Unless you’re planning to drive off-road, you’ll be able to insure most 4x4s under a normal insurance policy. But the type of insurance you need depends on the type of 4x4 you have and whether you need cover for social use, commuting or business use.
If you already know what type of insurance you need, compare quotes now to find a deal in minutes. Or read on for everything you need to know about insurance for a 4x4.
This can depend on the size and design of your 4x4, as well as how you use it.
Car insurance
Pick-up insurance
Temporary insurance
Classic car insurance
Car insurance costs £757* on average, but a lot of factors go into how your car insurance is calculated.
This means that in some cases, you might pay less than the average for insurance for a 4x4. But in others, you might find you pay more.
This can be influenced by:
Pickup-style 4x4s need van insurance, but car-like 4x4s need car insurance. The type of cover you need affects what you pay.
Every car sits in one of 50 car insurance groups. Due to their size and the cost to repair them, 4x4s tend to sit in high groups. The higher the group, the more you're likely to pay for your insurance.
As 4x4s tend to be large, heavy vehicles, the damage they can do in collisions is likewise large. Insurers tend to see them as ‘riskier’ to insure than normal cars as a result, meaning you can sometimes pay more to insure them.
Imported car insurance tends to be a bit more expensive than standard car insurance as the parts for them can be more difficult to source. Insurers often seem them as 'riskier' than non-imported cars too, which makes them more expensive to insure.
Find out exactly how much it'll cost for insurance for your 4x4 in just a few minutes by comparing quotes with us.
*Confused.com price index data March - May 2025.
"Finding off-road cover can be tricky - but it does exist. The easiest way to find it is by getting a quote, then contacting the insurer directly to see if they’ll allow you to add it onto your policy. If not, try a 4x4 owner’s group. These can be a great resource, and other members will often be able to point you in the right direction."
Although off-roading may not be covered, insurance for a 4x4 should provide you with cover for other common aspects of 4x4 driving:
Is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Covers you if you use your car for work, including travelling between offices or across the country.
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