{"id":193246,"date":"2019-05-09T12:17:02","date_gmt":"2019-05-09T11:17:02","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=193246"},"modified":"2026-04-02T13:08:19","modified_gmt":"2026-04-02T12:08:19","slug":"4x4-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/4x4-insurance","title":{"rendered":"4×4 insurance"},"content":{"rendered":"

If you own a 4×4, you may be used to shelling out a whole heap to keep it running, but should you also expect to pay a hefty amount to protect it? If you want to cut costs without cutting cover, you do have options. Read our guide to discover why 4×4 insurance can often be pricey but find out what steps you could take to lower your premiums for your pride and joy.<\/p>

Why are 4x4s so expensive to insure?<\/h3>

As with all motor insurance, there are several factors that insurers will look at in order to calculate the insurance premium. These can include the age and driving experience of the driver and where they live<\/a>, as well as the make and model<\/a> of the vehicle, its value, what it’s used for, where it’s kept at night and how often it will be on the road, amongst others.<\/p>

Another factor that can affect the price of insurance is the insurance group rating of a vehicle. Every new vehicle in the UK is given an insurance group<\/a> rating of between 1 and 50, with 1 being the cheapest to insure while 50 is the most expensive to insure. The rating is based on a number of elements including the vehicle’s original sale price, its performance, its security and cost of repair work.<\/p>

As a result of this insurance group rating, 4x4s will often fall into the higher group rating simply because they cost more to buy than traditional cars. Parts might also be more expensive, leading to higher repair costs. This is what ultimately pushes the price of the insurance premium up.<\/p>

What might affect the cost of my 4×4 insurance?<\/h3>

Your insurance premium will very much depend on your own circumstances as well as your vehicle. Some 4x4s may well be cheaper to insure than others. This is because 4x4s come in a range of shapes and sizes and may also be used differently, for example, used for short journeys and running errands or used for off-road work.<\/p>

It’s also worth noting that while car insurance may be suitable for some 4x4s, others may require van insurance. Check to see what cover your 4×4 needs before committing to a policy.<\/p>

Levels of coverage<\/h3>

4×4 insurance comes in the same three cover levels of motor insurance including:<\/p>