You didn't say what "cheap" means but I would suggest looking for 94 or newer Toyota FZJ80 Land Cruiser. All wheel drive and one of the most durable rigs on, and off, the road. Plenty capable stock and there are tons of aftermarket parts should you want to upgrade.
I could be wrong but does it really make much of a difference for insurance, (4x4 vs. all wheel drive)? My first was a 90 Bronco that I still have and am still modifying to be a better wheeler. My dad picked it up for $50 but they are normally a little more than that Just keep checking craigslist and you are bound to find something.
Toyota is your best bet for cheap 4x4. That being said this is my project. :-)
2003 Chevy silverado 1500 with K&N intake, Dynomax 3" exaust, leveling kit, 17" rims with procomp mud terrains, westin side steps and bull bar, KC highlights up front, and almost everything blacked out. :-)