4×4 Truck Insurance: What is the cost of car insurance for a 4×4 truck?

The average 4x4 truck insurance rates are $144 per month, but your driving record and where you live will impact what you pay for 4x4 truck insurance coverage.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you should know...

  • Average 4×4 truck insurance rates on the popular Ford F-150 range from $115-$135/month
  • The cost of 4×4 truck car insurance can be more expensive due to the added work of repairing the four-wheel-drive systems
  • The make, model and year of your truck will impact your rates

You’re thinking about buying a new 4×4, but you’re concerned about how high your insurance rates might go. It’s a legitimate concern when you consider that insurance for such a vehicle would probably be significantly higher than what you’d pay for a mid-sized family sedan. So what is the best and cheapest car insurance for your truck?

We understand trying to find affordable coverage policies for expensive trucks can be somewhat exhausting, and possibly overwhelming.

This is why we’ve put together this guide. We’ll cover all the details you may need to know, and hopefully this will lead you to a more affordable cost of coverage. After all, if you’re going to traverse the Appalachian, a 4×4 is your best bet. We’ll tell you everything you need to know about 4×4 truck insurance.

Wondering about the average truck insurance cost per month to you? If you need to compare rates from insurance companies, we offer a free online comparison tool that can help you.

Car Insurance Rates for 4×4 Trucks

The average rates for 4×4 pickup trucks are $144.25/month. There are a lot of factors involved, and each truck will be very different. It’s somewhat easier to determine the average cost of car insurance for a given make and model, as those numbers are out there and readily available.

What exactly is a 4×4? The terms 4×4, 4-wheel drive (4WD), and all-wheel drive (AWD) include dozens of different makes and models. According to fueleconomy.gov they also have different gas mileages.

Vehicles that have been modified by their owners to add certain off-road accessories may also fall into this category. The only way to get an accurate price is on a case-by-case basis.

The Ford F-150 is one of the most popular makes and models of 4x4s. If you’re wondering how much car insurance would cost for a Ford F-150, there are a few different annual averages to compare.

Average Car Insurance Rates for a Ford F-150
Ford F-150 Trim LevelAverage Annual RatesAverage 6-Month RatesAverage Monthly Rates
F-150 XL Regular Cab 2WD$1,254$627$105
F-150 STX Regular Cab 2WD$1,340$670$112
F-150 XL Super Cab 2WD$1,340$670$112
F-150 XLT Regular Cab 2WD$1,340$670$112
F-150 STX Super Cab 2WD$1,340$670$112
F-150 XL Crew Cab 2WD$1,374$687$115
F-150 XLT Super Cab 2WD$1,374$687$115
F-150 STX Regular Cab 4WD$1,374$687$115
F-150 XL Regular Cab 4WD$1,374$687$115
F-150 FX2 Super Cab 2WD$1,374$687$115
F-150 XLT Crew Cab 2WD$1,374$687$115
F-150 XL Super Cab 4WD$1,374$687$115
F-150 XLT Regular Cab 4WD$1,374$687$115
F-150 XL Crew Cab 4WD$1,408$704$117
F-150 STX Super Cab 4WD$1,408$704$117
F-150 XLT Super Cab 4WD$1,408$704$117
F-150 FX2 2WD$1,496$748$125
F-150 Lariat Super Cab 2WD$1,496$748$125
F-150 Lariat Crew Cab 2WD$1,496$748$125
F-150 FX4 Super Cab 4WD$1,496$748$125
F-150 XLT Crew Cab 4WD$1,496$748$125
F-150 FX4 4WD$1,496$748$125
F-150 Lariat Crew Cab 4WD$1,496$748$125
F-150 SVT Raptor Super Cab 4WD$1,496$748$125
F-150 Lariat Super Cab 4WD$1,496$748$125
F-150 Lariat Crew Cab Platinum 2WD$1,582$791$132
F-150 Lariat Crew Cab Harley 2WD$1,582$791$132
F-150 Lariat King Ranch 2WD$1,582$791$132
F-150 Lariat King Ranch 4WD$1,616$808$135
F-150 Lariat Crew Cab Harley 4WD$1,616$808$135
F-150 Lariat Crew Cab Platinum 4WD$1,616$808$135
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Notice all of the different trim variations for this make and model alone, and it should be readily apparent why getting precise figures on 4×4 truck averages can be so difficult. The trim on the F-150 ranges from the low end of $105 per month to the high end of $135 per month.

It is also noteworthy that this table shows rates for a 40-year-old male with a clean driving record. Speeding tickets and other violations would naturally elevate rate averages.

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4×4 Truck Liability Car Insurance Rates

While we can’t say how much liability coverage is for 4×4 trucks specifically, we can see the average rates by state on this table.

