Buy car insurance and choose a freebie with Confused.com Rewards
Single annual policy. Lidl Plus app required, 18+, geographical exclusions apply. T&Cs applyHow do I get cheaper 4x4 insurance?
While 4x4s are more expensive to insure than cars on average, there are various ways to lower the price of your 4x4 insurance:
- Join an owners’ club
- Limit modifications
- Improve security
- Increase the voluntary excess
- Pay annually
- Reduce your annual mileage
Join an owners’ club. Some insurers will give you a discount on your insurance if you’re a member of a 4x4 owners’ club.
Limit modifications to keep insurance prices down. Adding extras to your 4x4 such as roof racks, lights, suspension upgrades, snorkels and alloys are likely to make your quote more expensive.
Improve security to keep your 4x4 safe from thieves and vandals. For instance, parking your car in your driveway or garage at night may help cut the cost of 4x4 insurance. You could also consider fitting a security device such as an alarm or tracker.
Increase the voluntary excess. Raising your excess could reduce the price of your insurance. However, this also means your payout would be lower in the event of a claim.
Paying annually can make a significant saving on your 4x4 insurance. By choosing to pay in one upfront lump sum rather than by monthly direct debit – you could save up to 15%1.
Reducing your annual mileage could also get you cheaper insurance. Generally speaking, the less miles you drive in your 4x4, the lower the price of your insurance. The more miles you do, the greater the chances of you making a claim.
1 Based on Confused.com data January - September 2021
We compare up to 132 trusted insurance companies to get you our cheapest deal in minutes
What does 4x4 insurance cover?
There are three main levels of insurance to choose from:
- Third-Party is the lowest level of cover and represents the minimum legal requirement that you need to drive in the UK. If you are in an accident, you’ll be covered for damage to other people’s vehicles and any injuries sustained to others. However, you and your 4x4 will not be covered.
- Third-Party Fire & Theft gives you the minimum level of cover you get with third-party insurance, third-party fire & theft means your 4x4 will also be insured against damage caused by fire and theft.
- Comprehensive gives you everything you get with a third-party fire & theft policy, but also means you and your car are insured even for accidents where you’re to blame.
You’ll also have to choose a class of use, which basically means how you use your 4x4:
- Social-only is suitable if you don’t use your 4x4 for anything to do with work.
- Social and commuting to work covers you for social use and commuting to a single place of work.
- Business use covers you for social and commuting plus business driving away from your normal place of work. You could choose business cover for yourself, you and your spouse, just your spouse or all named drivers on the policy.
What our car insurance expert says
Remember, you might not be covered to tow a caravan or trailer. Most insurers include third-party cover for trailers, but you’ll need to check if you’re covered for caravans and also ask about weight restrictions.
Car insurance expert
Types of car insurance
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
Car insurance guides

What to do if you're hit by an uninsured driver
What happens if you're involved in an accident with an uninsured or untraceable driver.

Checklist for challenging a PCN
Does the Penalty Charge Notice process confuse you? We're here to help.

Ultra Low Emission Zone: What does ULEZ mean for motorists?
The Ultra Low Emissions zone or ULEZ aims to reduce pollution in London. But many drivers have been left confused by the extra charge.

Best car phone holders 2022
Getting a car phone cradle is a fairly basic purchase, but essential if you use a phone or sat nav for navigation.

Watching TV could be allowed in self-driving cars
A new change to the Highway Code could mean you can watch TV in your self-driving car. But is it safe?

Driving in Spain: speed limits, laws and requirements
All you need to hit the road in sunny Spain.