The make and model of vehicle requiring coverage is probably the most important factor when shopping around for affordable car insurance for 4×4 vehicles. Vehicles with limited speed and performance, a great safety record, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The list below showcases insurance prices for a selection of the most affordable automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $820 |
| Honda Accord EX-L 4-Dr Sedan | $868 |
| Ford Escape XLS 4WD | $910 |
| Jeep Grand Cherokee Laredo 4WD | $948 |
| Toyota RAV4 Limited 4WD | $956 |
| Chevrolet Malibu LT | $968 |
| Hyundai Elantra SE 4-Dr Sedan | $999 |
| Chevrolet Impala LTZ | $1,009 |
| Toyota Prius | $1,012 |
| Ford Focus SE 2-Dr Coupe | $1,067 |
| Toyota Camry LE | $1,076 |
| GMC Sierra SL Extended Cab 2WD | $1,078 |
| Dodge Grand Caravan Hero | $1,084 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific garaging location which can alter premium rates considerably.
By looking at the data, you can expect makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Jeep Grand Cherokee are going to be some of the less-costly vehicles to insure for off-road vehicles.
Determining which companies quote the cheapest auto insurance rates for 4×4 vehicles takes a tad more effort than just picking a company at random. Every insurance company uses their own formula for determining rates, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Austin.
Find the Best Cheap Insurance for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
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Travelers quotes some of the most affordable car insurance rates in Austin at around $1,010 per year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheapest Austin, TX insurance companies.
In the above rates, if you have coverage with Esurance and switched to USAA, you may realize savings of in the neighborhood of $270. Drivers with California Casualty may save as much as $287 a year, and State Farm policyholders might realize rate reductions of up to $370 a year.
To find out how much you can save, click here to begin a quote or quote rates from the companies below.
Bear in mind that those prices are averaged across all insureds and vehicles and do not factor in a specific zip code for 4×4 vehicles. So the insurer that fits your age and vehicle best may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Get discount Austin car insurance
Car insurance companies that offer cheap quotes for 4×4 vehicles may also give you price discounts that could reduce prices by 25% or more if you can meet the requirements. Large auto insurance companies and some of their more popular discounts can be found below.
- State Farm offers discounts for accident-free, student away at school, good driver, Drive Safe & Save, defensive driving training, passive restraint, and driver’s education.
- GEICO may offer discounts for good student, anti-lock brakes, daytime running lights, defensive driver, military active duty, multi-vehicle, and seat belt use.
- Liberty Mutual may have discounts that include new vehicle discount, safety features, newly retired, good student, newly married, teen driver discount, and exclusive group savings.
- The Hartford includes discounts for good student, bundle, vehicle fuel type, defensive driver, air bag, driver training, and anti-theft.
- MetLife may include discounts for claim-free, good student, good driver, multi-policy, accident-free, and defensive driver.
- Progressive has savings for good student, multi-vehicle, multi-policy, homeowner, online signing, and continuous coverage.
The illustration below shows the comparison of yearly insurance costs with and without discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, homeowner, multiple vehicle, accident-free, claim-free, and defensive driving course discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for 4×4 vehicles is 28% or $745.
Impact of careless driving on auto insurance rates
The best way to snag the most affordable auto insurance prices in Texas for off-road vehicles is to pay attention while driving and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and at-fault collisions impact annual premium costs for different ages of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of a car insurance policy in Austin per year with no violations or accidents is $2,297. Get written up for two speeding tickets and the average cost jumps to $3,101, an increase of $804 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for 4×4 vehicles increases to an average of $5,823. That’s an increase of $3,526, or $294 per month, just for not driving safely!
The chart below illustrates how choosing a deductible can change insurance costs when researching cheap insurance for 4×4 vehicles. The data is based on a single male driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower their policy premium by $426 a year by switching from a $100 deductible up to a $500 deductible, or save $638 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices up to $1,414 every year just by choosing higher deductibles. When increasing deductibles, it’s a good idea to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.