Average Annual U.S. Liability Car Insurance Rates
StatesAverage Annual Liability
Insurance Rates
North Dakota$282.55
South Dakota$289.04
North Carolina$357.59
New Hampshire$393.24
New Mexico$462.21
West Virginia$501.44
South Carolina$497.50
District of Columbia$628.09
Rhode Island$720.06
New York$784.98
New Jersey$865.55
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Next up, we’re going to look at comprehensive and collision truck insurance rates by state. Both collision coverage and comprehensive coverage are separate from liability, so they would come with their own price tags and requirements.

4×4 Truck Comprehensive and Collision Car Insurance Rates

Often, owners of heavy-duty trucks will pay for additional coverage, even more than what is usually required from the state that they live in, because of the risk involved with owner a larger vehicle.

Comprehensive and collision car insurance rates for 4×4 trucks vary as much as liability, based on the location.

Average Annual U.S. Collision Car Insurance Rates
StatesAverage Annual Collision
Insurance Rates
South Dakota$200.10
North Dakota$227.44
South Carolina$247.62
North Carolina$264.58
New Mexico$267.48
New Hampshire$281.70
West Virginia$319.10
New York$358.45
New Jersey$365.23
Rhode Island$377.06
District of Columbia$449.27
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Now, let’s take a look at state averages for comprehensive coverage.

Average Annual U.S. Comprehensive Car Insurance Rates
StatesAverage Annual Comprehensive
Insurance Rates
New Hampshire$103.03
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
New York$156.66
South Carolina$165.38
New Mexico$166.89
West Virginia$195.04
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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How the Value of 4×4 Trucks Affect Car Insurance Rates

Remember, when it comes to insurance for trucks, there are a lot of factors involved. Some of the factors include how often the truck is used for transportation and your previous driving records.

This is something to keep in mind if you are in the market for a 4×4 truck, as they require more durable and expensive parts. For instance, the MSRP of a 2020 Ford F-150 is $34,735 for a regular cab version. In short, a 4×4 is more expensive.

An affordable truck is unfortunately going to be a smaller one. With a luxury truck, your insurance provider is going to have to potentially pay out more against any claims that are filed.

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How 4×4 Thefts Affect Car Insurance Rates

Theft is a factor that increases comprehensive coverage rates. Unfortunately, 4x4s are quite prone to theft. The National Insurance Crime Bureau’s annual report in 2018 found that full-size Ford pickups ranked third on the top ten stolen vehicles in the United States.

Should you be interested in what is considered a popular vehicle, you’ll want to know that your truck is going to be safe at night in your garage or driveway.

Car Insurance Claims and Losses on 4×4 Trucks

Let’s explore how certain 4×4 trucks fare against comparable makes and models in terms of insurance claims.

4×4 Truck Bodily Injury and Property Damage Loss Statistics

What are the loss statistics for bodily injury and property damage liability car insurance claims for 4×4 trucks?

The following table details loss statistics for the Chevy Silverado 1500 in its various forms in comparison to other trucks in its class. This table includes loss statistics for property damage and bodily injury. If there is a negative percentage, the vehicle suffered fewer losses than its counterparts in the same class. In short, a negative percentage is good.

Chevrolet Silverado Property Damage and Bodily Injury Car Insurance Loss Percentages
Chevrolet Silverado ModelProperty Damage
Loss Percentages
Bodily Injury
Loss Percentages
Chevrolet Silverado 1500
Chevrolet Silverado 1500 4WD
Chevrolet Silverado 1500 crew cab
Chevrolet Silverado 1500 crew cab 4WD
Chevrolet Silverado 1500 ext. cab
Chevrolet Silverado 1500 ext. cab 4WD
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As you can see, bodily injury loss statistics for the Chevy Silverado 1500 4WD are not available. With that being said, bodily injury losses were fairly low for the Chevy Silverado 1500 crew cab 4WD and the ext. cab 4WD. For property damage, the Chevy Silverado 1500 crew cab 4WD and ext. cab 4WD were both slightly higher than other vehicles in its class.

4×4 Truck Bodily Comprehensive and Collision Loss Statistics

What are the loss statistics for comprehensive and collision car insurance claims for 4x4s trucks? Let’s take a look at another table, this time for collision and comprehensive loss ratios.

Ford F-150 Collision and Comprehensive Car Insurance Loss Percentages
Ford F-150 ModelCollision Loss PercentagesComprehensive Loss Percentages
Ford F-150-36%-41%
Ford F-150 4WD-45%-35%
Ford F-150 SuperCab-22%-18%
Ford F-150 SuperCab 4WD-36%-21%
Ford F-150 Supercrew-27%-6%
Ford F-150 SuperCrew 4WD-28%2%
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According to these stats, the Ford F-150 fared very well in comparison to similar trucks. For collision, its loss ratio was lower by 45 percent, while its comprehensive loss ratio was lower by 35%.

