The words “cheap” and “insurance” really don’t belong together, in particular when you are trying to find the lowest insurance prices for 4×4 vehicles. Because of the high cost, let’s take a look at a few of the things that influence auto insurance prices, and find a few ways to reduce the cost of the next policy you buy.
The type of vehicle driven is one of the largest considerations when shopping around for the cheapest auto insurance for 4×4 vehicles. Vehicles with lower acceleration and performance, good safety features, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The next table presents insurance rates for some of the cheaper vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $4,360 |
| Ford Escape Limited 4WD | $4,623 |
| Hyundai Elantra SE Touring Station Wagon | $4,628 |
| Ford Explorer XLT 2WD | $4,787 |
| Chevrolet Equinox LS 2WD | $5,049 |
| Ford F-150 FX4 4WD | $5,148 |
| Toyota Prius | $5,415 |
| Chevrolet Silverado LS Extended Cab 2WD | $5,421 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $5,504 |
| Ford Edge Limited 2WD | $5,673 |
| Honda Odyssey EX W/Rear Entertainment | $5,681 |
| Nissan Rogue SL AWD | $5,677 |
| Ford Focus SES 2-Dr Coupe | $5,683 |
| Honda Accord EX-L 2-Dr Coupe | $5,776 |
| Toyota RAV4 2WD | $5,785 |
| Start a Quote Go | |
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can influence rates considerably.
By looking at the data, we can tell that makes and models like the Honda CR-V, Ford Escape, Hyundai Elantra, Ford Explorer, and Chevrolet Equinox are going to be a few of the most economical vehicles to insure for off-road vehicles.
For off-road vehicles, one of the big factors that are looked at to determine insurance cost is your address in Philadelphia. Areas with more people or even just a higher incidence of claims will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The table below lists the priciest cities in Pennsylvania for 4×4 vehicles in which to buy car insurance. Philadelphia ranks #1 with an annual premium of $2,057 for the average policyholder, which is approximately $171 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $2,057 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,268 |
| 6 | Erie | $1,104 |
| 7 | Easton | $1,102 |
| 8 | Reading | $1,099 |
| 9 | Allentown | $1,097 |
| 10 | Plum | $1,089 |
| 11 | Municipality of Monr | $1,081 |
| 12 | Wilkes-Barre | $1,057 |
| 13 | Hazleton | $1,056 |
| 14 | Bethlehem | $1,055 |
| 15 | Pittsburgh | $1,053 |
| 16 | Scranton | $1,039 |
| 17 | Harrisburg | $1,025 |
| 18 | New Castle | $1,015 |
| 19 | Lancaster | $1,005 |
| 20 | Altoona | $1,002 |
| 21 | Williamsport | $996 |
| 22 | Bethel Park | $989 |
| 23 | Lebanon | $950 |
| 24 | York | $926 |
| 25 | State College | $896 |
| Get a Custom Quote Go | ||
Price information shown is approximated as specific Philadelphia garaging address can revise premium rates substantially.
Figuring out which company offers the lowest-priced car insurance rates for 4×4 vehicles involves a tad more effort than just comparing a company or two. Each auto insurer has a unique approach for determining prices, so let’s take a look at the most competitive car insurance companies in Philadelphia, PA.
Compare Cheap Insurance Quotes for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $748 |
| 2 | Travelers | $787 |
| 3 | Erie | $792 |
| 4 | Penn National | $816 |
| 5 | USAA | $817 |
| 6 | Auto-Owners | $973 |
| 7 | Atlantic States | $1,016 |
| 8 | Amica | $1,022 |
| 9 | Donegal Mutual | $1,102 |
| 10 | Allied | $1,144 |
| 11 | GEICO | $1,145 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,210 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,344 |
| 16 | Harleysville | $1,410 |
| 17 | Mutual Benefit Group | $1,454 |
| 18 | Progressive | $1,472 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,583 |
| Find Your Rate Go | ||
General Casualty may have some of the cheapest car insurance rates in Philadelphia at around $748 each year. Travelers, Erie, Penn National, and USAA also rank well as some of the most economical Philadelphia, PA car insurance companies.
