Buying competitive car insurance for a Toyota RAV4 hinges on a large number of rating criteria such as how you use your RAV4, whether you are claim-free, and your driving record. Drivers in California pay on average $1,538 a year to insure their RAV4, but that cost is an estimate calculated using a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high likelihood that you may not be 40 years old (or even female), you might be married instead of single, or maybe you want different physical damage deductibles. Have just a small change in rating variables could end up with a large change in policy price.
Having different needs demonstrates why the best method for finding cheap insurance prices for your Toyota is to just take the time to compare rates yourself. Quotes only take a couple of minutes and you can get prices from the cheapest companies that offer coverage in California.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Sport 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Sport 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can alter price quotes considerably.
Deciding which company quotes the most affordable insurance rates for a Toyota RAV4 calls for a little more work in order to find the best price. Each auto insurance company has their own formula to set premium rates, so let’s take a look at the overall cheapest insurance companies in Irvine.
We do need to point out that California insurance rates are based on many factors that control the policy price. Improving your credit score, buying a different home, or having an at-fault accident may generate price changes resulting in some companies being cheaper than competitors.
Best Insurance Companies for Your Toyota
USAA normally has some of the cheapest car insurance rates in Irvine at around $1,121 each year. Wawanesa, CSAA, Century National, and Nationwide are also some of the most economical Irvine, CA insurance companies.
As shown in the rates above, if you buy coverage from CSAA and switched to USAA, you might realize an annual savings of in the neighborhood of $65. Policyholders with Century National could save as much as $69 a year, and Nationwide customers might see rate reductions of $129 a year.
It’s important to note that these prices are averages for all drivers and vehicles and do not take into consideration an exact location for a Toyota RAV4. So the auto insurance company that fits your situation best may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own driver data and vehicle information.
Cost difference between full coverage and liability
Buying cheaper insurance is probably important to the majority of drivers, and one of the quickest ways to lower the cost of insurance for a Toyota RAV4 is to buy liability only. The information below shows the difference between car insurance costs with full coverage compared to only the California minimum liability coverage. Data assumes no claims or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
As an overall average, full coverage on your policy costs an extra $2,743 per year more than buying just liability insurance. A very common question is if you should buy full coverage at all. There is no definitive rule to eliminate physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
Why are you paying too much to insure your RAV4?
Irvine, CA insurance rates are impacted by many things that will increase or decrease your annual premium. Turning one year older, buying a home, or getting into an accident can trigger changes in premium that may make certain companies cheaper than before. Not only may things change on your end, but insurance companies change premium rates every year or even multiple times each year to adjust for heavy claims or excess profits. An extended period of higher than normal claims may cause a rate increase, while profitable underwriting can cause lower-cost RAV4 insurance rates.
As an example, the chart below shows the company with the cheapest car insurance in Irvine, CA for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we look at prices based on his personal profile, USAA might quote the lowest car insurance rates in Irvine at $1,155 a year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the best Irvine, CA auto insurance companies.
In this example, we will give the driver in the first example a claim or two, a lower credit score, and a few blemishes on his driving record. Since each auto insurer has a proprietary formula for filing rates in each state, analyzing rates could now result in a different list of the cheapest car insurance companies in Irvine as shown below.
Grange now has the lowest car insurance rate in Irvine, CA with Progressive, Allstate, Mercury, and GEICO now being in the top five. This shows why Irvine drivers need to perform a complete rate comparison when trying to get the best insurance quotes for a Toyota RAV4.
Rates are determined by many different factors and can decrease or increase without notice, so the cheapest rate two years ago may now be one of the more expensive options.
How to find cheaper auto insurance for a Toyota RAV4
It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help you buy cheap car insurance.
- Improve your credit score
- Tickets and violations raise rates
- Buying home and auto insurance together can earn discounts
- Earn discounts for being claim-free
- Prevent rate increases by staying accident-free
- Increase your comprehensive and collision deductibles
- Compare rate quotes often
The last suggestion is highly important, as was pointed out in this article. Rates in Irvine can change considerably in a year, so don’t be tentative to switch companies if a lower-cost policy is available. Brand loyalty is great, but we do not recommend it if that dedication is costing thousands of dollars over the life of your policy. If you have a few minutes, shop around to find cheaper auto insurance for a Toyota RAV4.
The agents below are a good start to answer your questions and help you decide which policy fits your needs best, as some people have coverage questions and would like to have some advice when comparing insurance rates for a RAV4. It can be hard to find coverage yourself, and using a licensed agent can add comfort knowing you have decent coverage if you have a claim.
To find an agent in your neighborhood, click the link at the bottom.
John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442
Hodge and Hodge Insurance Inc
10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442
State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866