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4×4 Insurance

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What is 4×4 insurance?

A 4×4 is simply a vehicle that can power all 4 wheels at the same time. 4 by 4 insurance protects these vehicles if they are damaged or destroyed in events like accidents, fire, or theft. Just like a car, if you drive your 4×4 on the road, you’ll need a minimum of third party 4×4 insurance in the UK. 

Types of coverage available for 4×4 vehicles

When do I need specialist 4×4 insurance?

  • Off-road and green laning insurance – Taking your 4×4 off-road comes with higher risks that won’t be covered by standard insurance. If you participate in shows or races, you will need specialist insurance cover.
  • Modified 4×4 insurance – Modifications can increase the risk of theft or vandalism, and insurers need to be made aware of any changes you make to your 4×4, including signage. 
  • Classic 4×4 insurance – Classic 4x4s like those from Land Rover or Jeep can benefit from this insurance if they are not your main mode of transport. It can also offer cover for shows.
  • Business use 4×4 insurance – Including business use cover on your 4×4 insurance ensures you are protected when using the vehicle as part of your occupation or business.
  • 4×4 telematics insurance – Telematics or black box insurance policies can be a great choice for younger drivers. They may come with more limitations but can help offset the high premiums these drivers experience.

Why is 4×4 insurance so expensive?

With the average cost of car insurance rising in recent years, motor insurance has become more expensive overall. If you are switching from a car to a 4×4, you could find 4×4 insurance particularly expensive. This will be down to several factors that influence the cost of 4×4 insurance, including:

The vehicle’s value

Broadly speaking, 4x4s can be more expensive than smaller everyday cars. If you choose comprehensive cover, your insurer will need to cover the vehicle’s value, so they raise premiums accordingly.

Availability and cost of parts

Expensive parts mean expensive repairs. This can couple with difficulty in finding replacement parts if you drive a classic 4×4.

Accident rates in 4x4s

The number of accidents that occur in different vehicles are recorded and considered by insurers when they set premiums. The size and power of 4x4s can make for more extreme accidents when they do occur.

Insurance groups

Because of the general power and engine size of 4x4s, they are often placed in higher insurance groups. This could mean higher premiums. 

How much is 4×4 insurance?

The latest Quotezone data puts the average cost of UK car insurance at £769.19 in 2025. However, averages aren’t always the best indicator of what you will pay. One of the fastest and easiest ways to find out the cost of your 4 by 4 insurance is to get quotes that are personalised to your exact vehicle and needs. 

Factors that affect the price of 4×4 insurance

  • Insurers will give different weight to various factors that indicate the risk of insuring your 4×4. These can vary but often include:
  • The make and model of your 4×4 – Whether you’re looking for Range Rover, Mercedes, or Toyota Hilux insurance, your 4×4’s make and model indicates its value and insurance group. And these are both central to your insurance premiums.
  • How you use your 4×4 – Specialist use like driving off-road or business use can increase the risk of damage to your 4×4, and insurers will charge a premium for this cover.
  • Modifications – Aesthetic and performance modifications can put the 4×4 at a higher risk and increase its overall value. So adding features like larger tyres or suspension lifts can raise premiums.
  • Your risk as a driver – Your age, where you live, past convictions and your no claims discount can all indicate the risk of insuring you as a driver.

How can I find cheap 4×4 insurance?

  • Taking steps to lower the risk of insuring you and your vehicles could help towards finding cheaper 4×4 insurance quotes.
  • Give an accurate annual mileage – Overestimating your annual mileage could mean you are paying more than necessary. Take time to accurately calculate this number.
  • Only include cover you need – Coverage like adding additional drivers, breakdown, or windscreen cover all come with additional premiums, so make sure they are something you really want if you include them.
  • Choose higher excesses – Choosing the highest excess you are comfortable paying could be rewarded with cheaper quotes from some insurers.
  • Park in a private driveway where possible – Recent research by Quotezone on how lifestyle affects insurance premiums shows that parking in a private driveway could save drivers £268 when compared to parking on a public road.
  • Compare 4×4 insurance quotes – Comparing policies from a range of insurers helps you make informed decisions. It also means you’re less likely to miss out on a cheaper deal on insurance for a 4×4.

How to compare insurance for 4x4s at Quotezone.co.uk

Enter a few basic details about you, your 4×4, and the coverage you want.

Get matched with insurers who can provide cover for your needs, starting with your cheapest option first

Review the policies on offer to find one that matches your needs and budget, and click through to buy on the providers’ website.

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*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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