Who Has Affordable Auto Insurance for 4×4 Vehicles in Indianapolis?

For off-road vehicles, one of the more important things that are used to help calculate the annual cost of car insurance is where you live in Indianapolis. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas less populated areas have the luxury of cheap car insurance rates.

The information below lists the most costly cities in Indiana for 4×4 vehicles to purchase car insurance in. Indianapolis comes in at #5 costing $1,092 for the average insured, which is around $91 per month.

Car insurance prices in Indianapolis
Rank City Average Per Year
1 Gary $1,360
2 Hammond $1,327
3 Merrillville $1,139
4 Portage $1,137
5 Indianapolis $1,092
6 Lawrence $1,088
7 Evansville $1,077
8 Terre Haute $1,077
9 Jeffersonville $1,070
10 New Albany $1,070
11 Anderson $1,031
12 Kokomo $1,011
13 Elkhart $995
14 Bloomington $988
15 Richmond $973
16 Muncie $965
17 Greenwood $960
18 Carmel $957
19 South Bend $956
20 Fort Wayne $956
21 Columbus $955
22 Noblesville $948
23 Fishers $945
24 Mishawaka $936
25 Lafayette $899
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Premium amounts are comparative as the specific garaging location can decrease or increase rates noticeably.

Finding out which company has the best auto insurance rates for 4×4 vehicles involves a bit more work in order to find the lowest price quote. Each insurer uses a different method to set policy rates, so we’ll go over the auto insurance companies that tend to be cheaper in Indiana.

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Indiana auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $614
2 USAA $681
3 Cincinnati Insurance $684
4 Erie $733
5 Indiana Farmers Mutual $849
6 Western Reserve $864
7 Auto-Owners $888
8 The Hartford $889
9 Motorists Mutual $956
10 State Farm $957
11 Utica National $965
12 Nationwide $968
13 Safeco $1,003
14 Hastings Mutual $1,013
15 Farmers $1,022
16 State Auto $1,087
17 Wolverine Mutual $1,094
18 Westfield $1,105
19 GEICO $1,122
20 Progressive $1,139
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Travelers quotes some of the lowest car insurance rates in Indianapolis at around $614 annually. This is $626 less than the average rate paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual are also some of the cheapest Indianapolis, IN auto insurance companies.

As the rates illustrate above, if you currently have coverage with Erie and switched to Travelers, you might see an annual premium reduction of around $119. Insureds with Indiana Farmers Mutual could save as much as $235 a year, and Western Reserve customers might reduce rates by $250 a year.

Remember that these policy prices are averaged across all drivers and vehicles and are not factoring in an exact zip code location for 4×4 vehicles. So the car insurance company that fits your situation best may not even be in the top 36 companies in the list above. That points out the importance of why you need to get quotes using your own specific driver and vehicle information.

The type of vehicle you are trying to insure is probably the largest consideration when comparing quotes for affordable coverage for 4×4 vehicles. Vehicles with limited top-end speed, a great safety record, or a low likelihood of liability claims will cost less to insure than high performance models.

The information below ranks coverage rates for the cheapest vehicles to insure in Indiana.

Cheapest Vehicles to Insure in Indianapolis, IN
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,139
Honda CR-V LX 2WD $1,149
Jeep Wrangler Sport 4WD 2-Dr $1,177
Honda Odyssey LX $1,249
Ford F-150 XLT Regular Cab 4WD $1,276
Honda Accord LX 4-Dr Sedan $1,285
Toyota RAV4 2WD $1,350
Volkswagen Jetta S 2.5 Station Wagon $1,358
Toyota Prius $1,387
Dodge Grand Caravan SE $1,396
Ford Edge SE AWD $1,447
Honda Civic Hybrid 4-Dr Sedan $1,456
Ford Explorer XLT AWD $1,449
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific location information which can alter auto insurance rates significantly.

Based on these rates, you can expect models like the Ford Escape, Honda CR-V, and Jeep Wrangler will be some of the less-costly vehicles to insure for off-road vehicles.

Indianapolis auto insurance companies

Choosing the best company is hard considering how many choices drivers have in Indianapolis. The rank data listed below may help you analyze which companies you want to consider when comparing auto insurance rates for 4×4 vehicles. The rankings below include companies that write coverage in many states, so companies that may only write in Indiana will not be included in the list.

Best Ten Auto Insurance Companies for 4×4 Vehicles in Indianapolis
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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Data Source: Insure.com Best Car Insurance Companies

Discount Indianapolis auto insurance

Cheaper Indianapolis, IN auto insurance for off-road vehiclesCar insurance companies that offer cheap quotes for 4×4 vehicles may provide special discounts that could lower prices by as much as 35% or more if you qualify for them. Larger auto insurance companies and a partial list of their discounts are outlined below.

The diagram below visualizes the comparison of auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or driving violations, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, anti-theft, multiple vehicle, marriage, passive restraint, and claim-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for 4×4 vehicles is 28% or $549.

The chart below shows how different deductible levels can raise or lower insurance costs when researching cheap insurance for 4×4 vehicles. The data is based on a single male driver, full physical damage coverage, and no policy discounts are applied.

In the chart above, a 40-year-old driver could pocket $312 a year by changing from a $100 deductible up to a $500 deductible, or save $470 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could save up to $1,042 every year by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it’s a good idea to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Tips to find economical auto insurance for 4×4 vehicles

It’s not impossible to find cheaper rates, and here are a few thrifty solutions that can help you get cheaper coverage.

That last tip is certainly valuable, as we hit on in the prior article. Insurance rates fluctuate constantly, so don’t be hesitant to switch carriers if a more affordable price is available. Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you a small fortune year after year. It only take a few minutes to compare rates and find cheaper auto insurance for 4×4 vehicles in Indianapolis.