Deciding which companies offer the cheapest car insurance rates for 4×4 vehicles requires a little more sweat in order to find the lowest price quote. Each company uses a different method to set their prices, so let’s take a look at the car insurance companies with the most affordable rates in Texas.
It’s important that readers know that Texas car insurance rates are impacted by many factors which can substantially change your annual premium. Improving your credit rating, buying a different vehicle, or getting into an accident can trigger rate changes that can make some companies much cheaper than others.
Best Insurance Companies for 4×4’s
Travelers offers some of the cheapest car insurance rates in Plano at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheapest Plano, TX insurance companies.
As illustrated above, if you buy coverage from Germania Mutual and switched to USAA, you might see savings of around $139. Texas drivers with Esurance might save as much as $248 a year, and California Casualty customers might realize rate reductions of up to $279 a year.
Remember that these prices are averages across all drivers and vehicles and do not take into consideration a specific vehicle garaging location for 4×4 vehicles. So the company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The vehicle needing coverage is one of the largest considerations when comparing the best car insurance for 4×4 vehicles. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The data below features insurance prices for a handful of the more affordable vehicles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Odyssey EX W/Rear Entertainment||$1,094|
|Honda CR-V EX 4WD||$1,105|
|Ford Explorer Eddie Bauer 4WD||$1,136|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,145|
|Ford Escape XLS 2WD||$1,158|
|Toyota Camry XLE||$1,173|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,193|
|Chevrolet Silverado LT Extended Cab 2WD||$1,197|
|Ford Focus SES 2-Dr Coupe||$1,255|
|Honda Accord EX-L 2-Dr Coupe||$1,275|
|GMC Sierra SLE Regular Cab 2WD||$1,281|
|Dodge Ram 2500 Mega Cab Laramie 4WD||$1,297|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,325|
|Ford Edge SE AWD||$1,343|
|Chevrolet Impala LS||$1,348|
|Toyota Corolla XLE||$1,347|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific zip code location which can revise auto insurance rates noticeably.
Based upon these rates, we can tell that makes and models like the Toyota Prius, Honda Odyssey, Honda CR-V, Ford Explorer, and Toyota Tacoma are going to be some of the less-costly vehicles to insure for off-road vehicles.
Bad driving habits will cost you more
The obvious way to obtain low car insurance rates for off-road vehicles is to be an attentive driver and not get tickets or have accidents. The chart below illustrates how violations and at-fault collisions drive up premium costs for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,535. Add in one speeding ticket and the average cost jumps to $2,875, an increase of $340 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for 4×4 vehicles jumps again to an average of $5,829. That’s an increase of $3,294, or $275 per month, just for not paying attention while driving!
The example below illustrates how your choice of deductibles can raise or lower insurance rates when quoting cheap insurance for 4×4 vehicles. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $302 a year by increasing from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Youthful drivers, like the age 20 example, can cut $646 or even more just by using higher deductibles. When raising deductibles, it is a good idea to have enough funds in savings to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Ending up with the right auto insurance company can be challenging considering how many different insurance companies sell coverage in Texas. The company rank data in the lists below may help you pick which coverage providers to look at when trying find the best insurance for 4×4 vehicles.
The rankings below are for companies with a nationwide focus, so smaller companies that only insure vehicles in Texas are not factored into these rankings. To get price quotes from the insurers below and more, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
If you have coverage questions and would like to have some advice when buying car insurance for 4×4 vehicles, the insurance agencies below can most likely aid you in deciding which auto insurance coverages would be the best in your situation.
To locate a Plano insurance agent using an interactive map, click the link at the bottom or click here to get price quotes now.
Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551
Korina Hernandez – State Farm Insurance Agent
2301 N Central Expy #260 – Plano, TX 75075 – (972) 423-7667
4040 McDermott Rd #200 – Plano, TX 75024 – (972) 668-1000
Allstate Insurance: Matthew Greiner
2415 Coit Rd d – Plano, TX 75075 – (972) 769-8800
Mike Warren – State Farm Insurance Agent
2100 Dallas Pkwy #110 – Plano, TX 75093 – (972) 403-1060