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Who Has Cheap Insurance for a Toyota RAV4 in California?

Enter your California Auto Insurance 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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Buying cheaper auto insurance for a Toyota RAV4 in California hinges on factors such as whether you are married or single, whether or not you have prior claims, and your motor vehicle report. California drivers pay an average of $1,370 per year to insure a Toyota RAV4, but that amount is calculated based on a 30-year-old single male driver that wants full coverage and $500 physical damage deductibles.

Toyota RAV4 insurance

It’s more than likely you are not 30 years old and maybe not even male, you might be married instead of single, and maybe your RAV4 is older and does not require full coverage. Have just a small change in policy rating criteria or coverages may result in significant differences in the cost of insurance for a Toyota RAV4.

This demonstrates why the only way to find cheap car insurance rates for your Toyota is to comparison shop your policy at every renewal or at least every couple of years.

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

Toyota RAV4 Insurance Rates in California
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Sport 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Sport 4WD $316 $464 $578 $34 $174 $1,566 $131
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in California location which can modify rates substantially.

What is the best car insurance company in California?

Choosing the top car insurance provider can be rather challenging considering how many companies sell coverage in California. The ranking data in the lists below may help you analyze which providers to look at when comparing rate quotes.

The rankings below include large, nationwide insurance companies, so companies that may only write in California are not taken into consideration for the list. If you’d like to compare prices from the most competitive companies in California, click here.

Free Auto Insurance Comparison

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Top 10 Major Auto Insurers Overall in California

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top Companies for Toyota RAV4 Insurance in California

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

Full coverage versus liability-only

Finding cheap insurance for a Toyota RAV4 in California is probably important to the majority of drivers, and one of the quickest ways to buy cheap insurance is to not buy comprehensive and collision coverage. The illustration below shows the comparison of annual premium costs when comparing full coverage to liability only. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

As an average for all age groups, physical damage insurance costs an additional $2,458 per year over having just liability coverage. That is a large expense and it proposes the question if full coverage is worth the money. There is no definitive formula of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s replacement value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $9,500 after paying your deductible. If it’s costing in excess of $950 annually for comprehensive and collision coverage, then you might consider buying liability only.

Violations and accidents raise rates

The easiest method to get cheap insurance for a Toyota RAV4 in California is to be a safe driver and avoid accidents and keep your driving record clean. The information below illustrates how violations and fender-benders can impact auto insurance costs for different age groups. The information is based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the example above, the average cost of auto insurance per year with no accidents or violations is $1,888. Receive two speeding tickets and the average cost surges to $2,681, an increase of $793 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for a Toyota RAV4 increases to an average of $3,479. That’s an increase of $1,591, or $133 per month, just for not driving carefully!

Which auto insurance company is best?

When buying insurance for a RAV4 in California, the first places to look would be State Farm, Progressive, Geico, and Allstate. Between them, they insure 48.5% of all vehicles in the U.S.. The table below points out price and claims rank as well as some different options that may be available in California.

Largest U.S. Car Insurance Company Ratings
State Farm Progressive Geico Allstate
Overall Satisfaction 4th 3rd 1st 2nd
Policy Cost 2nd 3rd 1st 4th
Number of Discounts 3rd 4th 2nd 1st
Claims Rank 2nd 4th 3rd 1st
Percent of customers who recommend 88% 88% 87% 86%
New car replacement coverage No No No Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
Mechnical breakdown No Yes Yes No
Usage-based rating Yes Yes No Yes
Insurance Agents State Farm exclusive agents Online or from independent agents Can buy online or use a Geico agent Allstate exclusive agents
Number of agents 18,000+ 30,000+ 150+ 11,000+
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How to find low-cost insurance for a Toyota RAV4

It’s not impossible to find cheaper rates, and here are some of the better thrifty solutions that can help you locate cheaper car insurance.

  • Buying home and auto together can help save money
  • Claim-free drivers earn discounts
  • Avoid getting tickets or violations
  • Do not get into accidents
  • Drive safe vehicles
  • Shop around once a year for cheaper rates

The last idea is notably important, as we emphasized in the prior article. Insurance prices vary greatly, so don’t hesitate to buy a policy from a new company if a lower price can be found. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. Spend a few minutes and compare prices and find cheaper car insurance for a Toyota RAV4.

Free Auto Insurance Comparison

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

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