2013 Toyota RAV4 Insurance Rates
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UPDATED: Nov 29, 2021
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Average insurance rates for a 2013 Toyota RAV4 are $1,166 a year for full coverage. Comprehensive insurance costs around $210 a year, collision insurance costs $338, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,518 or more. Teen drivers receive the highest rates at up to $4,562 a year.
Annual premium for full coverage: $1,166
Rate estimates for 2013 Toyota RAV4 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 $510 for only liability insurance to a high of $2,518 for a driver that may need high-risk insurance.
These differences show why it is important for drivers to compare rates for a specific zip code and risk profile, rather than using price averages.
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 2013 Toyota RAV4 Insurance
Locating low-cost insurance for a new or used Toyota RAV4 can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to compare rates for a new or used Toyota and locate the lowest possible price from both online companies and local agents.
It’s important to shop coverage around every six months because prices fluctuate regularly. Despite the fact that you may have had the best price for RAV4 insurance last year you may be paying too much now. Starting right now, ignore everything you know about insurance because you’re about to learn the best way to lower your annual insurance bill.
Comprehensive Car Insurance Comparison
Effectively comparing car insurance prices can take time and effort if you don’t understand the best way to get rate quotes. You could waste a few hours talking to insurance agencies in your area, or you could use the web for quick rates.
Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a rated price based on that information. This eliminates the need for quote requests to each company.
To get comparison pricing now click to open in new window.
The one downside to using this type of form is you are unable to specify which companies you want pricing from. If you would rather choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in your area.
It’s your choice how you get your quotes, but compare identical coverage limits and deductibles on every quote. If you enter different deductibles it’s not possible to truly determine the lowest rate.
Cut prices on Toyota RAV4 insurance
Companies offering auto insurance don’t always advertise all their discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Federal Government Employee – Employees or retirees of the government may qualify you for a discount for RAV4 insurance depending on your company.
- New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
- Resident Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
- No Claims – Good drivers with no accidents pay less compared to accident-prone drivers.
- Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for better insurance rates for RAV4 insurance.
- Drivers Ed for Students – Have your child enroll in driver’s education in school.
- Defensive Driving Course – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, insurance companies aren’t that generous.
Tailor your coverage to you
When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.
For example, these questions could help you determine whether or not you will benefit from professional help.
- Is my custom paint covered by insurance?
- Is borrowed equipment or tools covered if stolen or damaged?
- Who is covered by my policy?
- Is upholstery damage covered by car insurance?
- Do I need an umbrella policy?
- Where can I find DUI or SR-22 insurance?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Auto insurance 101
Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Uninsured and underinsured coverage
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Toyota RAV4.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as falling objects, a broken windshield, damage from flooding, hitting a deer and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for liability
This coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people, 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. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability insurance covers claims like medical services, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Coverage for collisions
Collision coverage pays for damage to your RAV4 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as backing into a parked car, sideswiping another vehicle, hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, rehabilitation expenses, ambulance fees, hospital visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Rates by U.S. City
|New York City, NY||$1,842|
|Los Angeles, CA||$1,992|
Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$78|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.