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Best Cheap Insurance Quotes for a Toyota RAV4 in Mississippi

Enter your Mississippi zip code below to view companies that have cheap auto insurance rates.

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 5, 2019

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Our editors keep telling us that when writing about auto insurance, the words cheap or affordable should never be used as a descriptor for car insurance rates. It’s just a fact that cheap car insurance for a Toyota RAV4 is just plain contradictory. Don’t let that get you down, though, because we are going to show you some ways you can still get car insurance that may not be cheap, but it is affordable.

Toyota RAV4 insurance

Your chances of buying the cheapest car insurance for a Toyota RAV4 in Mississippi depends upon a fairly complex equation with a lot of factors such as the safety rating of your vehicle, your claims history, and deductibles for comprehensive and collision coverage. Drivers in Mississippi on average pay around $1,000 per year to insure their RAV4, but that amount is an approximation that uses rate data for a 40-year-old single female that includes full coverage and $500 physical damage deductibles.

Most likely you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you rent instead of own your home. There is no perfect policy for every driver, so your best chance at finding the cheapest coverage for your Toyota is to compare as many rates as possible. In just a couple of minutes you will be able to compare rates from the best auto insurance companies in Mississippi.

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

Toyota RAV4 Insurance Rates in Mississippi
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 Sport 2WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 4WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 Limited 2WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 Limited 4WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 Limited 4WD $194 $382 $418 $24 $126 $1,144 $95
RAV4 Sport 4WD $194 $382 $418 $24 $126 $1,144 $95
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes greatly.

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Shopping around for reasonably-priced insurance is difficult, and determining which company has the most affordable insurance rates for a Toyota RAV4 involves even more shopping around.

Every insurance provider uses their own calculation to establish rates, so first we will examine the insurance companies with the most affordable rates in Mississippi. We do need to point out that Mississippi insurance rates are influenced by many factors which can substantially change the price you pay. Taking a driver safety course, marrying your spouse, or getting a speeding ticket may prompt premium changes that can cause some rates to be cheaper in comparison to the competition.

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

Rankings for the cheapest Mississippi auto insurance companies
Rank Company Cost Per Year
1 USAA $807
2 Travelers $1,030
3 Unitrin $1,179
4 Direct General $1,291
5 ALFA $1,391
6 Shelter $1,443
7 Southern Farm Bureau $1,450
8 Safeway $1,458
9 State Farm $1,465
10 Nationwide $1,555
11 Progressive $1,596
12 GEICO $1,755
13 Safe Auto $2,473
14 Allstate $2,670
15 Liberty Mutual $2,999
16 Safeco $3,904
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USAA quotes some of the best car insurance rates in Mississippi at around $807 each year. Travelers, Unitrin, Direct General, and ALFA are also some of the cheaper Mississippi insurance companies.

As the example above demonstrates, if you are insured with Unitrin and switched to USAA, you might see savings of around $372. Mississippi drivers with Direct General could save as much as $484 a year, and ALFA customers might reduce prices by as much as $584 a year.

It’s important to note that these policy prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Toyota RAV4. So the insurer that fits you best may not even be included in the chart above. That illustrates why you need to get auto insurance quotes using your own specific driver and vehicle information.

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

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to get affordable insurance prices in Mississippi for a RAV4 is to be a good driver and not get tickets or have accidents. The example below highlights how speeding tickets and accident claims can impact car insurance rates for each different age category. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of auto insurance per year with a clean driving record and no accidents is $2,007. Receive one speeding ticket and the average cost surges to $2,263, an increase of $256 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $4,455. That’s an increase of $2,448, or $204 per month, just for a couple of infractions!

Liability rates compared to full coverage

Finding the best cheap insurance for a Toyota RAV4 in Mississippi is probably important to the majority of people, and one of the easiest ways to save on the cost of insurance is to only buy liability coverage. The information below illustrates the difference between yearly insurance costs when comparing full coverage to liability only. Data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

If averaged for all ages, physical damage coverage costs an extra $1,602 per year more than insuring for liability only. That is a large expense and it proposes the question if it’s a good idea to buy full coverage. There is no definitive guideline to delete physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the deductible is paid. If premiums are more than $300 annually for full coverage, then you may need to consider dropping full coverage.

Company comparison: Progressive vs State Farm vs Geico vs Allstate

If you’re looking for the best insurance for a RAV4 in Mississippi, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. They all have unique features and discounts that may influence your buying decision. The next table illustrates pricing and service ratings, plus some optional coverages that you can purchase from each one.

Comparison of Top U.S. Car Insurance Companies
Progressive State Farm Geico Allstate
Claims Handling 4th 2nd 3rd 1st
Number of Discounts 4th 3rd 2nd 1st
Price Ranking 3rd 2nd 1st 4th
Client Satisfaction 3rd 4th 1st 2nd
Customer recommendation 88% 88% 87% 86%
Rating from A.M. Best A+ A++ A++ A+
Usage-based rating Yes Yes No Yes
Accident forgiveness coverage Yes No Yes Yes
New car replacement insurance No No No Yes
Emergency roadside service Yes Yes Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
Breakdown insurance Yes No Yes No
Available in Mississippi Yes Yes Yes Yes
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Best cheap Toyota RAV4 insurance quotes

Thanks to technology, there are a lot of ways to get cheap insurance quotes in Mississippi, but the three most common ways are using an independent insurance agent, an exclusive insurance agent like Allstate or Auto-Owners, or direct online or over the phone from a company like Geico or Progressive. They all follow the same basic process, but buyers need to know the differences in how they work.

Independent agents work for many companies and can compare coverage rates with all of them. They do not work for one specific company and can give you more rate choices, which may provide you with a better chance of saving money. If cheaper coverage is found, they can switch companies in-house and you don’t have to do anything.

A captive, or exclusive, agent is able to place business with just one company, two examples being Allstate or Farmers Insurance agents. Exclusive agents are unable to shop your coverage around, so they have no alternatives for high prices.

Insurance from a direct company means you do not use either of the other two types of agents and instead buy from a direct company like Esurance. Buying insurance direct may be the best choice consumers who do not need complex risk management and have knowledge of how insurance works and possible exclusions.

Which method is best to find the best cheap insurance for a Toyota RAV4 in Mississippi? The obvious answer would be buying direct results in the cheapest rates because you bypass the agent, but in reality, that argument does not hold true. We could also say that buying insurance from an independent agent is the best way to save because they can shop around, but that assumption is also not necessarily accurate. And sometimes, exclusive agents may have prices that independents and direct companies can’t touch.

Because there are so many factors that make up insurance rates, the best way to buy the cheapest coverage is to get rate quotes and compare. Industry experts recommend getting price quotes from all three to have the best selection of rates to choose from.

Free Auto Insurance Comparison

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

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