Wouldn’t it be awesome if we could just tell you the single best company in Cincinnati that has the cheapest insurance for 4×4 vehicles? Unfortunately, it’s not that simple as there are a whole bunch of unknown factors like the number of miles you drive each year, if you want full coverage included, and your credit rating. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to avoid overpriced car insurance and should give you a solid foundation to find cheaper car insurance in Cincinnati.
The car, truck, or SUV you are insuring is a large factor when comparing the most affordable car insurance for 4×4 vehicles. Vehicles with lower performance, good safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models.
The information below ranks insurance prices for a number of the cheapest automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 STX Regular Cab 2WD | $1,235 |
| Honda CR-V EX-L 2WD | $1,317 |
| Chevrolet Equinox LT 2WD | $1,332 |
| Toyota RAV4 Sport 2WD | $1,337 |
| Dodge Grand Caravan Crew | $1,356 |
| Honda Accord LX 4-Dr Sedan | $1,382 |
| Ford Escape XLT 2WD | $1,387 |
| Chevrolet Malibu LTZ | $1,423 |
| Nissan Rogue SL AWD | $1,498 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,520 |
| Toyota Camry Hybrid | $1,522 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,524 |
| Toyota Prius | $1,534 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,546 |
| Ford Explorer Eddie Bauer AWD | $1,553 |
| Dodge Ram Quad Cab ST 2WD | $1,556 |
| Honda Odyssey EX | $1,601 |
| Ford Focus SE 4-Dr Sedan | $1,610 |
| Chevrolet Impala LS | $1,601 |
| Toyota Camry XLE | $1,604 |
| Ford Edge Sport AWD | $1,612 |
| Hyundai Elantra SE 4-Dr Sedan | $1,604 |
| Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD | $1,618 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific garaging location which can raise or lower coverage rates greatly.
By looking at the data, you can expect cars like the Ford F-150, Honda CR-V, Chevrolet Equinox, Toyota RAV4, and Dodge Grand Caravan are some of the cheaper vehicles to insure for off-road vehicles.
For off-road vehicles, one of the largest components that are looked at to determine the price you pay for insurance is where you live in Cincinnati. Areas with a lot of weather claims or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below ranks the most expensive cities in Ohio for 4×4 vehicles to purchase car insurance in. Cincinnati is ranked #5 with an annual premium of $1,174 for coverage, which is around $98 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Cleveland | $1,272 |
| 2 | Toledo | $1,267 |
| 3 | Youngstown | $1,235 |
| 4 | Columbus | $1,235 |
| 5 | Cincinnati | $1,174 |
| 6 | Cleveland Heights | $1,166 |
| 7 | Euclid | $1,140 |
| 8 | Hamilton | $1,135 |
| 9 | Akron | $1,135 |
| 10 | Dayton | $1,120 |
| 11 | Springfield | $1,105 |
| 12 | Fairfield | $1,085 |
| 13 | Canton | $1,069 |
| 14 | Middletown | $1,066 |
| 15 | Beavercreek | $1,058 |
| 16 | Newark | $1,053 |
| 17 | Strongsville | $1,041 |
| 18 | Lakewood | $1,041 |
| 19 | Kettering | $1,009 |
| 20 | Mentor | $1,008 |
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Premium costs are comparative as the garaging address in Cincinnati can lower or raise premium rates considerably.
Types of discounts on Cincinnati car insurance
Car insurance companies that sell policies for 4×4 vehicles may provide premium discounts that can reduce rates by 25% or more if you are eligible for them. A few of the larger companies and some of the discounts are detailed below.
- State Farm offers premium reductions for safe vehicle, driver’s education, student away at school, multiple policy, accident-free, defensive driving training, and good driver.
- GEICO may include discounts for anti-theft, multi-policy, defensive driver, federal employee, daytime running lights, and air bags.
- Progressive may offer discounts for good student, online signing, multi-vehicle, homeowner, continuous coverage, and multi-policy.
- 21st Century has savings for teen driver, defensive driver, theft prevention, driver training, and air bags.
- American Family discounts include early bird, defensive driver, Steer into Savings, air bags, TimeAway discount, multi-vehicle, and mySafetyValet.
- The Hartford policyholders can earn discounts including bundle, defensive driver, good student, air bag, anti-theft, and driver training.
- AAA offers discounts for multi-car, anti-theft, good driver, AAA membership discount, pay-in-full, and education and occupation.
The chart below visualizes the comparison of insurance prices with and without discounts applied to the rates. The data assumes a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, defensive driving course, multiple policy, homeowner, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for 4×4 vehicles is 28% or $458.
The chart below illustrates how your choice of deductibles can raise or lower insurance rates when researching cheap insurance for 4×4 vehicles. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could lower rates by $250 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $378 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could reduce their rates as much as $536 or more by using a higher deductible. When choosing a higher deductible, it will be necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Full coverage rates compared to liability only
Reducing premiums for insurance is important to the majority of people, and a great way to buy cheaper insurance for 4×4 vehicles is to buy liability only. The example below visualizes the comparison of auto insurance rates when comparing full coverage to liability only. The premium estimates are based on no accidents or driving violations, $250 deductibles, single status, and no other discounts are factored in.
On average, physical damage coverage costs $1,601 per year over liability only. That is a large expense and it proposes the question if physical damage coverage is worth the money. There isn’t a steadfast formula for phasing out physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
There are some situations where buying only liability insurance is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
If you would rather get some help when trying to find the best insurance rates for 4×4 vehicles, the professional agents shown below can probably provide answers to your questions and help you determine which coverage fits your budget. To find an auto insurance agency close to where you live, click the button after the list.
Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615
Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884
Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300
Find a Cincinnati, OH insurance agent near you
How to find economical auto insurance for 4×4 vehicles
Here are a few penny-pinching ideas that can help Cincinnati drivers find lower-cost coverage.
- Do not get traffic tickets
- Prevent rate increases by staying accident-free
- Buying home and auto insurance together can earn discounts
- Do not file small claims
- Safe vehicles cost less to insure
- Older vehicles may not need full coverage
- Comparison shop at least every other year
The last item on the list is very significant, as we discussed in this article. Car insurance prices change frequently, so don’t hesitate to buy a policy from a new company if a more affordable rate is found. We understand brand loyalty, but it’s not recommended if your bullheadedness ends up costing you a wad of cash every year. It only take a few minutes to compare rates and find cheaper car insurance for 4×4 vehicles in Cincinnati.