This is an iconFlexible eligibility requirements for policy approvals
This is an iconCustomer care team offers bilingual services
This is an iconOffers insurance options to most high-risk drivers


This is an iconNot many options available for non-high-risk drivers
This is an iconHeavily focused on California and Florida (and not the other 15 states it’s licensed in)
This is an iconPoor reviews on claims processing

Explorer is a California-based insurance provider offering non-standard types of auto insurance for high-risk drivers. Explorer is known for its affordable pricing for non-standard insurance and can help insure drivers who may have been denied coverage by other providers. Explorer also specializes in offering bilingual services to customers.

How Does Explorer Auto Insurance Rate?

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.

Customer Satisfaction Rating

There are only a few customer reviews on Explorer online. Negative reviews indicate that the company’s claims process is confusing or offers little visibility.

Customer Complaint Ratio


The National Association of Insurance Commissioners NAIC reviews complaints throughout the insurance industry each year and comes up with a national median. The 2019 median ratio which other insurance companies are measured against is 1.

Explorer has a 1.59 complaint ratio, meaning this company slightly more complaints than most other insurance companies.

Financial Strength

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.


Explorer Insurance Features

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

  • Type of Feature
  • Online Bill Pay
    You can quickly manage your billing account, enroll in autopay, update your payment methods and view your payment history.
  • Online Claims
    Quickly file a claim online and log in to view your status in real-time.

Explorer Auto Coverage

Explorer offers the basic insurance policies you need to adhere to state laws for high-risk drivers.

  • Type of Coverage
  • Collision
    If you’re in an accident, this coverage can help pay for the costs to repair or replace your vehicle if it was damaged or totaled.
  • Uninsured
    If the other driver in an accident is uninsured or does not have enough coverage to pay for your damages and expenses, this coverage will help pay for any remaining expenses.
  • Liability
    If you’re at fault in an accident, you’ll be responsible for medical costs of the other driver. This coverage can help cover these medical expenses.

Optional Insurance Features and Coverage

In addition to basic coverage options, Explorer also offers extra optional coverages and features.

  • Type of Option
  • Rental Reimbursement
    If your vehicle is unusable after an accident, Explorer will reimburse you for towing and rental costs.
  • Roadside Assistance
    This will give you access to emergency roadside assistance day or night, whether you break down a few blocks from home or states away.
  • Auto Glass Repair
    This will cover glass window replacement in your vehicle, after a covered accident.

Available Discounts on Explorer Car Insurance Coverage

Explorer offers a variety of discounts for customers. While they do not disclose a full list of discounts online, they have a few discounts advertised.

  • Type of Discount
  • Auto Pay
    Save money when you enroll in automatic payments.
  • Other
    Custom discount programs - Find out how you can save money by calling Explorer.

Other Explorer Insurance Products

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

  • Type of Product
  • Business Insurance
    Workers’ compensation insurance: Explorer offers workers compensation insurance to companies to help protect employees and employers.
  • Other
    Earthquake insurance: As a California-based company, it makes sense that Explorer helps cover damages and losses caused by earthquakes.

How to Make a Car Insurance Claim With Explorer

You can easily file a claim with Explorer online or over the phone.

Contact Explorer Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Courtney Johnston is a freelance writer and editor living in Indianapolis. She specializes in finance writing and regularly contributes content on investing, saving, insurance, and real estate.