The vehicle model needing coverage is probably the biggest factor when quoting economical coverage for 4×4 vehicles. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The information below estimates auto insurance rates for some of the most affordable vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Edge SE 2WD||$2,669|
|Honda CR-V EX 2WD||$2,778|
|Ford Escape XLS 2WD||$2,787|
|Chevrolet Malibu Hybrid||$2,870|
|Toyota RAV4 Limited 4WD||$2,875|
|GMC Sierra SL Extended Cab 2WD||$2,870|
|Dodge Grand Caravan Crew||$2,927|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$2,973|
|Toyota Camry XLE||$3,019|
|Nissan Altima 2.5 S 4-Dr Sedan||$3,024|
|Nissan Rogue S 2WD||$3,075|
|Hyundai Elantra SE Touring Station Wagon||$3,234|
|Honda Accord EX-L 4-Dr Sedan||$3,240|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$3,280|
|Chevrolet Equinox LT 2WD||$3,287|
|Chevrolet Impala LT||$3,292|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$3,351|
|GMC Sierra 2500HD SLT Crew Cab 2WD||$3,485|
|Jeep Grand Cherokee SRT-8 4WD||$3,524|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in zip code location which can lower or raise coverage rates noticeably.
Looking at the rates, we can assume that cars like the Ford Edge, Honda CR-V, Ford Escape, Chevrolet Malibu, and Toyota RAV4 should be some of the most budget-friendly vehicles to insure for off-road vehicles.
Finding good, reasonably-priced car insurance is not most people’s favorite thing to do, and determining which insurers offer the cheapest insurance rates for 4×4 vehicles takes a bit more work. Each auto insurer has a proprietary formula for filing rates in each state, so let’s take a look at the insurance companies that tend to be cheaper in Nevada.
It’s important that readers know that Las Vegas, NV insurance rates are influenced by many factors which can substantially change the policy price. Simply having another birthday, buying a different home, or getting into an accident can produce rate changes that can now make some companies more affordable than others.
Find Cheaper Car Insurance for 4×4’s
|Rank||Company||Cost Per Year|
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Travelers may have some of the lowest car insurance rates in Las Vegas at around $903 a year. Allied, Capital, Oregon Mutual, and American Family also rank well as some of the most economical Las Vegas, NV car insurance companies.
As depicted above, if you buy coverage from Oregon Mutual and switched to Travelers, you might achieve savings of approximately $279. Drivers with American Family may save as much as $291 a year, and GEICO policyholders might cut rates by $316 a year.
To see how much you can save, click here to start your free quote or click several companies below for low rates.
Remember that these estimates are averages for all ages of drivers and types of vehicles and are not factoring in a specific location for 4×4 vehicles. So the company that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to quote rates from many companies using your own individual information.
Careless driving habits raise insurance rates
In a perfect world, the ideal way to receive the best insurance prices in Las Vegas for off-road vehicles is to drive carefully and not get tickets or have accidents. The diagram below demonstrates how speeding tickets and accident claims can affect premium costs for different categories of driver ages. The data assumes a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Nevada per year with no violations or accidents is $2,091. Receive one speeding ticket and the average cost hikes up to $2,369, an increase of $278 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for 4×4 vehicles jumps again to an average of $4,768. That’s an increase of $2,677, or $223 per month, just for not being attentive to the road!
Discount Las Vegas auto insurance
Insurance companies that offer coverage for 4×4 vehicles may also provide price discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A few of the larger companies and a selection of discounts are shown below.
- American Family has savings for multi-vehicle, accident-free, mySafetyValet, Steer into Savings, good driver, and TimeAway discount.
- Farm Bureau has discounts for youthful driver, multi-vehicle, 55 and retired, good student, multi-policy, renewal discount, and driver training.
- State Farm discounts include defensive driving training, passive restraint, good driver, driver’s education, and good student.
- Travelers offers discounts including driver training, multi-policy, student away at school, new car, home ownership, continuous insurance, and save driver.
- The Hartford offers discounts for good student, air bag, driver training, vehicle fuel type, bundle, and anti-theft.
- GEICO offers premium reductions for defensive driver, federal employee, five-year accident-free, military active duty, and anti-theft.
- Progressive includes discounts for continuous coverage, online quote discount, good student, homeowner, online signing, and multi-policy.
The chart below shows the difference between annual premium costs with and without discounts applied. The premiums assume a female driver, no claims or driving citations, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, claim-free, homeowner, safe-driver, and marriage discounts applied. With discounts applied, theamount saved on insurance for 4×4 vehicles is 27% or $424.
Low rates today, overpriced tomorrow
Las Vegas insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Turning one year older, getting divorced, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper than competitors. In addition to those changes, car insurance companies file new Nevada auto insurance rates every year or even multiple times each year to adjust for gains or losses. Higher than normal claim frequency or severity may result in higher prices, while long-term profits may result in cheaper Las Vegas car insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Las Vegas, NV for a 45-year-old male driver with no prior accidents, a clean driving record, and a good credit history. When quoting prices based on his personal risk profile, Allied might offer the most affordable car insurance rates in Las Vegas at $1,611 a year. This is $37 more than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family are also on the list of the cheapest Las Vegas, NV auto insurance companies.
Let’s now give the driver in the first example a claim or two, less-than-perfect credit, and a traffic citation. Since each auto insurance company uses their own method to set premium rates, getting updated rate quotes most likely will result in a different set of the cheapest Las Vegas car insurance companies as shown below.
Progressive now has the lowest car insurance rate in Las Vegas with USAA, Safeco, Nationwide, and Travelers now being in the top five. This shows why consumers need to take the time to perform an extensive rate comparison to find the most affordable insurance rates for 4×4 vehicles. Prices can be altered by many factors and can change without notice, so the cheapest option when you last compared rates may now cost much more than other companies.