Who Has the Cheapest Insurance for 4×4 Vehicles in Missouri?

You have most likely watched the captivating commercials from insurers like Nationwide and Allstate guaranteeing huge savings, so drivers just need to pick one at random, right?

That is not the case, however, as there are a whole bunch of unknown elements like if you are a homeowner or renter, if you have ever let your coverage lapse, and whether you are male or female. In this article, we will cover the best ways to avoid overpriced car insurance and will hopefully give the reader a solid foundation to find cheaper car insurance.

When shopping for cheaper insurance for off-road vehicles, one of the many things that is used by insurance companies to determine car insurance rates is where you keep your car in Missouri. More densely populated places like Saint Louis, University City, and Mehlville tend to pay slightly more, whereas areas with less crime or weather claims tend to receive cheaper rates.

The information below illustrates the most expensive areas in Missouri for 4×4 vehicles to buy an auto insurance policy in.

Table data uses approximated as the specific Missouri residence address can alter insurance rates greatly.

Finding reliable, affordable insurance is not always easy, and determining which companies offer the cheapest car insurance rates for 4×4 vehicles takes even more rate comparisons.

Each insurance company has a proprietary formula for establishing rates, so we’ll go over the lowest cost car insurance companies in Missouri. Keep in mind that Missouri car insurance rates are influenced by many factors that can increase the cost of coverage. This price fluctuation is why Missouri drivers need to shop around with many companies when trying to get the most economical insurance quotes for 4×4 vehicles. Rates are determined by many different factors and can change substantially, so the most economical company when you bought your policy may now be quite expensive.

Find the Best Cheap Insurance for 4×4’s

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google.charts.setOnLoadCallback(drawMOT5qcibChart);function drawMOT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 648, ‘#33CFCA’], [‘The Hartford’, 793, ‘#2AACA8’], [‘Electric’, 849, ‘#238F8C’], [‘Allied’, 867, ‘#1D7774’], [‘Travelers’, 1008, ‘#186360’]]);var options = {title: ‘Top Five Low-Cost Auto Insurance Companies in Missouri’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1108,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA generally has some of the lowest car insurance rates in Missouri at around $648 annually. The Hartford, Electric, Allied, and Travelers also are some of the most economical Missouri auto insurance companies.

As illustrated above, if you currently buy coverage from Electric and switched to USAA, you may realize yearly savings of around $201. Policyholders with Allied could save as much as $219 a year, and Travelers insureds might cut rates by $360 a year.

Remember that these rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a rate discount for 4×4 vehicles. So the car insurance company that can offer the best rates for your situation may not even be in the company chart above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The type of vehicle that needs insurance is a significant factor when quoting the cheapest insurance for 4×4 vehicles in Missouri. Vehicles with more horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than more modest models. The data below showcases car insurance costs for a number of the more afforable automobiles to buy coverage for.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in vehicle location which can decrease or increase prices greatly.

By looking at the data, models like the Honda CR-V, Jeep Wrangler, Chevrolet Silverado, and Honda Odyssey are likely to be a few of the more affordable vehicles to insure for off-road vehicles.

Responsible drivers pay cheaper car insurance rates

A great way to receive the best car insurance prices in Missouri for off-road vehicles is to be a careful driver and avoid tickets and accidents. The information below illustrates how speeding tickets and at-fault fender-benders can increase insurance prices for each different age group. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

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In the previous example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,076. Receive one speeding ticket and the average cost rises to $1,237, an increase of $161 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for 4×4 vehicles jumps again to an average of $2,673. That’s an increase of $1,597, or $133 per month, just for not driving safely!

The example below shows how choosing a deductible can impact insurance rates when trying to find cheap insurance for 4×4 vehicles. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

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The data above shows that a 30-year-old driver could lower their car insurance rates by $296 a year by increasing from a $100 deductible up to a $500 deductible, or save $444 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could possibly save as much as $866 every year by choosing a higher deductible.

When raising deductibles, it will be important to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Cheapest car insurance: Geico, Allstate, Progressive, or State Farm

If you’re looking for the cheapest auto insurance for off-road vehicles, four companies you’ll want quotes from are Geico, Allstate, Progressive, and State Farm. Each company has unique features and discounts that can influence your buying decision. The data below illustrates pricing and service ratings, plus some optional coverages that are available.