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A number of factors are considered when calculating 4x4 car insurance including:
Car insurance groups range from 1 to 50. Generally, the higher the group, the more expensive the car will be to insure. Most 4x4s fall into the 30 to 50 groups. This is because heavier vehicles typically attract higher premiums. Although 4x4s are less likely to sustain damage in an accident, they’re more likely to cause damage to smaller vehicles due to their size and weight. They can also be pricey to repair as the parts are often heavy duty. Suspension/axle repair costs for a Range Rover Sport can be as much as £3,863 compared to the average cost of £297, according to car warranty specialists MotorEasy.
As with any vehicle, there are ways to help reduce the cost of your 4x4 car insurance.
Even a tow bar counts as a modification if it hasn’t been fitted as part of the manufacturer’s standard factory settings.
Also bear in mind there are weight limits to what you can tow depending on when your driving licence was issued. Check our guide to towing, limits and insurance for more information.
For more ways to help lower your premium, check out our top tips for cheap car insurance
A good starting point is our car insurance comparison service. We can also offer van insurance depending on how your four-wheel drive is classed. Comparing quotes with us only takes a few minutes of your time, and could save you up to £244** on your premium. **Based on Online independent research by Consumer Intelligence during May 2019 50% of customers could save up to £244.07 on their car insurance premium.