Cheap Insurance for a Toyota 4Runner in Illinois

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere in the article to describe car insurance prices. Be that as it may, cheap auto insurance for a Toyota 4Runner does not exist. Don’t let that ruin your day, because we are going to show you some ways you can quote auto insurance that is easier on your budget.

Your chances of buying affordable car insurance for a Toyota 4Runner in Illinois is dependent upon a lot of rating factors like your marital status, whether or not you garage your vehicle, and violations on your driving record. Drivers pay an average rate of $680 per year for 4Runner insurance, but that cost is an estimation based on cost data for a 30-year-old married female with full coverage including both comprehensive and collision and $500 deductibles.

There is a really good chance that you’re not a 30-year-old female, you might be single instead of married, and you might want liability-only or different deductibles. The different assumptions illustrate why the only way to find cheap insurance prices for your Toyota is to make a habit of comparing prices at least once a year. Do a quick rate comparison now and you will be able to compare rates from some of the best companies that insure vehicles in Illinois.

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The trim level of your 4Runner will be a contributing factor to the coverage cost, so the price you will pay to insure a 4Runner Sport 2WD model will be $116 lower than the cost to insure the higher-end 4Runner Limited 4WD version, as shown in the prices below.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in zip code location which can revise insurance rates greatly.

Illinois insurance companies ranked

Picking the top insurer can be challenging considering how many different companies there are to choose from in Illinois. The company ratings in the lists below could help you choose which car insurance companies to look at shopping prices with. The rankings below include large, nationwide insurance companies, so companies with more of a regional focus will not be included in the list.

Top 10 Major Auto Insurers in Illinois Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top Companies for Toyota 4Runner Insurance in Illinois

Discounts on Illinois car insurance rates

Insurance providers that provide cheap insurance for a Toyota 4Runner in Illinois may have discounts that could reduce prices by as much as 40% or more if you meet the requirements. A few popular companies and some of their more popular discounts are shown below.

The information below compares auto insurance rates with and without discounts applied to the premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, marriage, safe-driver, vehicle safety, accident-free, and multiple vehicle discounts applied. When these discounts are applied, the average savings per year on insurance for a Toyota 4Runner is 15% or $303.

Impact of speeding/accidents on Illinois insurance rates

One of the best ways to find affordable insurance prices in Illinois for a 4Runner is to be a safe driver and have a clean driving record. The diagram below highlights how traffic violations and fender-benders raise insurance prices for each age group. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

In the previous chart, the average cost of an auto insurance policy in Illinois per year with a clean driving record and no accidents is $1,213. Get written up for two speeding tickets and the average cost rises to $1,598, an increase of $385 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota 4Runner increases to an average of $1,984. That’s an increase of $771, or $64 per month, just for not keeping your driving record clean!

How to find cheap insurance for a Toyota 4Runner in Illinois

The list below summarizes some of the recommended money-saving suggestions that can help you locate lower-cost car insurance.

• Tickets and violations raise rates
• Raise your physical damage coverage deductibles
• Prevent price hikes by avoiding at-fault accidents
• Higher credit scores can equal lower rates
• Do not waste money insuring older vehicles for full coverage
• Buy a car with high safety ratings
• Compare rates often to find the best deal

The last item on the list is notably important, as we emphasized in this article. Prices charged by auto insurers in Illinois change frequently, so drivers shouldn’t hesitate to switch to a new company if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for a Toyota 4Runner.

Company comparison: Progressive vs Geico vs State Farm vs Allstate

When shopping for insurance for a 4Runner in Illinois, four good companies to start with are Progressive, Geico, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that buyers can select from. The next table ranks pricing and service ratings, plus some optional coverages offered by each one.

Who has the cheapest Toyota 4Runner insurance quotes?

There are a variety of different ways to find lower-cost insurance in Illinois, but the most preferred are from an exclusive insurance agent like Allstate or Liberty Mutual, an independent agent, or direct online or over the phone from a company like Progressive or Geico. They all have the same basic principle, but they are slightly different in how they work.

Independent agents write for multiple companies and can get rate quotes from each one. They do not work for one specific company and can give you more rates, which can help you get a better comparison. If they find a cheaper price, your policy can be moved without you having to go to a different agency.

Exclusive agents are limited to just one company, for example Liberty Mutual and Allstate agents. Exclusive agents normally do not have the ability to shop your coverage around, so you will not be able to compare other companys’ rates.

If you want to buy insurance direct, you do not use a local agent and instead shop buying direct from a company like Esurance or Geico. Buying direct may be a decent choice people who do not need advice for asset protection and have knowledge of what insurance covers and what it doesn’t.

Which method works best to find cheap insurance for a Toyota 4Runner in Illinois? Our initial answer would be buying from a direct company saves the most money since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. It could also be said using an independent agent is the best way to go because you have more choices, but again, that’s not accurate. For some people, the exclusive agents have extremely competitive rates that are the lowest in Illinois.

Due to that fact that insurance uses so many rating variables, really the only way to ensure you are not overpaying for insurance is to compare rate quotes from as many companies as possible. Set aside the time to get price quotes all three ways to give yourself the best selection. For a list of companies offering online discounts in Illinois, click here to view.