Finding cheap insurance for a Toyota RAV4 in Illinois is fairly simple, but it depends on a complicated rating formula that uses factors such as how long your commute is, if you have recent claims, and citations or violations on your driving record. Drivers will pay around $753 each year for RAV4 insurance, but that amount is an estimation based upon a 50-year-old married male driver with full coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren't exactly 50 years old or even a male, you might be single instead of married, or maybe you want more liability coverage than is required by law in Illinois. Even a minor difference in rating variables or coverage information could result in a significant change in the price of coverage.
Insurance is an individual thing, so the only real way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible. Get a free quote now and you will get price quotes from some of the best insurers that insure Toyota vehicles in Illinois.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 Sport 2WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 4WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 Limited 2WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 Limited 4WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 Limited 4WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
| RAV4 Sport 4WD | $176 | $344 | $250 | $14 | $76 | $860 | $72 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in specific zip code location which can increase or decrease price quotes substantially.
Finding decent, low-priced car insurance is hard enough, and figuring out which companies quote the most affordable insurance rates for a Toyota RAV4 requires a bit more work.
Every insurance provider has a unique approach for establishing rates, so we'll take a look at the insurance companies with the overall cheapest rates in Illinois.
Compare Cheap Insurance Quotes for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $769 |
| 2 | Rockford Mutual | $847 |
| 3 | Titan | $878 |
| 4 | Cincinnati Insurance | $897 |
| 5 | Erie | $905 |
| 6 | SECURA | $975 |
| 7 | USAA | $979 |
| 8 | Utica National | $984 |
| 9 | Travelers | $990 |
| 10 | State Farm | $1,002 |
| 11 | Auto-Owners | $1,053 |
| 12 | Amica | $1,076 |
| 13 | Safeco | $1,085 |
| 14 | GEICO | $1,085 |
| 15 | Farmers | $1,146 |
| 16 | California Casualty | $1,173 |
| 17 | Esurance | $1,185 |
| 18 | Progressive | $1,243 |
| 19 | MetLife | $1,257 |
| 20 | State Auto | $1,260 |
| View More Rates Go | ||
The Hartford has some of the most affordable car insurance rates in Chicago at around $769 annually. This is $580 less than the average rate paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Cincinnati Insurance, and Erie would also make the list of some of the more affordable Chicago, IL auto insurance companies.
In the above rates, if you are a customer of Cincinnati Insurance and switched to Rockford Mutual, you might see a yearly savings of roughly $50. Drivers with Erie could save as much as $58 a year, and SECURA customers might reduce prices by as much as $128 a year.
To find the cheapest coverage for you, click here to get a free quote or quote rates from the companies below.
Bear in mind that those estimates are averages across all drivers and vehicles in Illinois and are not factoring in a specific location for a Toyota RAV4. So the insurer that can offer you the best rate may not even be in the top 36 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.
The chart below shows how choosing a deductible can influence insurance premiums when getting quotes for cheap insurance for a Toyota RAV4. The data is based on a single female driver, comp and collision included, and no discounts are applied to the premium.
A 50-year-old driver could lower their car insurance rates by $248 a year by switching from a $100 deductible up to a $500 deductible, or save $374 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could drop their prices $632 annually just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it's a good idea to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Irresponsible driving raises your rates
The ideal way to enjoy the most affordable insurance prices in Chicago for a RAV4 is to be a cautious driver and avoid accidents and traffic violations. The information below highlights how speeding tickets and accident claims can increase car insurance costs for different age groups of insureds. Data assumes a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of auto insurance in Chicago per year with a clean driving record and no accidents is $1,243. Factor in one speeding ticket and the average cost rises to $1,411, an increase of $168 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $1,872. That's an increase of $629, or $52 per month, just for being a less-than-perfect driver!
The insurance agencies below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you, since lots of people like to get help from a professional when buying car insurance for a Toyota RAV4. It's not always easy to find coverage yourself, so a licensed agent can add peace of mind knowing your policy gives you decent coverage if you have a claim.
To find a Chicago insurance agency close to you, click the button at the bottom or click here to get price quotes now.
Dave Rundle - State Farm Insurance Agent
4316 W 63rd St - Chicago, IL 60629 - (773) 735-0135
Judith Gleason - State Farm Insurance Agent
2643 N Harlem Ave - Chicago, IL 60707 - (773) 637-8547
Jim Tom - State Farm Insurance Agent
4317 N Lincoln Ave - Chicago, IL 60618 - (773) 477-3300
More insurance agents in Chicago, IL
How to find the cheapest insurance for a Toyota RAV4
Lowering your rates is not difficult, and here are many money-saving suggestions that can help you quote cheap auto insurance.
- Save money by observing traffic laws and speed limits
- Buying car and homeowners insurance together can save money
- Full coverage is expensive so only insure older vehicles for liability only
- Avoid filing small claims
- Safe vehicles cost less to insure
- At-fault accidents can raise rates significantly
- Shop around for cheaper prices often
The final tip is extremely important, as we discussed in the prior article. Insurance rates in Chicago can change significantly in a year, so drivers shouldn't be reluctant to switch companies if you find a better deal.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if that faithfulness ends up costing you major coinage every year. Take a couple minutes and compare rates to find cheaper insurance for a Toyota RAV4.