How to make a physical material stop a vehicle?

Hi, I was wondering how I could make my vehicle slow down or momentarily stop when it goes over a physical material. What I’m trying to achieve is that when it enters ‘mud’ or ‘sand’, it slows down the vehicle. I feel it would add more realism. If it can’t be done with physical materials, I’d like to know if there’s another way

The change in friction works normally

This is what it looks like when I’m driving through the mud at a normal speed

And I would like it to slow down the vehicle to look like this