The words “affordable” and “insurance” really don’t belong together, in particular when comparison shopping for the best coverage prices for 4×4 vehicles. In an attempt to save some money, let’s take a look at some of the things that determine auto insurance premiums, and see how we can help you reduce the cost of the next policy you buy.
Establishing which companies offer the cheapest car insurance rates for 4×4 vehicles calls for a little more effort than just quoting one company’s rates. Each insurer has their own process for determining prices, so to begin we’ll rank the car insurance companies with the overall cheapest rates in California.
Find the Cheapest Car Insurance for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,214 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
Wawanesa offers some of the most affordable car insurance rates in Oakland at around $1,146 a year. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA also are some of the best Oakland, CA car insurance companies.
As the rates illustrate above, if you are insured with Century National and switched to Wawanesa, you could earn an annual premium reduction of about $68. Drivers with Nationwide may save as much as $80 a year, and CSAA insureds might lower prices by up to $88 a year.
If you want to see how much you could save, click here to begin a quote or visit any of the low-priced companies below.
Remember that these estimates are averaged for all drivers and vehicles and do not factor in a specific vehicle garaging location for 4×4 vehicles. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes using your own individual information.
The vehicle requiring coverage is probably the largest consideration when comparison shopping for the most affordable auto insurance for 4×4 vehicles. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models. The list below estimates coverage costs for a selection of the most economical vehicles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,343 |
| Honda CR-V LX 4WD | $1,471 |
| Hyundai Elantra GLS Touring Station Wagon | $1,476 |
| Toyota Prius | $1,490 |
| Dodge Grand Caravan SE | $1,508 |
| Toyota Tacoma 4WD | $1,513 |
| Ford Escape XLT 4WD | $1,558 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,639 |
| Ford Explorer XLT AWD | $1,647 |
| Honda Civic LX-S 4-Dr Sedan | $1,649 |
| Ford Edge SE 2WD | $1,673 |
| Toyota Corolla XRS | $1,709 |
| Ford Fusion SE 4-Dr Sedan | $1,716 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,741 |
| Toyota RAV4 Sport 2WD | $1,795 |
| Nissan Altima 2.5 4-Dr Sedan | $1,803 |
| Toyota Camry Hybrid | $1,822 |
| Get a Custom Quote Go | |
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific location which can revise prices substantially.
Based upon the table data, cars like the Honda Accord, Honda CR-V, Hyundai Elantra, and Toyota Prius will be some of the more affordable vehicles to insure for off-road vehicles.
Car insurance company ratings
Selecting a high-quality car insurance provider can be difficult considering how many companies sell insurance in Oakland. The ranking information in the next section could help you pick which car insurance providers you want to consider comparing rate quotes with.
The ratings below are only comprised of companies that write coverage in many states, so companies that have a smaller presence will not be included in this list. To check prices from the insurers below and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for 4×4 vehicles. The premiums are based on a married male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could save $460 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $692 by using a $1,000 deductible. Youthful drivers, like the age 20 example, have the ability to save as much as $1,398 annually just by using higher deductibles. When choosing a higher deductible, it is a good idea to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Impact of citations and accidents on insurance rates
The easiest method to get cheap car insurance rates for off-road vehicles is to drive attentively and maintain a clean driving record. The chart below illustrates how traffic citations and fender-benders can raise insurance premiums for different categories of driver ages. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $2,157. Receive one speeding ticket and the average cost hikes up to $2,476, an increase of $319 each year. Then include two accidents along with the one speeding ticket and the yearly cost of car insurance for 4×4 vehicles goes up to an average of $5,157. That’s an increase of $2,999, or $250 per month, just for not paying attention while driving!
Oakland car insurance rates
Oakland, CA car insurance rates are impacted by many factors that will increase or decrease the policy premium. Simply having another birthday, moving to a different location, or having an accident may prompt premium changes that can now make some companies cheaper in comparison to the competition. Not only may things change on your end, but auto insurance companies file new California car insurance rates without warning to adjust for gains or losses. Significantly higher claims can result in increased policy costs, while a lower level of claims may result in more affordable Oakland car insurance rates.
The bar chart below demonstrates which company has the cheapest car insurance in Oakland, CA for a 35-year-old female driver with no violations or accidents, and a good credit history. If we look at prices based on her current risk factors, USAA may have the lowest car insurance rates in Oakland at $1,494 per year. This is $157 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Oakland, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim, bad credit, and a few blemishes on her driving record. Because each company has their own process for determining prices, getting updated rate quotes may now present a substantially altered list of the cheapest Oakland car insurance companies as shown below.
Grange now has the cheapest auto insurance in Oakland with Progressive, Mercury, Allstate, and GEICO also having competitive pricing. This illustrates why consumers need to take the time to perform a complete rate comparison when trying to get the most budget-friendly car insurance quotes for 4×4 vehicles. Car insurance prices can be altered by many things and can change substantially, so the best company when you last compared rates may now be wasting a lot of money.