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Who Has Cheap Insurance for a Toyota RAV4 in Texas?

The chances of finding cheaper auto insurance for a Toyota RAV4 in Texas relies on a lot of rating factors like the amount of driving experience you have, whether or not you garage your vehicle, and physical damage deductibles. Drivers pay on average $980 a year to insure a RAV4, but that cost is based on cost data for a 40-year-old married male who needs both comprehensive and collision coverage and $500 policy deductibles.

This brings up the issue that more than likely you are not 40 years old and maybe not even male, possibly single instead of married, or maybe you prefer liability limits higher than required by Texas state law. What appears to be a small change in rating variables or coverage information can create big changes in the cost of a policy.

Each driver has unique rating factors, so your best chance at finding the cheapest rates for your Toyota is to put in the effort to do a thorough rate comparison. Quotes only take a few minutes and you will receive price comparisons from some of the most affordable companies that insure Toyota vehicles in Texas.

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Toyota RAV4 Insurance Rates in Texas
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
RAV4 2WD$218$368$392$24$118$1,120$93
RAV4 Sport 2WD$218$368$392$24$118$1,120$93
RAV4 4WD$218$368$392$24$118$1,120$93
RAV4 Limited 2WD$218$368$392$24$118$1,120$93
RAV4 Limited 4WD$218$368$392$24$118$1,120$93
RAV4 Limited 4WD$218$368$392$24$118$1,120$93
RAV4 Sport 4WD$218$368$392$24$118$1,120$93
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase rates noticeably.

Finding dependable, cheap auto insurance is hard enough, and figuring out which company offers the cheapest insurance rates for a Toyota RAV4 may require additional perseverance. Every auto insurer has their own process for determining prices, so let’s rank the insurance companies with the overall best prices in Texas.

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Rankings for the cheapest Texas auto insurance companies
RankCompanyCost Per Year
1Travelers$1,021
2USAA$1,128
3Texas Farm Bureau$1,211
4Germania Mutual$1,244
5Esurance$1,407
6California Casualty$1,424
7Mercury$1,476
8State Farm$1,495
9Safe Auto$1,597
10Nationwide$1,600
11Progressive$1,664
12Allstate$1,667
13Amica$1,705
14GEICO$2,072
15Home State$2,155
16MetLife$2,161
17Encompass$2,232
18Unitrin$2,310
1921st Century$2,421
20Titan$2,646
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Travelers generally has some of the most affordable car insurance rates in Texas at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Texas auto insurance companies.

As shown in the table above, if you are insured with Texas Farm Bureau and switched to Travelers, you might achieve savings of around $190. Drivers with Germania Mutual could save as much as $223 a year, and Esurance insureds might lower prices by up to $386 a year.

These policy rates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Toyota RAV4. So the company that fits your age and vehicle best may not even be included in the above list. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.

Full coverage rates compared to liability only

Finding cheap insurance for a Toyota RAV4 in Texas is the goal of the majority of vehicle owners, and one of the fastest ways to lower the cost of insurance is to only buy liability coverage. The information below illustrates the comparison of car insurance costs when comparing full coverage to liability only. The data is based on no claims, a clean driving record, $500 deductibles, single status, and no discounts are taken into consideration.

If we average the cost for all age groups, physical damage insurance costs $2,123 per year more than buying just liability insurance. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There is no clear-cut rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

Cautious Texas drivers save money

One of the best ways to get good insurance premiums for a RAV4 is to drive carefully and have a clean driving record. The chart below demonstrates how speeding tickets and at-fault claims can raise insurance prices for different age groups of insureds. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,809. Get two speeding tickets and the average cost increases to $2,491, an increase of $683 each year. Next add two accidents along with the two speeding tickets and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $5,156. That’s an increase of $3,348, or $279 per month, just for being a little careless behind the wheel!

Cheapest Toyota RAV4 insurance quotes

Due to technology, there are many ways to compare insurance prices in Texas, but the most common methods are using an independent agent, a captive (or exclusive) agency such as State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but they are slightly different in how they provide price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can compare rates with each one. Independent agents have the freedom to provide you with more rate quotes, which can help you get a better chance of finding cheaper coverage. If the agent locates a cheaper price, the business is moved internally which is easy for the insured.

Exclusive agents are usually just provide rates from a single company, a couple examples are a State Farm or Liberty Mutual agent. These agents normally cannot provide rate quotes from other companies, so drivers will want to get other quotes as well.

Insurance from a direct company means you bypass either of the other two types of agents and instead shop direct from companies such as Progressive or Geico. This option may be the best choice people who do not need advice for asset protection and have a good understanding of the limitations of insurance.

What is the best way to find cheap insurance for a Toyota RAV4 in Texas? Our initial answer would be shopping direct saves the most money since there is no middleman, but that generally is not the case. A good argument could also be made that buying insurance from an independent agent is the best way to save because they can shop around, but again, that’s not accurate. And occasionally, exclusive agencies have very competitive rates that are the lowest in Texas.

Since insurance prices vary so much, really the only way to ensure the lowest rates is to get rate quotes and compare. Set aside the time to get price quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.

How to find cheap insurance for a Toyota RAV4 in Texas

The list below summarizes some money-saving solutions that can help Texas drivers find cheap auto insurance.

  • Avoid accidents and claims
  • Maintaining good credit helps earn cheaper rates
  • Do not file small claims
  • You will pay more if you get tickets or have at-fault accidents
  • Get cheaper liability coverage by choosing a safer vehicle
  • Compare price quotes at least once a year

That final tip is especially valuable, as was affirmed in the prior article. Prices can be changed at any time, so drivers shouldn’t be resistant to buy a different policy if a more affordable rate is found.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that loyalty results in overpaying hundreds every year. Now is a great time to compare rates and find cheaper car insurance for a Toyota RAV4.

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