Cheapest Insurance for 4×4 Vehicles in California

The vehicle model you are trying to insure is one of the largest considerations when trying to find the cheapest insurance for 4×4 vehicles in California. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The data below presents insurance prices for a number of the cheapest automobiles to insure in California.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in zip code location which can lower or raise rates considerably.

Based on these rates, vehicles like the Hyundai Elantra, Toyota Prius, Ford Escape, Chevrolet Traverse, and Chevrolet Malibu are going to be some of the more affordable vehicles to insure for off-road vehicles.

When buying auto insurance for off-road vehicles, one of the key factors that auto insurance companies use to calculate the cost of insurance is where your home is located in California. Cities with larger populations or higher claim trends like Glendale, Oakland, and San Francisco tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The illustration below lists the more expensive cities in California for 4×4 vehicles to purchase car insurance in.

Premium amounts are approximated as the garaging address in California can increase or decrease auto insurance rates substantially.

Establishing which company quotes the lowest-priced auto insurance rates for 4×4 vehicles will involve a bit more work in order to find the best price. Every auto insurer uses their own calculation for determining rates, so let’s look at the rankings for the auto insurance companies with the most affordable rates in California.

It’s important to know that California auto insurance rates are calculated based on many things that may substantially change the price of coverage. Getting older, getting divorced, or having an accident can trigger price changes that can cause some rates to be affordable when they were higher priced.

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USAA may offer some of the cheapest car insurance rates in California at around $1,143 per year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the lowest-priced California insurance companies.

In the rate table above, if you currently have coverage with Wawanesa and switched to USAA, you might realize an annual savings of in the neighborhood of $38. Policyholders with CSAA could save as much as $43 a year, and Century National policyholders might lower prices by $47 a year.

To find out how your current rates compare, click here to begin a quote or quote rates from the companies below.

Remember that these premium estimates are averaged across all insureds and vehicles and do not factor in a price discount for 4×4 vehicles. So the company that can offer you the best rate may not even be in the list of companies above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.

Accidents and violations increase rates

In a perfect world, the ideal way to enjoy cheap auto insurance prices in California for off-road vehicles is to drive safely and avoid at-fault accidents and violations. The diagram below shows how violations and accidents can affect insurance rates for different categories of driver ages. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,978. Get written up for one speeding ticket and the average cost rises to $2,243, an increase of $265 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles increases to an average of $2,978. That’s an increase of $1,000, or $83 per month, just for not driving carefully!

Is Allstate, State Farm, Geico, or Progressive cheaper?

When it comes to auto insurance for off-road vehicles in California, the top insurers to get price quotes from are Allstate, State Farm, Geico, and Progressive. If you put them all together, they insure over 48% of all vehicles in the U.S.. The following table compares pricing and service ratings, as well as optional policy coverages offered by each one.