What are the loss statistics for PIP and MedPay for 4×4 trucks?

This next table shows the loss ratios for personal injury protection (PIP) and MedPay.

Ford F-150 PIP and MedPay Car Insurance Loss Percentages
Ford F-150 ModelPersonal Injury Loss PercentagesMedPay Loss Percentages
Ford F-150-31%-35%
Ford F-150 4WD-58%-44%
Ford F-150 SuperCab -26%-30%
Ford F-150 SuperCab 4WD-45%-46%
Ford F-150 SuperCrew-25%-22%
Ford F-150 SuperCrew 4WD -45%-46%
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Astonishingly enough, every model of the F-150 was lower in insurance losses than comparable vehicles in terms of MedPay and PIP.

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Safety Ratings for 4×4 Trucks

A vehicle’s safety ratings are an important factor in rate determination, as insurers want their clients to drive safely.

What is the size and class of a 4×4 truck?

Not all 4×4 trucks are built the exact same. The Ford F-150, one of the more popular 4x4s, is a half-ton light-duty pickup.

How does the safety of a 4×4 truck compare to other vehicles?

The safety rating of a particular vehicle is one aspect that determines your car insurance rates. You can find out what the Insurance Institute for Highway Safety’s ratings are for any given vehicle.

Vehicles that have higher safety ratings will, as a result, lower car insurance rates. The opposite is also true.

When it comes to 4×4 vehicles, safety ratings are especially important where side-impact and rollovers are concerned. By their very nature, 4×4 trucks are intended to be used in off-road scenarios, which increase the risk of certain types of accidents. Since side-impact collisions and rollovers are the most common in off-road driving, these are the two most important safety factors to consider.

A good number of 4×4 owners purchase their vehicles with no intention of ever taking them off-road. In such cases, drivers may purchase their vehicles because they live in a state with typically rough winters, and the 4×4 helps them navigate winter snows more easily.

That’s why 4×4 owners are typically asked by their insurance companies if they intend to take their vehicles off-road. Those who do have a higher potential for accidents and claims than those who don’t. With that, off-road car insurance is more expensive.

Although it would seem logical for 4×4 owners to simply tell their insurance companies that they never intend to go off-road in order to enjoy lower rates, it is unwise to do so. Car insurance companies will often add a clause to an insurance policy stating that they will not cover damage from off-road accidents if a customer has stated their intentions to always keep their vehicle on public highways. If you tell your car insurance company that you don’t plan to go off-road, they will hold you to it.

If you do decide to go off-road, the insurance company will undoubtedly want to know what type of driving that entails.

The riskier your off-road behavior is, the higher your car insurance rates will be. In some cases, if it’s risky enough, you may even have to search for a specialty car insurance company in order to get the coverage you need. Whatever you do, be honest about your intentions to ensure that you receive the best coverage.

Often, 4×4 owners who intend to take their vehicles off-road will modify them by adding high-performance car parts. If this is something you plan to do, it is important that you understand the difference between replacement value and agreed value car insurance.

Replacement value is what most drivers have. It simply means that if your vehicle is totaled, the insurance company will pay out an amount equal to what it would cost you to replace the vehicle with one of similar make and model year. Replacement value is determined by the Kelley Blue Book or NADA value.

Agreed value car insurance will cover what it would cost to replace your vehicle as is, including the high-performance parts you have added. You and your insurance company will have to inspect the vehicle and agree on its new value with the additions you have made, hence the term “agreed value.”

If you plan on purchasing this type of insurance, it is important to keep all receipts for high-performance parts. That is the only way to prove their worth.

Don’t forget about our comparison tool, which will help you to compare quotes from various companies.

Frequently Asked Questions: Cost of Car Insurance for a 4×4 Truck

How much is a 4×4?

You can get a cheap 4×4 truck for about $20,000.

Is a 4×4 truck worth it?

If you plan on driving off-pavement frequently, yes.

How much does it cost to make a truck 4×4?

It depends on the make and model, but the baseline cost would be about $3,500. If it is done properly, it will most likely be over $10,000.

What is a 4×4 truck?

It is a system where a car’s engine powers its four wheels evenly.

How much does a 4×4 cost?

While it may cost a pretty penny, you can get a 4 by 4 truck for about $20,000 to $25,000.

What’s the difference between a 4×4 auto vs 4×4 high?

A 4×4 auto truck gives 75 percent of the power to the back wheels. All four wheels get identical power in a 4×4 high.

What is the best 4×4 insurance?

GEICO and USAA are seen as reputable and reasonable options.

How much is adding 4×4 to a truck?

It is dependent on the age of the truck itself.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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