Wouldn't life be great if you could just magically know the one auto insurance company that has the best insurance prices for 4x4 vehicles? It's not that simple, unfortunately, as there are a whole slew of unknown aspects like what deductibles you want to use, if you own or rent your home, the amount of coverage you want, and the safety features built into your vehicle, that all influence how much you pay for auto insurance. The content below will cover these topics and will hopefully give you a solid foundation to find cheaper car insurance.
Finding cheap car insurance is not most people's favorite thing to do, and determining which company offers the best insurance rates for 4x4 vehicles will require even more shopping around. Every insurance company has a proprietary formula to set their prices, so let's begin by taking a look at the overall cheapest insurance companies in Wisconsin.
Lowest Insurance Price Quotes for 4x4's
|Rank||Company||Cost Per Year|
|8||Rural Mutual Insurance||$772|
|12||West Bend Mutual||$899|
|14||Auto Club Group||$948|
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USAA has some of the most affordable car insurance rates in Madison at around $586 annually. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance also make the cut as some of the best Madison, WI insurance companies.
As shown in the table above, if you buy coverage from Pekin Insurance and switched to Partners Mutual, you could see yearly savings of roughly $126. Drivers with Nationwide might save as much as $142 a year, and Integrity Mutual policyholders might see rate reductions of $144 a year.
To see if you're overpaying, click here to get quotes or feel free to get quotes from the companies below.
Understand that those policy prices are averages across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for 4x4 vehicles. So the auto insurance company that can offer the best rates for your situation may not even be in the top 30 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The type of vehicle on the policy is probably the biggest factor that determines whether or not you find the best insurance for 4x4 vehicles. Vehicles with limited top-end speed, good safety features, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.
The table below estimates coverage premiums for a number of the cheapest automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$1,030|
|Honda CR-V LX 2WD||$1,125|
|Ford Escape Limited 2WD||$1,154|
|Chevrolet Equinox LT 2WD||$1,181|
|GMC Sierra SL Extended Cab 2WD||$1,188|
|Ford Focus SEL 4-Dr Sedan||$1,222|
|Chevrolet Silverado LS Regular Cab 4WD||$1,240|
|Dodge Ram Crew Cab TRX 2WD||$1,287|
|Jeep Grand Cherokee Laredo 4WD||$1,289|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,297|
|Dodge Grand Caravan SXT||$1,314|
|Ford F-150 XLT Crew Cab 4WD||$1,323|
|Honda Accord LX-S 2-Dr Coupe||$1,327|
|Chevrolet Impala LT||$1,330|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in specific Madison, WI garaging location which can influence price quotes considerably.
Based on these rates, you can see that vehicles like the Jeep Wrangler, Toyota Prius, Honda CR-V, and Ford Escape will definitely be some of the most economical vehicles to insure for off-road vehicles.
For off-road vehicles, one of the more important factors that are looked at to determine car insurance rates is where you keep your vehicle in Madison. Larger areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The illustration below ranks the most costly cities in Wisconsin for 4x4 vehicles to buy auto insurance in. Madison ranks #11 with a yearly cost of $1,072 for car insurance, which is about $89 monthly.
|21||Fond du Lac||$985|
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Price information shown is approximated as the specific geographic location can raise or lower rates significantly.
Impact of violations and accidents on rates in Madison
The easiest way to receive good insurance prices for off-road vehicles is to be a good driver and avoid at-fault accidents and violations. The information below illustrates how violations and at-fault accidents can increase auto insurance costs for each different age category. The data assumes a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents or violations is $974. Get written up for two speeding tickets and the average cost surges to $1,280, an increase of $305 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for 4x4 vehicles goes up to an average of $1,589. That's an increase of $615, or $51 per month, just for not driving safely!
Discounts on Madison car insurance
Car insurance companies that offer cheap quotes for 4x4 vehicles may additionally offer discounts that can lower rates by 25% or more if you can meet the requirements. A few popular companies and some of the discounts can be read below.
- GEICO offers discounts for multi-vehicle, anti-theft, anti-lock brakes, air bags, emergency military deployment, and federal employee.
- SAFECO includes discounts for accident prevention training, homeowner, teen safety rewards, teen safe driver, bundle discounts, anti-theft, and multi-car.
- State Farm discounts include safe vehicle, student away at school, multiple policy, accident-free, and Drive Safe & Save.
- MetLife has savings for multi-policy, claim-free, good student, accident-free, defensive driver, good driver
- 21st Century has discounts for 55 and older, teen driver, automatic seat belts, driver training, anti-lock brakes, theft prevention, and student driver.
- Progressive may have discounts that include online quote discount, online signing, good student, multi-vehicle, multi-policy, and homeowner.
The example below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or violations, Wisconsin state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, multiple policy, accident-free, safe-driver, passive restraint, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for 4x4 vehicles is 28% or $403.
The diagram below demonstrates how choosing different deductibles can change insurance costs when quoting cheap insurance for 4x4 vehicles. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could save $188 a year by changing from a $100 deductible up to a $500 deductible, or save $284 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could drop their prices $622 or more just by using higher deductibles.
When increasing deductibles, it will now be necessary to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
If you aren't sure which coverage you need and prefer to have a little guidance when comparing insurance rates for 4x4 vehicles, the agencies below can aid you in deciding which coverage fits your budget. To locate an agency close to where you live, click the button at the bottom of the list or click here to compare rates now.
Farmers Insurance - The Arttus Agency
624A Struck St - Madison, WI 53719 - (608) 271-9395
2810 Crossroads Dr #4000 - Madison, WI 53718 - (608) 535-9291
Wisconsin Insurance Security Fund
2820 Walton Cmns W # 135 - Madison, WI 53718 - (608) 242-9473
Allstate Insurance Agent: George McDevitt
4706 Cottage Grove Rd Ste 300 - Madison, WI 53716 - (608) 222-2411
How to find the cheapest auto insurance for 4x4 vehicles
Lowering your rates is not difficult, and here are some of the recommended money-saving suggestions that can help Madison drivers find cheap car insurance.
- Do not insure for full coverage
- Buying home and auto together can help save money
- Tickets and violations raise rates
- Choose a safer vehicle and pay lower rates
- Earn discounts for being claim-free
- Avoid preventable accidents
- Shop around for cheaper prices
The last idea is notably critical, as we noted in the prior information. Auto insurance rates in Madison can be adjusted at any time, so drivers shouldn't hesitate to buy a policy from a new company if a cheaper rate is available.
We understand brand loyalty, but it isn't a good idea if it's costing you money that could be going to better use. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for 4x4 vehicles.