Cheap Insurance Quotes for 4×4 Vehicles in Arkansas

The car, truck, or SUV needing coverage is probably the biggest factor that determines the availablility of the lowest-priced coverage for 4×4 vehicles. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.

The information below presents car insurance costs for a number of the most cost-effective automobiles to insure in Arkansas.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in Arkansas location which can raise or lower prices greatly.

Based on these rates, you can conclude that models like the Ford Escape, Chevrolet Traverse, Hyundai Elantra, Jeep Wrangler, and Honda CR-V are going to be a few of the most affordable vehicles to insure for off-road vehicles.

Deciphering which company quotes the lowest-priced insurance rates for 4×4 vehicles will take a little more sweat than just comparing rates from one or two companies.

Every car insurance company uses their own method for determining rates in each state, so to begin we’ll rank the insurance companies with the overall best prices in Arkansas. Keep in mind that Arkansas insurance rates are influenced by many factors which can substantially change the price of coverage. Simply improving your credit, moving to a different location, or having an accident can trigger price changes that can cause some rates to be much cheaper than others.

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USAA generally has some of the lowest car insurance rates in Arkansas at around $981 a year. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also be considered some of the best Arkansas auto insurance companies.

As illustrated above, if you are a policyholder with Southern Farm Bureau and switched to USAA, you may realize an annual savings of in the neighborhood of $244. Customers with State Farm may save as much as $280 a year, and Columbia Insurance insureds might reduce rates by $317 a year.

It’s important to note that these premium estimates are averaged for all drivers and vehicles in Arkansas and are not factoring in a price decrease for 4×4 vehicles. So the car insurance company that fits you best may not even be shown in the above rate chart. That affirms the importance of why you need to get rate quotes using your own specific driver information and vehicle.

When shopping for cheaper car insurance for off-road vehicles, one of the many factors that establish a rate quote is where your home is located in Arkansas. Areas with more people or higher crime rates like El Dorado, Little Rock, and Hot Springs tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The table below lists the most costly cities in Arkansas for 4×4 vehicles to buy an auto insurance policy in.

Information shown are estimated as the garaging address in Arkansas can decrease or increase premium rates significantly.

Discounts on cheap insurance for 4×4 vehicles in Arkansas

Insurance providers that offer coverage for 4×4 vehicles may provide discounts that may potentially lower prices by as much as 35% if you meet certain criteria. Companies and some of their more popular discounts are shown below.

• 21st Century policyholders can earn discounts including student driver, air bags, anti-lock brakes, early bird, theft prevention, and 55 and older.
• State Farm discounts include Steer Clear safe driver discount, good driver, defensive driving training, student away at school, multiple policy, and anti-theft.
• AAA offers discounts including good student, anti-theft, pay-in-full, education and occupation, multi-car, AAA membership discount, and good driver.
• Liberty Mutual offers premium reductions for exclusive group savings, teen driver discount, newly married, multi-policy, new move discount, preferred payment discount, and new vehicle discount.
• Progressive includes discounts for online signing, online quote discount, good student, multi-policy, continuous coverage, and multi-vehicle.

The diagram below compares annual premium costs with and without discounts applied to the policy premium. The data is based on a male driver, no tickets, no at-fault accidents, Arkansas state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, safe-driver, multiple vehicle, accident-free, claim-free, and passive restraint discounts applied. When discounts are applied, the the average yearly reduction on insurance for 4×4 vehicles is 28% or $536.

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Insurance company ratings

Buying coverage from the best insurer can be difficult considering how many different companies insure vehicles in Arkansas. The company ratings listed below could help you select which providers to look at when trying to find the cheapest insurance for 4×4 vehicles.

These ratings are for major nationwide insurance companies, so companies that only write business in Arkansas or surrounding areas are not taken into consideration for the list. To compare rates from many more Arkansas auto insurance companies, click this link.

Top 10 Major Auto Insurance Providers in Arkansas Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Allstate, Geico, State Farm, and Progressive compared

When comparing car insurance for off-road vehicles, the four most popular companies are Allstate, Geico, State Farm, and Progressive. When combined, they make up about half of all car insurance policies in America. All four offer physical damage and liability coverage, but each has a slightly different set of options and discounts that can influence your buying decision. The next table ranks price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.