How Much is Auto Insurance for 4x4 Vehicles in Cincinnati?

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Wouldn't it be awesome if we could just tell you the single best company in Cincinnati that has the cheapest insurance for 4x4 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 4x4 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.

Cheapest Vehicles to Insure in Cincinnati, OH
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 4x4 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.

How much is auto insurance in Cincinnati, OH?
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

Discounts on insurance for 4x4 vehiclesCar insurance companies that sell policies for 4x4 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.

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 4x4 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 4x4 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 4x4 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 4x4 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

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How to find economical auto insurance for 4x4 vehicles

Here are a few penny-pinching ideas that can help Cincinnati drivers find lower-cost coverage.

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 4x4 vehicles in Cincinnati.