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2010 Toyota RAV4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 29, 2021

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Average insurance rates for a 2010 Toyota RAV4 are $1,088 a year including full coverage. Comprehensive insurance costs approximately $184, collision insurance costs $272, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,348 or more. Teenage drivers receive the highest rates at up to $4,326 a year.

Annual premium for full coverage: $1,088

Rate estimates for 2010 Toyota RAV4 Insurance

Comprehensive $184
Collision $272
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Toyota RAV4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $522 for just liability insurance to a much higher rate of $2,348 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,088
High Risk $2,348

View Chart as Image

2010 Toyota RAV4 insurance rates compared
Column chart showing 2010 Toyota RAV4 insurance prices range from $651 to $4,326 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Toyota RAV4 Insurance

Searching Companies

Purchasing the lowest cost car insurance on the web is intimidating for consumers not familiar with price shopping online. Because there are so many choices, how can anyone possibly compare every one to find the best price?

If you currently have a car insurance policy, you should be able to save some money using this information. Shopping for affordable car insurance coverage is simple if you know the tricks. But car owners should learn the way insurance companies market insurance on the web because it can help you find the best coverage.

The quickest method to get policy rate comparisons is to know the fact most of the larger companies participate in online systems to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data such as your credit rating estimate, whether you are married, whether you drive to work or school, and if the car is leased. The data gets sent immediately to multiple top-rated companies and they return cost estimate with very little delay.

Can switching companies really save?

Insurance coverage companies such as Progressive, Allstate and GEICO continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching your policy. How does each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who do not match the “perfect” profile will have to pay a higher premium and this can result in the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must get as many comparisons as possible. It’s not possible to predict which company will give you the biggest savings on Toyota RAV4 insurance.

Factors influencing Toyota RAV4 insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with big savings.

  • Occupation reflects on rates – Careers like doctors, executives and accountants tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, occupations such as farmers, athletes and the unemployed have the lowest average rates for RAV4 insurance.
  • Do you qualify for a multi-policy discount? – Most companies provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Discounts for married couples – Being married can get you a discount on your car insurance policy. Having a significant other means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • More claims means more premium – Car insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • With age comes lower rates – Youthful drivers tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.

Get lower rates on 2010 Toyota RAV4 insurance

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some must be specifically requested before you get the savings.

  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
  • Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Organization Discounts – Participating in a professional or civic organization may earn a discount when shopping for car insurance for RAV4 insurance.
  • Low Mileage – Fewer annual miles on your Toyota can qualify you for discounted rates on garaged vehicles.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce your premiums.

To see a list of providers with the best car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I sign the liability waiver when renting a car?
  • Is a blown tire covered by insurance?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Coverages available on your policy

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, fire damage, a broken windshield, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Toyota RAV4.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses like surgery, chiropractic care, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage will pay to fix damage to your RAV4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, crashing into a building, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability

Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, medical expenses, emergency aid and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

The bottom line

Drivers change insurance companies for any number of reasons including policy non-renewal, delays in paying claims, unfair underwriting practices or even an unsatisfactory settlement offer. Regardless of your reason, finding a new company can be less work than you think.

We just covered many ideas to save on 2010 Toyota RAV4 insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

More information is located at these links:

Rates by U.S. City

2010 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,719
Los Angeles, CA $1,860
Philadelphia, PA $1,453
Jacksonville, FL $1,580
Phoenix, AZ $1,266
Chicago, IL $1,458
Houston, TX $1,706
Seattle, WA $1,061
Columbus, OH $910
Indianapolis, IN $924

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,326
20 $2,496
30 $1,114
40 $1,088
50 $996
60 $976

Full coverage, $500 deductibles

Rates by Deductible

2010 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,088
$1,000 $984

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,088
50/100 $1,183
100/300 $1,301
250/500 $1,609
100 CSL $1,230
300 CSL $1,491
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,114
20 $3,980
30 $2,372
40 $2,348
50 $2,244
60 $2,222

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $148

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $74
Total Discounts $437
Rate after discounts $651

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $984
Alaska $834
Arizona $904
Arkansas $1,088
California $1,240
Colorado $1,040
Connecticut $1,120
Delaware $1,232
Florida $1,362
Georgia $1,002
Hawaii $782
Idaho $736
Illinois $810
Indiana $818
Iowa $734
Kansas $1,036
Kentucky $1,484
Louisiana $1,610
Maine $672
Maryland $896
Massachusetts $872
Michigan $1,890
Minnesota $910
Mississippi $1,304
Missouri $966
Montana $1,168
Nebraska $858
Nevada $1,306
New Hampshire $784
New Jersey $1,216
New Mexico $964
New York $1,146
North Carolina $626
North Dakota $892
Ohio $752
Oklahoma $1,118
Oregon $996
Pennsylvania $1,038
Rhode Island $1,450
South Carolina $986
South Dakota $920
Tennessee $954
Texas $1,312
Utah $804
Vermont $746
Virginia $650
Washington $842
West Virginia $998
Wisconsin $754
Wyoming $970

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