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How Much is Insurance for a Toyota RAV4 in Washington?

Enter your Washington 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 16, 2019

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Since we’re writing about auto insurance, the word affordable shouldn’t be used anywhere in the article to describe car insurance rates. Be that as it may, cheap auto insurance for a Toyota RAV4 is not always easy to find. But don’t let us ruin your dream, because we will show you how you can still get coverage that you can fit into your budget.

Your chances of buying affordable car insurance for a Toyota RAV4 in Washington hinges on a complex formula that considers things such as your marital status, the likelihood of vehicle theft, and any prior driving citations you have received. Drivers will pay on average $850 a year to insure their RAV4, but that figure is an estimation based on rates for a 50-year-old married male that wants full physical damage coverage and $100 deductibles.

Odds are that you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you just want different deductibles. What seems to be a minor change in the factors used in pricing a policy can lead to a significant difference in the policy cost.

Every driver’s needs are different, and that is why the most reliable method for finding cheap insurance rates for your Toyota is to shop around at every renewal for lower rates.

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

Toyota RAV4 Insurance Rates in Washington
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $198 $390 $282 $16 $84 $970 $81
RAV4 Sport 2WD $198 $390 $282 $16 $84 $970 $81
RAV4 4WD $198 $390 $282 $16 $84 $970 $81
RAV4 Limited 2WD $198 $390 $282 $16 $84 $970 $81
RAV4 Limited 4WD $198 $390 $282 $16 $84 $970 $81
RAV4 Limited 4WD $198 $390 $282 $16 $84 $970 $81
RAV4 Sport 4WD $198 $390 $282 $16 $84 $970 $81
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in garaging location in Washington which can change coverage prices considerably.

Determining which company offers the cheapest auto insurance rates for a Toyota RAV4 requires more work than just quoting one company’s rates. Each auto insurer uses a different method to determine premium rates, so we’ll go over the lowest cost auto insurance companies in Washington.

Keep in mind that Washington auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Turning one year older, buying a home instead of renting, or having an accident may cause policy rate changes resulting in some companies being cheaper than competitors.

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

What’s the cheapest car insurance in Washington?
Rank Company Cost Per Year
1 Capital $777
2 Grange $847
3 PEMCO $964
4 Nationwide $990
5 Travelers $1,008
6 Mutual Enumclaw $1,023
7 USAA $1,050
8 The Hartford $1,090
9 California Casualty $1,105
10 Chubb $1,127
11 Allied $1,131
12 State Farm $1,165
13 American Family $1,196
14 Amica $1,206
15 Safeco $1,216
16 Liberty Mutual $1,270
17 Farmers $1,315
18 Progressive $1,465
19 National General $1,525
20 MetLife $1,681
Find Your Rate Go

Capital generally has some of the best car insurance rates in Washington at around $777 per year. Grange, PEMCO, Nationwide, and Travelers also are some of the cheapest Washington car insurance companies.

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As the rates illustrate above, if you currently buy coverage from Nationwide and switched to Grange, you might see savings of around $143. Insureds with Travelers may save as much as $161 a year, and Mutual Enumclaw insureds might lower prices by $176 a year.

Remember that these policy rates are averages across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Toyota RAV4. So the company that is best suited for you may not even be included in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own individual information.

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

The information below shows how different deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance for a Toyota RAV4. The data is based on a single male driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could lower rates by $292 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $438 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates as much as $956 annually by choosing larger deductibles on their policy.

When raising deductibles, it’s a good idea to have additional funds in a savings account to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Don’t stick with an overpriced policy

Washington auto insurance rates are impacted by many things that control the price you pay. Simply getting older, having a teen driver, or getting a couple of tickets can produce rate changes resulting in some rates now being more affordable than competitors. Not only that, but auto insurance companies change rates at least once a year in order to remain profitable. An extended period of higher than normal claims can result in additional price hikes, while long-term profits can produce more affordable RAV4 insurance rates.

As an example, the chart below shows the company with the cheapest car insurance in Washington for a 30-year-old male driver with no accidents, a clean driving record, and solid credit. If we look at prices based on his current situation, Capital quotes the best car insurance rates in Washington at $777 each year. This is $635 less than the average premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also make the list of the most affordable Washington auto insurance companies.

The example below compares rates after we give the driver from the first example a claim, a lower credit rating, and a blemish on his driving record. Because every insurance company has their own unique process to set their prices, analyzing rate quotes may now present a slightly different list of affordable Washington car insurance companies as shown below.

Chubb now has the cheapest price in Washington with California Casualty, The Hartford, USAA, and Allied also having competitive pricing. This example demonstrates why it is critical to take the time to shop around when trying to find the best car insurance quotes for a Toyota RAV4. Car insurance prices are impacted by many things and can change without notice, so the cheapest company the last time you shopped around may now be costing you a lot of money.

Use our FREE quote tool to compare insurance rates now!

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