For off-road vehicles, one of the more important considerations that aid in calculating the price you pay for insurance is where you choose to live in Chicago. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The illustration below shows the highest-priced areas in Illinois for 4x4 vehicles in which to buy car insurance. Chicago is listed at #2 with a yearly cost of $1,499 for car insurance, which is about $125 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Cicero | $1,573 |
| 2 | Chicago | $1,499 |
| 3 | Berwyn | $1,449 |
| 4 | Skokie | $1,405 |
| 5 | Des Plaines | $1,286 |
| 6 | Evanston | $1,264 |
| 7 | Oak Lawn | $1,231 |
| 8 | Mount Prospect | $1,181 |
| 9 | Waukegan | $1,176 |
| 10 | Rockford | $1,153 |
| 11 | Palatine | $1,143 |
| 12 | Elgin | $1,139 |
| 13 | Orland Park | $1,138 |
| 14 | Schaumburg | $1,135 |
| 15 | Joliet | $1,134 |
| 16 | Tinley Park | $1,132 |
| 17 | Bolingbrook | $1,128 |
| 18 | Arlington Heights | $1,106 |
| 19 | Aurora | $1,075 |
| 20 | Peoria | $1,050 |
| 21 | Decatur | $1,044 |
| 22 | Springfield | $1,028 |
| 23 | Naperville | $1,022 |
| 24 | Bloomington | $980 |
| 25 | Champaign | $962 |
| Find the Best Rates Go | ||
Annual rates are estimated as specific Chicago zip code can revise insurance rates greatly.
Finding reliable, budget car insurance is tough enough, and finding out which insurers offer the cheapest auto insurance rates for 4x4 vehicles will require even more shopping around. Each auto insurer uses different criteria to set premium rates, so let's take a look at the auto insurance companies with the overall best prices in Chicago, IL.
Find the Best Cheap Insurance for 4x4's
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $746 |
| 2 | Rockford Mutual | $847 |
| 3 | Titan | $886 |
| 4 | Cincinnati Insurance | $888 |
| 5 | Erie | $914 |
| 6 | Utica National | $946 |
| 7 | USAA | $979 |
| 8 | Travelers | $981 |
| 9 | SECURA | $995 |
| 10 | State Farm | $1,002 |
| 11 | Auto-Owners | $1,033 |
| 12 | Amica | $1,076 |
| 13 | Safeco | $1,095 |
| 14 | GEICO | $1,118 |
| 15 | Farmers | $1,181 |
| 16 | Esurance | $1,185 |
| 17 | California Casualty | $1,197 |
| 18 | Progressive | $1,206 |
| 19 | State Auto | $1,223 |
| 20 | MetLife | $1,244 |
| Get a Custom Quote Go | ||
The Hartford generally has some of the lowest car insurance rates in Chicago at around $746 annually. Rockford Mutual, Titan, Cincinnati Insurance, and Erie would also make the list of some of the cheaper Chicago, IL auto insurance companies.
As depicted above, if you currently buy coverage from Erie and switched to Rockford Mutual, you may see a yearly price reduction of approximately $67. Policyholders with Utica National might save as much as $99 a year, and USAA customers might lower prices by $132 a year.
To see how much you can save, click here or visit any of the companies below.
It's important to note that these premiums are averaged for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for 4x4 vehicles. So the insurer that has the cheapest rates for you may not even be in the top 36 companies shown above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
Rate increases following a ticket or accident
One of the best ways to score cheap auto insurance premiums in Chicago for off-road vehicles is to drive safely and avoid accidents and violations. The diagram below shows how traffic citations and accidents influence auto insurance rates for different age categories. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of car insurance in Illinois per year with no accidents or violations is $1,122. Factor in two speeding tickets and the average cost surges to $1,585, an increase of $463 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for 4x4 vehicles jumps again to an average of $2,065. That's an increase of $943, or $79 per month, just for not driving responsibly!
Cost of full coverage
Reducing the cost of auto insurance should be important to most drivers, and one great way to pay less for insurance for 4x4 vehicles is to buy liability only. The illustration below compares auto insurance rates when comparing full coverage to liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
On average, physical damage insurance costs $1,502 per year more than buying just liability insurance. That may make you wonder if buying full coverage is worth the expense. There isn't a written rule of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
There are some circumstances where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
What is the best auto insurance company in Illinois?
Finding the highest-rated car insurance company can be challenging considering how many different companies insure vehicles in Chicago. The ranking information in the next section can help you choose which auto insurance companies to look at when comparing rates. The ratings below include the largest companies in the United States, so companies that have a smaller presence are not factored into these rankings.
Top 10 Large Auto Insurers in Chicago Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Top 10 Large Auto Insurers in Chicago Ranked by A.M. Best Rating
- USAA - A++
- GEICO - A++
- Travelers - A++
- State Farm - A++
- Titan Insurance - A+
- Progressive - A+
- Erie Insurance - A+
- Mercury Insurance - A+
- The Hartford - A+
- Nationwide - A+
If you have questions and prefer to get help from a professional when buying car insurance for 4x4 vehicles, the insurance agencies below are willing to provide answers to your questions and help you determine which coverage meets your needs best. To locate a Chicago insurance agent near you, click the button at the bottom of the list or click here to compare prices now.
- KSA Insurance Agency
7158 W Grand Ave - Chicago, IL 60707 - (773) 804-9000 - Serpe Insurance Agency
2538 N Lincoln Ave - Chicago, IL 60614 - (773) 871-0808 - Thomas Ward Insurance Group
707 W Willow St - Chicago, IL 60614 - (312) 254-1500 - Gus Andrade - State Farm Insurance Agent
4355 W 26th St - Chicago, IL 60623 - (773) 521-0216
More Chicago, IL insurance agents
How to find the cheapest car insurance for 4x4 vehicles
It's not impossible to find cheaper rates, and here are many money-saving solutions that can help Chicago drivers buy more affordable coverage.
- Avoid getting citations and tickets
- Higher deductibles mean lower rates
- Pay less by remaining claim-free
- Drop full coverage on older vehicles
- Avoid accidents
- Compare rate quotes often
The last item on the list is very crucial, as was noted in the prior information. Coverage rates in Chicago can change significantly in a year, so don't be tentative to switch companies if a more affordable price is available. Staying with the same car insurance company is fine, but is isn't recommended if that faithfulness ends up costing you a lot of money. It only take a few minutes to compare rates and find cheaper auto insurance for 4x4 vehicles.