Finding the best cheap coverage for a Toyota RAV4 in California is normally pretty easy, but it hinges on a whole bunch of factors such as the safety rating of your vehicle, your credit history, and driving violations. Drivers will pay on average $1,248 each year for RAV4 insurance, but that is based on a 50-year-old married female driver with full physical damage coverage and $100 deductibles.
It’s more than likely you are not 50 years old and maybe not even female, you might be single instead of married, and maybe your RAV4 is older and does not require full coverage. Auto insurance is unique to each driver, so the only real way to find cheap insurance rates for your Toyota is to just take the time to compare rates yourself.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 Sport 2WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 4WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 Limited 2WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 Limited 4WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 Limited 4WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
| RAV4 Sport 4WD | $292 | $570 | $416 | $24 | $124 | $1,426 | $119 |
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can influence auto insurance rates significantly.
Finding dependable, low-cost auto insurance is not always easy, and finding out which companies have the best car insurance rates for a Toyota RAV4 will take even more rate comparisons.
Every auto insurer has their own formula for establishing rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Long Beach.
Compare Cheap Insurance Quotes for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Allied | $1,541 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA quotes some of the best car insurance rates in Long Beach at around $1,121 a year. Wawanesa, Nationwide, Century National, and CSAA also qualify as some of the most economical Long Beach, CA car insurance companies.
In this example, if you are a policyholder with Century National and switched to USAA, you could realize a yearly savings of in the neighborhood of $105. Insureds with CSAA may save as much as $113 a year, and 21st Century policyholders might reduce rates by $217 a year.
To see how much you can save, click here to get quotes or click through to the companies below.
It’s important to note that these premium estimates are averages across all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for a Toyota RAV4. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That is why you need to get auto insurance quotes using your own driver data and vehicle information.
The chart below demonstrates how choosing different deductibles can increase or decrease insurance prices when quoting cheap insurance for a Toyota RAV4. The data is based on a single male driver, comp and collision included, and no discounts are applied.
In the chart above, a 40-year-old driver could pocket $436 a year by increasing from a $100 deductible up to a $500 deductible, or save $656 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates $1,432 every year by choosing larger deductibles on their policy. When raising deductibles, it is a good idea to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Driving violations and accidents
The easiest method to earn the cheapest car insurance premiums in California for a RAV4 is to drive safe and not receive tickets or have accidents. The illustration below illustrates how violations and at-fault fender-benders impact car insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $2,308. Get written up for two speeding tickets and the average cost increases to $3,294, an increase of $986 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for a Toyota RAV4 goes up to an average of $4,286. That’s an increase of $1,977, or $165 per month, just for not being a responsible driver!
Discounts on Long Beach auto insurance rates
Insurers that offer coverage for a Toyota RAV4 may also provide rate discounts that may potentially lower prices by 25% or more if you qualify for them. Large car insurance companies and their possible discounts can be found below.
- State Farm policyholders can earn discounts including accident-free, multiple policy, good driver, Drive Safe & Save, and defensive driving training.
- Liberty Mutual may include discounts for good student, teen driver discount, hybrid vehicle, safety features, newly retired, and new graduate.
- American Family includes discounts for mySafetyValet, bundled insurance, good driver, good student, Steer into Savings, and air bags.
- Progressive offers discounts including online signing, multi-policy, homeowner, multi-vehicle, and online quote discount.
- Farmers Insurance discounts include multi-car, bundle discounts, distant student, teen driver, and good student.
- Auto-Owners Insurance has discounts for multi-policy, anti-lock brakes, paid in full, safe vehicle, air bags, good student, and group or association.
- SAFECO may have discounts that include anti-lock brakes, homeowner, bundle discounts, teen safety rewards, drive less, safe driver, and multi-car.
The diagram below shows the comparison of auto insurance costs with and without some available policy discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, accident-free, multiple policy, anti-theft, multiple vehicle, and homeowner discounts applied. In this example, theamount saved on car insurance for a Toyota RAV4 is 28% or $762.