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How to Find the Best 4WD Insurance Rates
Things to Remember
- Your 4×4 auto insurance rates depend upon many factors, but your driving history is the most important.
- If you plan to drive off-road vehicles, your auto insurance company should be told. Otherwise, they may add a clause that they won’t cover off-road accidents.
- Any custom parts should be reported to your insurer so that they’re covered in the event of an accident.
There are all different types of cars and all different types of auto insurance coverage. A popular car is a 4WD, and if you have one, you need to know how to find the best 4WD insurance rates.
Are 4WD more expensive to insure, or is the price comparable to a 2WD?
You’ll certainly need to get basic insurance, with full coverage if your 4WD is new or financed. But, if you have custom equipment, make sure your insurer knows so that it’s covered.
An online search comparison can help you find affordable 4WD auto insurance quote from multiple 4WD auto insurance companies.
Find the cheapest cars to insure that are 4WD. Before learning more about how to find the best 4WD insurance rates, enter your ZIP code above to get free quotes for new or used auto insurance by model from multiple insurers.
Read on to find the difference between 4×4 vs. 4×2 insurance.
Table of Contents
What kind of auto insurance coverage do you need for a 4×4?
Just like any vehicle you could be driving around, 4WD vehicles need to follow the legal insurance requirements for your state. Each state has a different set of requirements for liability coverage; check out Driving Laws by AAA for a full list.
But it’s also a smart idea to have full coverage on your 4×4. The Insurance Information Institute reports that one in eight drivers is uninsured; if you get into an accident with one of them, you don’t want to be caught paying out-of-pocket for something that wasn’t your fault.
This video from Allstate explains the different types of auto insurance and what they cover.
In addition to the required liability coverage, you should think about adding comprehensive and collision as well.
So how much will it cost for you to insure your 4×4? And how much does a 4×4 increase insurance, if at all? The table below shows the average auto insurance rates across the country.
U.S. Average Annual Auto Insurance Rates by Coverage Type
| Type of Auto Insurance Coverage | Average Annual Rates |
|---|---|
| Comprehensive | $138.87 |
| Collision | $299.73 |
| Liability | $516.39 |
| Full coverage | $954.99 |
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But keep in mind, these are just averages. Auto insurance rates vary based on a number of factors, including:
- Value of vehicle
- Driving record
- Credit history
- Your ZIP code
- Your commute length
- Vehicle modifications
A lot of drivers like to modify their vehicles. What if you have special wheels or a hitch? You’ll need to purchase additional auto insurance for custom cars to make sure everything is covered.
Do I need full coverage insurance to finance a car? Likely, you will. If your lender finds out you don’t have it, that’s a violation of the terms of your agreement and you could end up labeled a high-risk driver, which makes it very challenging to get an auto insurance policy.
Your lender may purchase force-placed insurance, which protects them, but you’ll still need to get your own insurance.
If you got your 4×4 because you live in a state with rough weather, it’ll certainly help you manage snowy roads more easily.
But a lot of 4×4 owners get their vehicles with the intention of off-roading. That’s why insurers will ask you about your intentions when you apply for a policy. If this is your plan, you must inform your auto insurer ahead of time.
It’s important because insurers know that off-roading means there’s more risk to the vehicle. There’s a higher rate of claims for off-roaders than for 4×4 owners who don’t go off-road. And your insurance company will hold you to your word.
Some insurers will add a clause to your auto insurance policy for off-road vehicles stating that they won’t cover damage sustained in an off-roading accident if the driver has stated they only intend to use the vehicle on public roads.
How much is auto insurance for a 4WD vehicle?
Average car insurance rates by car will vary based on a variety of factors.
With such a wide variety of 4WDs out there, it’s impossible to give just one number for auto insurance rates. There are a lot of factors that go into determining how much you’ll pay, and each insurer does its own 4WD insurance comparison to judge these risk factors.
The monetary value of your vehicle is a big factor, plus your credit history, and even your location. But the single biggest factor in determining your auto insurance rates is your driving record, across the board.
The table below shows how your insurance rates might be affected by having a traffic offense on your record.
Average Annual Auto Insurance Rates by Driving Record
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation |
|---|---|---|---|---|
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
| GEICO | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
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Speeding tickets and at-fault accidents certainly raise your rates, but a DUI will set you back the most.
What is the cheapest 4×4 to insure?
What is the average pickup truck insurance cost per month? There are so many variations of pickup trucks out there that it’s impossible to give just one price. For one thing, more expensive vehicles also cost more to insure.
SUVs will nearly always be cheaper to insure than trucks. What SUV is the cheapest to insure? The price factor means brands like Ford, Honda, Toyota, Chevy, and Jeep are going to be the cheapest to insure.
Alternatively, the most expensive cars to insure here would be luxury brands such as Lamborghini and Aston Martin.
Safety ratings are also important. The Insurance Institute for Highway Safety (IIHS) rates the safety of various vehicles. Forbes reports 2020’s IIHS ratings, with the Mazda CX-3, Mazda CX-5, and Subaru Forester coming out on top.
This video from the IIHS shows how some SUVs score in crash tests.
The safer a vehicle is rated, the lower the auto insurance rates will be. And vehicles that get low safety ratings will usually come with higher rates.
Don’t buy 4WD auto insurance without shopping around.
Get car insurance rates by model from multiple insurers. Now that you know how to find the best 4WD insurance rates, enter your ZIP code below for free quotes.
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Frequently Asked Questions: How to Find the Best 4WD Insurance Rates
We’ve covered a lot of information about 4WD auto insurance, but if there’s something else you’d like to know insurance rates by car make and model, check out the frequently asked questions below.
#1. What is the cheapest used SUV to insure in 2019?
The Jeep Wrangler was one of the cheapest SUVs to insure 2019. The same holds true for the cheapest cars to insure in 2020, as the Wrangler edges out the rest.
For comparison, the Jeep Wrangler’s insurance cost is about $1,256 a year, but a Subaru Outback will be about $1,378 annually.
#2. How much more does a 4×4 cost than a 4×2?
Typically, a 4×4 costs approximately $1,000 to $3,000 more than a 4×2.
How to find the best 2WD insurance rates by age, gender, or credit score? And how to find the best 2wd insurance rates in South Carolina, Cali, or your state? What about your 4WD? What is the difference betweeen 2WD vs. 4WD insurance? We can help you with that.
#3. Are 4x4s more expensive to maintain?
If you plan on taking you4 4WD vehicle off road, you are likely to have higher maintanences cost than if you just drive on the street.
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