Trying to find affordable car insurance is not most people’s favorite thing to do, and finding out which companies quote the lowest-priced car insurance rates for 4×4 vehicles calls for even more shopping around. Every car insurance company has their own unique process to establish rates, so we’ll take a look at the car insurance companies with the most affordable rates in Virginia Beach, VA.
Compare Cheap Insurance Quotes for 4×4’s
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$826|
|15||National Grange Mutual||$1,060|
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Travelers quotes some of the best car insurance rates in Virginia Beach at around $679 each year. This is $479 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also qualify as some of the most economical Virginia Beach, VA auto insurance companies.
As depicted above, if you have coverage with Auto-Owners and switched to USAA, you might achieve savings of roughly $49. Virginia drivers with Utica National may save as much as $72 a year, and Erie customers might reduce rates by $88 a year.
To find out how much you can save, click here to get quotes or feel free to get quotes from the companies below.
These policy rates are averaged across all drivers and vehicles in Virginia and and are not calculated with a vehicle location for 4×4 vehicles. So the company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The make and model of vehicle that needs insurance is one of the biggest factors that determines whether or not you find low-priced insurance for 4×4 vehicles. Vehicles with lower performance, a plethora of safety features, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models.
The data below estimates auto insurance costs for a number of the cheaper vehicles to insure in Virginia.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,148|
|Ford Escape Limited 2WD||$1,175|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,289|
|Honda CR-V EX-L 4WD||$1,332|
|Jeep Grand Cherokee Laredo 2WD||$1,361|
|Toyota RAV4 Limited 2WD||$1,369|
|Chevrolet Impala LT||$1,361|
|Toyota Camry LE||$1,371|
|Volkswagen Jetta S 2.5 Station Wagon||$1,371|
|Hyundai Elantra Blue 4-Dr Sedan||$1,409|
|Ford Edge Limited AWD||$1,436|
|Toyota Corolla XLE||$1,443|
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific location information which can affect price quotes greatly.
Based upon the table data, vehicles like the Honda Accord, Ford Escape, Toyota Prius, and Jeep Wrangler will definitely be some of the cheapest vehicles to insure for off-road vehicles.
One of the more important components that help determine auto insurance rates is where you choose to live in Virginia Beach. Regions with larger populations or more claims tend to have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The next table shows the highest-priced places in Virginia for 4×4 vehicles in which to buy car insurance. Virginia Beach is listed at #16 costing $920 for the average insured, which is around $77 monthly.
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Table data uses comparative as specific Virginia Beach zip code can raise or lower prices considerably.
Car insurance companies ranked
Insuring your vehicle with the right auto insurance company is difficult considering how many different companies there are to choose from in Virginia Beach. The company information below can help you choose which auto insurance companies you want to consider comparing price quotes from.
These rankings are only made up of large, nationwide insurance companies, so companies without a large exposure are not factored into this list. To compare price quotes from many more Virginia auto insurance companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The information below shows how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for 4×4 vehicles. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could lower their car insurance rates by $316 a year by switching from a $100 deductible to a $500 deductible, or save $474 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices up to $708 or even more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to get discounts on Virginia Beach insurance
Insurers that provide coverage for 4×4 vehicles may also give you discounts that can reduce rates by 30% or more if you can meet the requirements. A list of car insurance companies and a selection of discounts are outlined below.
- State Farm offers discounts including defensive driving training, good student, Drive Safe & Save, student away at school, safe vehicle, and anti-theft.
- American Family offers premium reductions for bundled insurance, good student, Steer into Savings, defensive driver, and air bags.
- GEICO may have discounts that include multi-policy, emergency military deployment, good student, five-year accident-free, seat belt use, and multi-vehicle.
- 21st Century may include discounts for automatic seat belts, teen driver, good student, student driver, and defensive driver.
- Progressive offers discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, good student, online signing, and online quote discount.
The example below shows the comparison of auto insurance costs with and without discounts. The costs are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, passive restraint, anti-theft, accident-free, vehicle safety, and claim-free discounts applied. When discounts are applied, the average amount saved each year on car insurance for 4×4 vehicles is 27% or $391.