Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key takeaways...

  • Explorer car insurance is based in Santa Clarita, California
  • They have two different types of auto insurance coverage, which are personal and commercial auto insurance
  • Their policies are designed for pickups, vans and private passenger vehicles

This Explorer car insurance review will focus on the Explorer Insurance Company based in Santa Clarita, California. There is also an office in Lake Mary, Florida.

Explorer provides car insurance through a network of independent insurance agencies, and so far only offers insurance in California and Florida.

They are associated with the ICW Group and have been practicing in the auto insurance industry since 1992. According to their website, they go the extra mile for every customer as an insurance provider to provide personalized service sold through independent agents and brokers.

Online car insurance doesn’t have to be hard or confusing; enter your zip code above for free car insurance quotes right now!

What Else Should You Know about Explorer?

The Explorer Insurance Company is focused on the auto insurance niche, which is great if you are seeking an experienced and affordable provider.

They have two different types of auto insurance coverage – personal lines of coverage and commercial auto insurance. Unfortunately, the commercial business insurance is not available to Florida residents at this time. If you drive in any commercial capacity (including Uber), you technically need commercial auto on top of your personal.

The personal auto insurance policies that Explorer underwrites covers all the basics, and they even include uninsured motorist coverage as well.

Their auto insurance rate is designed for pickups, vans and private passenger vehicles.

Their commercial auto insurance plans offer similar coverage, with an impressive $1 million liability limit.

Both types of coverage are open to high-risk individuals with imperfect driving records. Like other auto insurance companies, your auto insurance rate will be higher if you have tickets or accidents on your record. But the average insurance rate is still affordable for the average car owner.

The plans do not appear to be highly customizable from the description on their website. So if you have a classic car or another car with modifications, it would still be best to speak with the agency you wish to go through for further details. Some companies offer auto insurance specifically for classic cars that have been restored.

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How Can You Find Auto Insurance That Meets Your Needs?

The generic policies offered by Explorer Insurance meet the needs of many average drivers. They have an affordable average rate and provide limits that cover most accidents. They offer options for underinsured motorists to update their insurance and get more liability coverage, collision coverage, etc. But they do not provide the right coverage for every driver.

Enter your zip code below if you’re ready to purchase an online car insurance policy for your family. You’ll be browsing competitive car insurance quotes in no time!


  1. https://www.explorer-insurance.com/
  2. https://www.progressivecommercial.com/business-insurance/
  3. https://www.directgeneral.com/learning-center/explaining-auto-insurance/high-risk-auto-insurance