Explorer Insurance

Explorer Insurance


  • Flexible eligibility guidelines: Explorer can provide insurance to a range of drivers, from those with excellent driving records to those who have less than standard records
  • Local expertise in California market, with strong bilingual customer service


  • Poor reviews on a variety of issues with underwriting, claims processes, and customer service

Explorer Insurance's NAIC Complaint Index of 3.17 indicates that it receives three times more complaints than the median car insurer in the nation. Complaints range across coverage types from collisions to comprehensive, medical payments, and underinsured or uninsured motorist coverage. Other policyholders have complained about Explorer's premium and rating underwriting, issues with its premium notices / billings / refunds, as well as dissatisfaction with the insurer's timely handling of claims. Drivers also allege that they have a hard time contacting, or receiving calls back from company representatives. 

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Insurer Ratings

Metric Rating
AM Best Financial Strength (2013) A- (Excellent)
NAIC Complaint Index (2012) 3.17 (National Median 1.00)
Total Premiums Underwritten (2012) $54.6MM

Auto Insurance Policy & Discounts

Explorer Insurance provides car insurance coverage with flexible eligibility requirements. They understand that not all drivers have standard driving or licensing histories, and are willing to approve and insure motorists that other insurers would deem less than perfect records. This insurance company underwrites the typical liability protection for Bodily Injury, Uninsured / Underinsured, Comprehensive and Collision, and Towing and Rental Reimbursement. In addition to the standard suite of car insurance products, Explorer's insurance covers permissive drivers (drivers the insured policyholder has permitted to drive his or her car) and roommates. They'll also cover salvaged, rented, or borrowed vehicles. 

Explorer sells its car insurance through a network of independent agents in California, and their teams speak Spanish. To find the closest local affiliate agent, click here.

How to File a Claim

Warning: the telephone number listed on Explorer Insurance's website, (877) 849-4678, is incorrect and outdated. It is the number for North American Risk Services, which handles the runoff of legacy claims on Explorer's old insurance business in Florida. If you are a Florida customer of Explorer Insurance, then press 5 for new claims at that number.

Telephone Number: (800) 788-8984

Note: despite statements on its website that Explorer has a 24/7 claims service, this 800 number is not manned at all times. Attempts to call early in the morning were not picked up by an Explorer customer service representative.

  • Press 2 for Claims or to Report Accidents or Loss
  • Press 1 for New Claim or Loss
  • Press 2 for Existing Claim
  • Press 4 for all other Claims Inquiries

Customer Service Telephone Number: (800) 788-8984, Option 3

About Explorer Insurance

Explorer Insurance's parent company, ICW Group, was established in 1972 to provide a variety of insurance protection for automobile drivers, small business owners, and commercial property owners.

For more information, visit their website at: www.explorer-insurance.com.


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