The words "bargain" and "auto insurance" probably shouldn't be used in the same sentence, in particular when shopping around for the cheapest car insurance for 4x4 vehicles. To save some money, let's get started by showing you some of the factors the can have a considerable influence on car insurance rates, and find out if you can reduce the price of the next policy you buy.
The type of vehicle you are buying coverage for is probably the most important factor when comparing quotes for low-cost car insurance for 4x4 vehicles. Vehicles with more horsepower, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The information below features insurance premiums for a number of the more affordable vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$821|
|Honda Accord LX-P 4-Dr Sedan||$927|
|Ford Escape XLS 2WD||$932|
|Honda Odyssey EX W/Rear Entertainment||$954|
|Toyota RAV4 Limited 4WD||$972|
|Hyundai Elantra SE Touring Station Wagon||$978|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,001|
|Volkswagen Jetta S 2.5 Station Wagon||$1,003|
|Chevrolet Impala LTZ||$1,025|
|Nissan Rogue SL 2WD||$1,041|
|GMC Sierra SLE Extended Cab 4WD||$1,043|
|Ford Edge Limited 2WD||$1,053|
|Toyota Tacoma 2WD||$1,043|
|Dodge Grand Caravan CV||$1,046|
|Find Cheaper Rates Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can revise premium rates substantially.
Based upon the rates shown, we can presume that vehicles like the Honda CR-V, Toyota Prius, Honda Accord, and Ford Escape will be a few of the most affordable vehicles to insure for off-road vehicles.
Deciding which company offers the most affordable auto insurance rates for 4x4 vehicles in South Carolina requires a tad more effort in order to find the lowest price quote. Every car insurance company has their own formula for determining prices, so we'll take a look at the auto insurance companies that tend to be cheaper in South Carolina.
It's a good idea to know that South Carolina auto insurance rates are calculated based on many things that can increase the cost of a policy. Simply getting older, having a teenage driver, or getting a couple of tickets can produce rate changes that can cause some rates to be cheaper than competitors.
Find the Cheapest Auto Insurance for 4x4's
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,260|
|6||SC Farm Bureau Mutual||$1,286|
|8||National Grange Mutual||$1,361|
|Find Cheaper Rates Go|
The Hartford normally has some of the best car insurance rates in South Carolina at around $752 each year. This is $857 less than the average price paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and Southern Farm Bureau also qualify as some of the most economical South Carolina auto insurance companies.
As shown in the rates above, if you currently have a policy with Southern Farm Bureau and switched to USAA, you may realize annual savings of in the vicinity of $275. Policyholders with SC Farm Bureau Mutual might save as much as $301 a year, and Travelers customers might realize rate reductions of up to $358 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or click several companies below for low rates.
Bear in mind that those rates are averaged across all drivers and vehicles in South Carolina and and are not calculated with a rate decrease for 4x4 vehicles. So the car insurance company that has the cheapest price for you may not even be in the top 18 companies shown above. That illustrates why you need to get quotes using your own personal information and vehicle type.
How careless driving impacts South Carolina auto insurance rates
The easiest method to earn the best auto insurance rates for off-road vehicles is to be an attentive driver and avoid at-fault accidents and violations. The illustration below shows how speeding tickets and fender-benders can affect auto insurance costs for different age categories. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
In the chart above, the average cost of a car insurance policy in South Carolina per year with no violations or accidents is $1,370. Get two speeding tickets and the average cost increases to $1,822, an increase of $452 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance for 4x4 vehicles in South Carolina goes up to an average of $2,282. That's an increase of $911, or $76 per month, just for not driving responsibly!
South Carolina auto insurance company ratings
Selecting the top insurance company can be a challenge considering how many choices drivers have in South Carolina. The ranking data shown below may help you pick which companies to look at when trying find the best insurance for 4x4 vehicles.
The ratings below are only comprised of the largest companies in America, so companies that focus mainly on South Carolina business will not be included in these rankings. To get rate quotes from these companies and more, just click here.
Top 10 Large Auto Insurance Providers in South Carolina Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
How to find more affordable car insurance for 4x4 vehicles
Below you'll find some of the recommended thrifty ideas that can help South Carolina drivers locate cheaper auto insurance.
- Drivers with good credit ratings often pay less
- Safer vehicles cost less to insure
- Raise deductibles to save money
- Don't waste money on full coverage for older vehicles
- Do not get into accidents that are your fault
- Speeding tickets and other violations increase rates
- Look for cheaper rates once a year by shopping around
That last tip is particularly valuable, as we noted in this piece. Coverage prices fluctuate constantly, so don't be tentative to buy from a new company if a better rate can be found.
Brand loyalty is not necessarily bad, but it's not a great idea if that dedication is costing potentially thousands of dollars a year. If you have a few minutes, compare rates to find cheaper insurance for 4x4 vehicles.