In the rate table above, if you currently buy coverage from USAA and switched to Travelers, you could realize an annual premium reduction of roughly $30. Drivers with Auto-Owners might save as much as $186 a year, and Atlantic States customers might realize rate reductions of up to $229 a year.
Understand that those rates are averaged across all drivers and vehicles in Pennsylvania and and are not calculated with an exact zip code location for 4×4 vehicles. So the car insurance company that is best suited for you may not even be in the top 30 companies in the list above. That illustrates why you need to compare as many prices as possible using your own driver information and specific vehicle type.
The diagram below highlights how deductible selection can affect insurance rates when getting quotes for cheap insurance for 4×4 vehicles. The costs are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $254 a year by increasing from a $100 deductible to a $500 deductible, or save $384 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, have the ability to save $762 or more by choosing a larger deductible amount.
When insureds make the decision to increase the deductibles on their policy, it will be required to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Difference between liability only and full coverage rates
Saving money when shopping for car insurance is probably important to most drivers, and one of the quickest ways to save on the cost of insurance for 4×4 vehicles is to only buy liability coverage. The illustration below compares insurance rates with full coverage compared to only the Pennsylvania minimum liability coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.
As an average for all age groups, comprehensive and collision coverage on your policy costs an extra $1,889 per year over and above liability coverage. That touches on the question if buying full coverage is worth the money. There is no set guideline to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s replacement value is $10,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $9,000 after the deductible is paid. If you are paying in excess of $900 a year for physical damage coverage, then you may need to consider dropping full coverage.
Discounts on Philadelphia car insurance rates
Auto insurance companies that provide coverage for 4×4 vehicles may also give you discounts that could reduce prices by as much as 25% or more if you meet specific eligibility requirements. Popular car insurance companies and a partial list of their discounts are:
- GEICO may have discounts that include seat belt use, five-year accident-free, membership and employees, military active duty, federal employee, anti-lock brakes, and air bags.
- USAA discounts include vehicle storage, driver training, defensive driver, new vehicle, multi-vehicle, family discount, and good student.
- Progressive policyholders can earn discounts including online quote discount, online signing, homeowner, multi-vehicle, and good student.
- American Family offers discounts for bundled insurance, defensive driver, early bird, good driver, TimeAway discount, good student, and air bags.
- Esurance offers premium reductions for defensive driver, good student, online quote, Switch & Save, and homeowner.
- Farmers Insurance may include discounts for homeowner, teen driver, pay in full, distant student, and business and professional.
- State Farm may offer discounts for good driver, defensive driving training, accident-free, passive restraint, student away at school, and Steer Clear safe driver discount.
The example below illustrates the difference between yearly insurance costs with and without discounts. The price estimates are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, defensive driving course, multiple policy, anti-theft, multiple vehicle, and safe-driver discounts applied. When these discounts are applied, theaverage amount saved on car insurance for 4×4 vehicles is 28% or $522.
How to find low-cost auto insurance for 4×4 vehicles
Here are some of the better penny-pinching ideas that can help Philadelphia drivers find lower-cost auto insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Discounts for being claim-free can be substantial
- Remain accident-free and save
- Home or renters coverage can save on auto insurance
- Do not get traffic citations
- Do not pay for full coverage if not needed
- Compare rates often to find the best deal
The last idea is extraordinarily important, as was discussed in the prior information. Car insurance rates change frequently, so drivers shouldn’t hesitate to switch carriers if a better rate can be found. Having a favorite company is fine, but we do not recommend it if that devotion results in you overpaying a lot of money every month. Now is a great time to compare rates to find cheaper car insurance for 4×4 vehicles in Philadelphia.
The insurance agents in Philadelphia listed below can aid you in deciding which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to get some professional input when trying to find lower insurance rates for off-road vehicles. It can be challenging to find the best coverage yourself, so insurance agents can provide comfort knowing your policy gives you adequate protection in the event of a claim.
To locate a Philadelphia auto insurance agent close to where you live, click the link after the list or click here to get price quotes now.
- Vince Ovecka – State Farm Insurance Agent
456 E Girard Ave – Philadelphia, PA 19125 – (215) 739-0800 - The Gannon Insurance Agency Inc
2704 Street Rd – Bensalem, PA 19020 – (215) 891-9990 - Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320 - HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 - George Kweder – State Farm Insurance Agent
1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837