Finding cheap insurance for a Toyota RAV4 is normally pretty easy, but it hinges on a fairly complex equation with a lot of factors such as whether the vehicle is new, your geographic location, and any prior driving offenses. Drivers in Arizona will pay on average $882 a year to insure their RAV4, but that price is a projection calculated based on a 40-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
If we were betting, you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe your RAV4 is old enough that it doesn’t require full coverage. Having even a minor difference in the rating criteria used to formulate rates can make a large difference in policy price.
Every driver’s needs are different, and that is why the best way to find cheap car insurance rates for your Toyota is to just take the time to compare rates yourself. Get your free quotes now and you can get rates from some of the best insurers in Arizona.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$200||$382||$314||$18||$94||$1,008||$84|
|RAV4 Limited 2WD||$200||$382||$314||$18||$94||$1,008||$84|
|RAV4 Limited 4WD||$200||$382||$314||$18||$94||$1,008||$84|
|RAV4 Limited 4WD||$200||$382||$314||$18||$94||$1,008||$84|
|RAV4 Sport 4WD||$200||$382||$314||$18||$94||$1,008||$84|
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Mesa location which can alter rates considerably.
Finding good, low-cost car insurance is not most people’s favorite thing to do, and finding out which companies have the cheapest insurance rates for a Toyota RAV4 requires even more diligence.
Each auto insurer uses a slightly different approach to set policy rates, so we’ll go over the insurance companies with the most affordable rates in Mesa, AZ.
Cheap Insurance Rates for Your Toyota
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford may offer some of the lowest car insurance rates in Mesa at around $811 a year. This is $617 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheapest Mesa, AZ car insurance companies.
As shown in the table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you may realize yearly savings of around $113. Policyholders with Travelers may save as much as $308 a year, and USAA insureds might reduce prices by as much as $313 a year.
Understand that those premium estimates are averaged for all insureds and vehicles and do not factor in a specific location for a Toyota RAV4. So the company that has the lowest price for you may not even be in the top 28 companies in the list above. That’s why you need to compare rates from multiple companies using your own personal information and vehicle type.
Get discounts on Mesa auto insurance rates
Insurance providers that sell policies for a Toyota RAV4 may also provide rate discounts that can reduce rates by as much as 30% if you meet specific eligibility requirements. Large insurance companies and some of the discounts can be found below.
- Farm Bureau may offer discounts for driver training, youthful driver, multi-vehicle, 55 and retired, and renewal discount.
- Liberty Mutual may include discounts for multi-policy, multi-car, safety features, new graduate, exclusive group savings, newly retired, and new vehicle discount.
- State Farm offers discounts for safe vehicle, good student, defensive driving training, multiple policy, and driver’s education.
- Auto-Owners Insurance discounts include paid in full, good student, anti-lock brakes, paperless, anti-theft, and group or association.
- GEICO policyholders can earn discounts including good student, emergency military deployment, multi-vehicle, five-year accident-free, defensive driver, and membership and employees.
- SAFECO offers premium reductions for homeowner, drive less, anti-lock brakes, teen safe driver, teen safety rewards, and anti-theft.
The chart below illustrates the difference between car insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, defensive driving course, claim-free, marriage, passive restraint, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Toyota RAV4 is 28% or $465.
The diagram below demonstrates how choosing different deductibles can raise or lower insurance prices when researching cheap insurance for a Toyota RAV4. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $332 a year by changing from a $100 deductible to a $500 deductible, or save $502 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could save as much as $972 annually by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough savings to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Can you find cheaper RAV4 insurance?
Mesa, AZ insurance rates are based on many factors that may substantially change the cost of having a policy. Simply having a birthday, marrying your spouse, or getting a ticket for careless driving may generate price changes that may make certain companies cheaper than competitors.
Not only that, but car insurance companies change rates as needed to help ensure profitability. Larger than normal claims can result in increased policy costs, while a better claims history can result in lower-priced RAV4 insurance rates.
To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Mesa, AZ for a 35-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we compare prices based on his personal risk profile, The Hartford quotes the cheapest car insurance rates in Mesa at $1,082 per year. This is $346 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also on the list of the cheapest Mesa, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a couple of claims, bad credit, and a few traffic violations. Due to the fact that every auto insurer has a different formula for setting rates, analyzing rate quotes will most likely result in a slightly different list of the cheapest companies as shown below.
GEICO now has the best price in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Safe Auto completing the list. This example demonstrates why it is critical to compare as many rates as possible when trying to get cheap car insurance quotes for a Toyota RAV4. Prices are determined by many risk factors and change frequently, so the cheapest rate the last time you shopped your coverage around may now cost much more than other companies.
How to find budget-friendly insurance for a Toyota RAV4
Here are some of the better penny-pinching suggestions that can help Mesa drivers find more affordable auto insurance.
- Good credit can help you save money
- Do not get into accidents that are your fault
- Increase your policy deductibles
- Buy a safer vehicle
- Don’t waste money on full coverage for older vehicles
- Do not get tickets or violations
- Ensure you have the best deal by shopping around regularly
The last tip is remarkably vital, as was emphasized in the prior article. Insurance prices adjust frequently, so drivers shouldn’t be reluctant to buy from a different company if a more affordable price is available.
Sticking with a specific company is fine, but it’s not a great idea if that devotion results in you overpaying money that could be spent on other things. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for a Toyota RAV4 in Mesa.