For off-road vehicles, one of the big criteria that determine the price you pay for insurance is your address. Areas with a lot of weather claims or more people tend to pay more, whereas areas with less congestion benefit from having to pay less for coverage.
The table below lists the highest-priced areas in Texas for 4×4 vehicles to purchase auto insurance in. San Antonio is ranked at #13 with the annual price of $1,722 for the average policy, which is about $144 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,870 |
| 4 | Garland | $1,850 |
| 5 | Amarillo | $1,840 |
| 6 | Houston | $1,835 |
| 7 | Laredo | $1,833 |
| 8 | Grand Prairie | $1,811 |
| 9 | Irving | $1,789 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,771 |
| 12 | Pasadena | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,716 |
| 15 | Arlington | $1,692 |
| 16 | Austin | $1,676 |
| 17 | Carrollton | $1,647 |
| 18 | El Paso | $1,632 |
| 19 | Plano | $1,624 |
| 20 | Fort Worth | $1,621 |
| 21 | Corpus Christi | $1,572 |
| 22 | McKinney | $1,561 |
| 23 | Killeen | $1,533 |
| 24 | Waco | $1,522 |
| 25 | Abilene | $1,499 |
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Table data uses comparative as the garaging address in San Antonio can modify insurance rates considerably.
Comparing rates for low-cost insurance is challenging, and finding out which company has the lowest-priced insurance rates for 4×4 vehicles will take even more perseverance. Each insurer uses their own calculation for setting prices, so let’s take a look at the most budget-friendly insurance companies in Texas.
It’s a good idea to know that Texas insurance rates are calculated based on many things that can increase the price you pay. This price variation is why Texas drivers need to shop around to get affordable auto insurance quotes for 4×4 vehicles. Auto insurance prices are determined by many risk factors and can change substantially, so the most affordable company when you bought your policy may now be an over-priced policy.
Best Insurance Companies for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
| Compare Rates Now Go | ||
Travelers generally has some of the most affordable car insurance rates in San Antonio at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the most economical San Antonio, TX insurance companies.
In the above example, if you buy coverage from California Casualty and switched to USAA, you might achieve annual savings of roughly $287. Texas drivers with Esurance might save as much as $326 a year, and State Farm customers might reduce rates by $355 a year.
Understand that those rates are averages across all types of insureds and vehicles and do not factor in a vehicle location for 4×4 vehicles. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The type of vehicle you are seeking coverage for is one of the main factors that determines whether or not you find the best cheap insurance for 4×4 vehicles. Vehicles with lower acceleration and performance, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.
The next table outlines car insurance costs for the most affordable vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sahara 4WD 2-Dr | $1,121 |
| Ford Escape XLT 4WD | $1,168 |
| Ford F-150 Lariat Crew Cab 2WD | $1,205 |
| Ford Explorer Limited AWD | $1,214 |
| Ford Edge Limited AWD | $1,243 |
| Honda CR-V EX-L 4WD | $1,255 |
| Toyota Prius | $1,264 |
| Dodge Grand Caravan CV | $1,284 |
| Dodge Ram Crew Cab SLT 2WD | $1,289 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,327 |
| Hyundai Elantra SE Touring Station Wagon | $1,332 |
| Toyota Camry Hybrid | $1,350 |
| Kia Optima SX | $1,359 |
| Jeep Grand Cherokee Laredo 2WD | $1,354 |
| Chevrolet Impala LT | $1,359 |
| Start Your Quote Go | |
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific location which can decrease or increase coverage rates considerably.
Based upon the rates shown, you can conclude that models like the Jeep Wrangler, Ford Escape, Ford F-150, and Ford Explorer are the less-costly vehicles to insure for off-road vehicles.
Drive responsibly or pay higher rates
The best way to maintain cheap insurance prices in Texas for off-road vehicles is to drive attentively and avoid at-fault accidents and violations. The chart below demonstrates how citations and at-fault collisions raise premium costs for different age groups. The prices are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of a car insurance policy in San Antonio per year with no accidents and a clean driving record is $1,793. Receive one speeding ticket and the average cost hikes up to $2,022, an increase of $229 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for 4×4 vehicles goes up to an average of $4,077. That’s an increase of $2,283, or $190 per month, just for not driving attentively!
The chart below demonstrates how choosing different deductibles can change yearly insurance costs when getting quotes for cheap insurance for 4×4 vehicles. The information is based on a single male driver, comp and collision included, and no discounts are applied.
In the chart above, a 50-year-old driver could save $314 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $472 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save $1,026 each year by choosing a larger deductible amount. When choosing a higher deductible, it will be important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Why are you paying too much for car insurance?
San Antonio, TX insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Turning one year older, buying a different home, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper than competitors. In addition, insurers change rates without warning in order to be able to pay unexpected claims. Significantly higher claims can cause increased rates, while better underwriting can produce cheaper San Antonio car insurance rates.
The bar chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 35-year-old male driver with no accidents, a clean driving record, and good financial standing. Based on his current risk profile, Travelers quotes the best car insurance rates in San Antonio at $1,193 per year. This is $711 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the top five cheapest San Antonio, TX auto insurance companies.
The next chart shows rates after we give the driver from the above example a chargeable claim, a lower credit rating, and a few traffic violations. Because every insurance company uses a different method for setting prices, comparing rates could now result in a completely different list of affordable companies as shown below.
State Farm now has the cheapest insurance rate in San Antonio with Mercury, USAA, Nationwide, and Safe Auto completing the list. This example illustrates why Texas drivers need to compare rates to get cheap insurance quotes for 4×4 vehicles.
Insurance prices consist of many factors and change frequently, so the lowest-price company the last time you shopped your coverage around may now be quite expensive.