The vehicle you are trying to insure is probably the biggest factor when shopping for the best car insurance for 4×4 vehicles. Vehicles with lots of speed or power, a lack of safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The next table presents auto insurance rates for some of the cheapest automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,762 |
| Honda CR-V EX-L 2WD | $1,808 |
| Honda Accord LX 4-Dr Sedan | $1,811 |
| Toyota Tacoma 2WD | $1,877 |
| Toyota RAV4 4WD | $1,917 |
| Volkswagen Jetta S 4-Dr Sedan | $1,924 |
| Chevrolet Malibu LS | $1,917 |
| Toyota Prius | $1,961 |
| Honda Civic LX 4-Dr Sedan | $1,976 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,986 |
| Ford Explorer Eddie Bauer 2WD | $1,979 |
| Chevrolet Impala LT | $2,088 |
| Chevrolet Silverado LS Extended Cab 4WD | $2,097 |
| Start a Quote Go | |
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in garaging location in Tampa, FL which can affect premiums noticeably.
Looking at the data, models like the Ford Escape, Honda CR-V, and Honda Accord are most likely going to be a few of the most affordable vehicles to insure for off-road vehicles.
One of the many considerations that determine car insurance rates is where you keep your vehicle. Regions with larger populations or more claims are more likely to have higher rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The table below shows the priciest cities in Florida for 4×4 vehicles to purchase car insurance in. Tampa is listed at #5 with an annual cost of $2,636 for coverage, which is approximately $220 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami | $3,177 |
| 3 | Miami Gardens | $3,149 |
| 4 | Miami Beach | $2,923 |
| 5 | Tampa | $2,636 |
| 6 | Hollywood | $2,630 |
| 7 | Miramar | $2,629 |
| 8 | Pompano Beach | $2,620 |
| 9 | West Palm Beach | $2,599 |
| 10 | Fort Lauderdale | $2,550 |
| 11 | Coral Springs | $2,549 |
| 12 | Davie | $2,523 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,368 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,172 |
| 17 | Spring Hill | $2,102 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,935 |
| Find Cheaper Rates Go | ||
Rates are comparative as zip code location can modify auto insurance rates greatly.
Determining which company has the cheapest auto insurance rates for 4×4 vehicles involves a little more sweat in order to find coverage that fits your budget. Each insurance company uses a little different formula to set policy rates, so we will examine the overall cheapest auto insurance companies in Tampa.
It’s important to understand that Florida auto insurance rates are determined by lots of factors that will increase or decrease the policy premium. Simply having another birthday, moving to a different location, or getting a driving violation may cause policy rate changes that can make some companies more affordable than others.
Find the Cheapest Auto Insurance for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $957 |
| 2 | Electric | $1,694 |
| 3 | Amica | $1,746 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,926 |
| 6 | Allied | $1,945 |
| 7 | Mercury | $1,992 |
| 8 | State Farm | $2,047 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,085 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,317 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,870 |
| 16 | Hanover | $2,934 |
| 17 | Safeco | $2,987 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $3,902 |
| Compare Rates Now Go | ||
USAA may offer some of the best car insurance rates in Tampa at around $957 annually. This is $1,491 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also some of the cheaper Tampa, FL auto insurance companies.
As illustrated above, if you are a policyholder with Electric and switched to USAA, you may see a yearly savings of about $737. Policyholders with Amica might save as much as $789 a year, and Progressive policyholders might realize rate reductions of up to $836 a year.
Remember that these premium estimates are averaged across all types of insureds and vehicles and and are not figured with a specific location for 4×4 vehicles. So the insurer that is best suited for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.
Driving violations and accidents
In a perfect world, the best way to maintain the cheapest auto insurance rates in Tampa for off-road vehicles is to be a cautious driver and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and accidents drive up annual premium costs for each age group. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Tampa per year with no violations or accidents is $1,747. Get two speeding tickets and the average cost rises to $2,300, an increase of $553 each year. Now get two accidents along with the two speeding tickets and the yearly cost of auto insurance for 4×4 vehicles increases to an average of $4,612. That’s an increase of $2,866, or $239 per month, just for being a less-than-perfect driver!
The illustration below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when searching for cheap insurance for 4×4 vehicles. The data assumes a single female driver, comp and collision included, and no additional discounts are factored in.
A 50-year-old driver could lower rates by $394 a year by switching from a $100 deductible to a $500 deductible, or save $596 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates $1,008 every year by choosing larger deductibles on their policy.
When using a larger deductible, it’s a good idea to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find the cheapest car insurance for 4×4 vehicles
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help drivers locate low-cost coverage.
- Save money by only buying liability coverage for older vehicles
- At-fault accidents will increase rates
- Safer vehicles cost less to insure
- Improve your credit
- Avoid speeding and other traffic citations and pay less
- Higher comprehensive and collision coverage deductibles will save money
- Shop around for cheaper prices
That last piece of advice is incredibly valuable, as was affirmed in the prior article. Insurance rates in Tampa can change considerably based on profitability, so don’t hesitate to switch companies if a cheaper rate is available. Being loyal to a particular company is commendable, but it’s not a good idea if that stubbornness costs you potentially thousands of dollars a year. Take a few minutes and compare prices and find cheaper auto insurance for 4×4 vehicles.
The professional agents shown below can probably aid you in deciding which auto insurance policy fits you best, since some drivers wish to get some guidance when buying car insurance for off-road vehicles. It can be complicated to find the best coverage yourself, and using a licensed agent can bring satisfaction knowing your policy gives you suitable coverage if you have an accident. To locate a Tampa car insurance agency close to where you live, click the link after the list or click here to compare price quotes now.
- Charlies Agents Insurance Agency
2701 N Himes Ave #201 – Tampa, FL 33607 – (813) 831-8363 - Varcas Insurance Agency LLC
1721 W Hillsborough Ave – Tampa, FL 33603 – (813) 319-1940 - State Farm: Jimmy Fisher
6920 E Fowler Ave – Tampa, FL 33617 – (813) 989-2037 - Allstate Insurance: Dave Sangar
208 E Bearss Ave – Tampa, FL 33613 – (813) 877-5506