Cheapest Insurance Quotes for 4×4 Vehicles in Illinois

For Illinois drivers, one of the criteria that is used by auto insurance companies to calculate rate quotes is where you call home. Cities with more crime and/or more people like Cicero, Berwyn, and Des Plaines are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The following table lists the highest-priced places in Illinois for 4×4 vehicles in which to purchase auto insurance.

Premium amounts are estimated as the specific zip code location can decrease or increase prices greatly.

Finding good, reasonably-priced insurance is tough enough, and finding out which company quotes the lowest-priced auto insurance rates for 4×4 vehicles will require even more rate comparisons. Each company uses a little different formula for determining rates in each state, so to begin we’ll rank the lowest cost auto insurance companies in Illinois.

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The Hartford quotes some of the best car insurance rates in Illinois at around $776 annually. Rockford Mutual, Erie, Titan, and Cincinnati Insurance are also some of the cheaper Illinois auto insurance companies.

As illustrated above, if you are a policyholder with Erie and switched to The Hartford, you could earn a yearly price reduction of around $102. Illinois drivers with Titan may save as much as $110 a year, and Cincinnati Insurance customers might reduce prices by as much as $148 a year.

Be aware that those estimates are averaged for all ages of drivers and types of vehicles and do not factor in a price decrease for 4×4 vehicles. So the auto insurance company that is best for you may not even be in the above rate chart. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.

Drive safe and save

The easiest way to find good auto insurance premiums in Illinois for off-road vehicles is to be a cautious driver and avoid tickets and accidents. The illustration below highlights how speeding tickets and at-fault accidents increase insurance rates for different categories of driver ages. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

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The data charted above shows the average cost of car insurance in Illinois per year with no accidents and a clean driving record is $1,285. Get written up for one speeding ticket and the average cost increases to $1,474, an increase of $188 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles goes up to an average of $2,004. That’s an increase of $719, or $60 per month, just for not driving responsibly!