Who Has Cheap Insurance for 4×4 Vehicles in North Carolina?

For off-road vehicles, one of the more important things that establish the amount you pay each year for auto insurance is where you choose to live in North Carolina. Areas with more people or even just a higher incidence of claims like Fayetteville, Charlotte, and Gastonia tend to have higher rates, whereas less populated areas benefit from lower coverage costs.

The following table ranks the more expensive cities in North Carolina for 4×4 vehicles to buy an auto insurance policy in.

Premium amounts are approximated as specific North Carolina garaging address can alter premium rates greatly.

Finding decent, budget auto insurance is difficult, and figuring out which company quotes the cheapest insurance rates for 4×4 vehicles will require even more rate comparisons. Every car insurance company uses slightly different criteria for establishing rates, so first we will examine the insurance companies that tend to be cheaper in North Carolina.

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Progressive may have some of the best car insurance rates in North Carolina at around $651 annually. Utica National, Liberty Mutual, NC Farm Bureau, and GEICO also make the cut as some of the lowest-priced North Carolina insurance companies.

In the rate table above, if you are a customer of Utica National and switched to Progressive, you may see savings of in the neighborhood of $11. Insureds with Liberty Mutual might save as much as $49 a year, and NC Farm Bureau policyholders might lower prices by $58 a year.

If you want to find out if you’re overpaying, click here or visit any of the companies below.

These premiums are averages for all insureds and vehicles and are not factoring in a price discount for 4×4 vehicles. So the company that can offer the best rates for your situation may not even be shown in the list of companies above. That points out the importance of why you need to compare prices as often as possible using your own individual information.

The type of vehicle you are buying coverage for is one of the main factors that determines whether or not you find low-cost coverage for 4×4 vehicles. Vehicles with more horsepower, poor crash test ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.

The table below ranks coverage premiums for the most economical vehicles to insure in North Carolina.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can decrease or increase price quotes considerably.

By looking at the data, we can tell that cars like the Ford Escape, Honda CR-V, Ford Explorer, Ford F-150, and Hyundai Elantra will definitely be the less-costly vehicles to insure for off-road vehicles.

Buying coverage from a good quality insurance provider can be challenging considering how many different companies sell coverage in North Carolina. The ranking data displayed below could help you choose which car insurance companies to look at to insure your vehicles.

The rankings below only include companies that insure vehicles nationwide, so companies that only write business in North Carolina or surrounding areas will not be included in these rankings. If you wish to compare rates from these and other competitive companies, simply click here.

Does it make sense to buy full coverage?

Finding cheap insurance for 4×4 vehicles in North Carolina is probably important to most drivers, and one easy way to pay less for insurance is to buy liability only. The chart below shows the difference between car insurance costs with and without physical damage coverage. The price estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

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If we average all the age groups together, full coverage on your policy costs $1,316 per year more than insuring for liability only. Many drivers may wonder if buying full coverage is worth the money. There is no definitive formula to stop buying full coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Geico, State Farm, Progressive, or Allstate: Who is best?

When shopping for auto insurance for off-road vehicles in North Carolina, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. The next table illustrates some of the different features that are available for customers.