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 insuring 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
What you pay for your insurance depends on a range of factors, from your age to the value of your car, so it’s difficult to say for sure.
According to our data, some 4x4s are actually cheaper to insure than the average. But bear in mind, a lot more than the type of car goes into how your insurance is calculated.
In some cases, you might actually pay more than the average to insure your 4x4 due to:
Pickup-style 4x4s require van insurance, which costs £970* on average, whereas car-like 4x4s require car insurance, which costs £657* on average, so your 4x4's classification could impact what you pay.
*Confused.com price index data Q1 2023.
Every car sits in an insurance group, and due to their size and the cost to repair them, 4x4s tend to sit in high insurance groups. generally, the higher the group your vehicle sits in the higher your insurance costs.
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 pay more for your insurance.
To give you an idea of what you might pay, here are the average cost to insure 3 of the most popular 4x4s in the UK:
Land Rover Defender 110 XS TDI:
£480.33
Dacia Duster Laureate DCI 110 2WD:
£328.22
Toyota Land Cruiser LC4 D4D:
£541.67*
*Based on average insurance costs for fully comprehensive cover across all ages from 02/03/2023 to 30/05/2023
Although off-roading may not be covered, your insurance should provide you with cover for other common aspects of 4x4 driving:
The DVLA rules on what you can legally tow changed at the end of 2021. The new rules mean that if you passed your test from the 1 January 1997, you're now allowed to tow caravans or trailers up to 3,500kg MAM. However, your insurance may still have restrictions on what you can tow. If you are planning on towing with your 4x4 it's worth checking with the insurer beforehand.
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.
protects your van and its cargo if you use your van for haulage or business use.
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