Finding the cheapest coverage for a Toyota RAV4 depends on a lot of rating criteria such as whether you own a home, if you have a tendency to file claims, and the level of deductible you choose. Drivers in California pay approximately $1,397 per year for RAV4 insurance, but that is an estimate using a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
The problem with using this number is the good chance you are not 40 years old and maybe not even male, you might be single instead of married, or maybe your RAV4 is old enough that it doesn’t require full coverage. There is no perfect policy for every driver, so the way we recommend to find the cheapest coverage for your Toyota is to do a thorough rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 Sport 2WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 4WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 Limited 2WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 Limited 4WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 Limited 4WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
| RAV4 Sport 4WD | $346 | $632 | $456 | $26 | $136 | $1,596 | $133 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.
Finding out which company offers the cheapest auto insurance rates for a Toyota RAV4 takes a bit more work in order to find a policy that fits your budget.
Each company has a different process to set policy rates, so let’s examine the auto insurance companies with the most affordable rates in Sacramento.
Find the Cheapest Car Insurance for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | CSAA | $1,186 |
| 3 | Wawanesa | $1,192 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | GEICO | $1,529 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,558 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,946 |
| Find Your Rate Go | ||
USAA offers some of the most affordable car insurance rates in Sacramento at around $1,121 annually. CSAA, Wawanesa, Century National, and Nationwide would also make the list of some of the cheapest Sacramento, CA insurance companies.
In this example, if you are currently insured with Century National and switched to CSAA, you might achieve an annual savings of around $40. Policyholders with Nationwide may save as much as $77 a year, and 21st Century policyholders might lower prices by $180 a year.
Remember that these rates are averages across all ages of drivers and types of vehicles and and are not figured with a specific zip code for a Toyota RAV4. So the company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
How to get discounts on Sacramento auto insurance rates
Auto insurance companies that offer cheap quotes for a Toyota RAV4 may also give you discounts that could potentially reduce rates by as much as 25% or more if you meet the requirements. Large auto insurance companies and some of their more popular discounts can be found below.
- GEICO offers discounts including daytime running lights, anti-theft, emergency military deployment, defensive driver, anti-lock brakes, multi-vehicle, and military active duty.
- Travelers policyholders can earn discounts including multi-car, early quote, new car, save driver, and multi-policy.
- Farm Bureau may include discounts for renewal discount, good student, driver training, multi-policy, safe driver, and 55 and retired.
- Liberty Mutual includes discounts for safety features, exclusive group savings, new graduate, hybrid vehicle, multi-car, preferred payment discount, and new move discount.
- American Family discounts include air bags, early bird, accident-free, multi-vehicle, defensive driver, and mySafetyValet.
- Progressive has savings for homeowner, continuous coverage, multi-policy, online signing, online quote discount, good student, and multi-vehicle.
The information below illustrates the difference between car insurance costs with and without discounts. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, defensive driving course, accident-free, multiple policy, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for a Toyota RAV4 is 28% or $685.
How violations and accidents impact rates
In a perfect world, the best way to enjoy the cheapest auto insurance prices in California for a RAV4 is to be a good driver and have a clean driving record. The information below illustrates how traffic citations and fender-benders can influence annual premium costs for different insured age categories. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
The chart shows that the average cost of car insurance in California per year with no accidents or violations is $2,112. Get written up for one speeding ticket and the average cost surges to $2,459, an increase of $346 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota RAV4 increases to an average of $3,437. That’s an increase of $1,324, or $110 per month, just for not driving responsibly!
The information below demonstrates how deductibles can change insurance costs when researching cheap insurance for a Toyota RAV4. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could reduce rates by $436 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $656 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can cut up to $1,432 or even more by using a higher deductible. When increasing deductibles, it will be required to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.