4x4 car insurance

Compare car insurance quotes for 4x4s

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Car insurance for a 4x4 can be pretty expensive, so if you're looking to keep the costs down, this is what you need to know

4 by 4 car driving on a trail

Find cheap car insurance for a 4x4 car

It’s often not cheap to run a 4x4 – not only are four-wheel drive cars often more expensive to fuel, the insurance premiums are usually higher than for ordinary cars.

However, it’s still possible to find a cheap car insurance deal for a 4x4. Read on to find out why insurance for 4x4s tends to be so costly, see how 4x4 drivers can help keep their insurance premiums low, and discover how to find the cheapest car insurance on the market.

Why is 4x4 insurance more expensive?

When searching for car insurance for your 4x4, you’re likely to find that insurance premiums are more expensive. This is because insurance providers believe that 4x4 vehicles are a riskier bet than many other cars. Various factors make 4x4 insurance premiums higher, including the following:

  • 4x4 cars are more likely to be driven off-road, where there’s a greater chance of an accident
  • Cars with a four-wheel drive are larger and heavier, which means they do more damage to other vehicles, pedestrians or property if they’re involved in an accident
  • Because they’re often built to higher specifications, the parts used in 4x4 vehicles tend to be costlier, meaning insurers have to pay out more for repairs
  • 4x4 vehicles are more likely to be attractive to thieves and vandals

How can I keep down costs for insurance on a 4x4?

While insurance premiums for 4x4 cars are usually high, there are still plenty of ways you can help bring your costs down. These include:

  • Pay annually: If you pay insurance on your 4x4 in monthly instalments, you’ll be charged interest – and this can add up. If you can afford to buy insurance in one yearly lump sum, your insurance bill will be smaller overall
  • Boost your security: Your insurance premiums should fall if you add security features such as an alarm or an immobiliser, and park your car in a garage or driveway rather than on the street
  • Limit your mileage: You might be able to get a significant discount on your 4x4 insurance if you agree to only drive a certain number of miles per year. But remember, you have to keep to this limit to avoid invalidating your insurance, and your car must remain insured at all times (unless you take it off the road)
  • Increase your excess: If you agree to increase your voluntary excess – the amount you’ll pay yourself in any insurance claim – you might be able to get a better deal on insurance for a 4x4. However, you should always make sure you can afford your excess in case you need to make a claim
  • Add a named driver: A young person driving a 4x4 could add a named driver – an older and more experienced driver of the same car – to the policy, which will bring down costs. To avoid invalidating your insurance and breaking the law, the main driver of the car must always be the person indicated as the main driver on the policy
  • Avoid extras you don’t need: If you choose an insurance policy without breakdown cover, legal cover or a courtesy car, you can end up with lower premiums. You might also be able to sacrifice off-road cover on your 4x4 insurance policy – but if you do make sure you always keep to the road, or you risk invalidating your insurance

Where can I find cheap 4x4 insurance?

While 4x4 insurance can be expensive, it’s still possible to find cover for your four-wheel drive at an affordable price.

One of the simplest ways to bring costs down is by shopping around with MoneySuperMarket, where you can compare 4x4 insurance quotes from hundreds of insurers.

That said, when searching for 4x4 insurance, it’s important to remember that opting for the cheapest deal is unlikely to prove the best value for money. For example, a cheap policy may not cover you for going off-road, so you need to think about whether you’ll need this type of over before choosing a deal.

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