speaking demographics, this could account for the lack of online reviews. However, Explorer’s parent company, ICW Group, has an A+ rating through the BBB.

Explorer is neither cheap nor expensive for most drivers. It’s a moderately priced car insurance company based on MoneyGeek’s scoring methodology.

Insurance companies don’t reveal how they determine the cost of their car insurance policies. Explorer, like other insurance companies, charges more for increased coverage. They also increase their rates for riskier drivers. Your driving history, location and age are factors that will affect how much you pay for your car insurance.

As with other car insurance companies, Explorer offers standard coverages such as liability, comprehensive and collision insurance.

However, this company doesn’t offer commonly available coverage add-ons such as roadside assistance, rental car, accident forgiveness, new car replacement, gap insurance, deductible modification and better car replacement. The insurer also doesn't offer any unique add-on coverages.

There are two main reasons why you might want to consider partnering with Explorer. First, if you’re a high-risk driver, you might be eligible for affordable coverage. Secondly, if you’re bilingual or know applicants who do not speak English, Explorer’s bilingual customer service team can help walk them through the insurance application process.

Explorer specializes in auto insurance, but they do have a couple of additional insurance offerings to choose from.

Explorer has a strong financial backing since this company is owned by ICW Group. AM Best gives Explorer Insurance an “A” and “Excellent” ratings for financial backing and security. Its financial size is between $1.25 billion and $1.5 billion.