Buying the cheapest coverage for a Toyota RAV4 is pretty simple, but it depends on a large number of factors such as the mileage of your daily commute, if you have a tendency to file claims, and driving citations. California drivers pay around $1,134 per year for RAV4 insurance, but that price is using a 40-year-old married male driver with full coverage and $500 deductibles.
But there is a good chance that you aren’t exactly 40 years old or even a male, possibly single instead of married, or maybe you prefer to not insure for full coverage. Having the smallest difference in rating variables or coverage information may result in a big change in how much insurance for a Toyota RAV4 costs.
Everone’s needs are different, and this illustrates why the best method for finding cheap insurance prices for your Toyota is to compare as many rates as possible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 Sport 2WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 4WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 Limited 2WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 Limited 4WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 Limited 4WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| RAV4 Sport 4WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price information does not factor in specific zip code location which can change auto insurance rates noticeably.
Finding the right auto insurance provider is hard considering how many different companies insure vehicles in Fresno. The rank data below could help you analyze which car insurance companies to look at when insurance shopping for a Toyota RAV4. The rankings below are for the largest auto insurers in America, so companies that may only write in California will not be included in these rankings.
Top 10 Large Auto Insurers in Fresno Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers in Fresno Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Get discounts on Fresno car insurance rates
Insurance providers that offer quotes for a Toyota RAV4 may also give you premium discounts that could potentially reduce rates by 25% or more if you meet eligibility requirements. A list of car insurance companies and their possible discounts can be found below.
- Farmers Insurance offers premium reductions for distant student, electronic funds transfer, mature driver, teen driver, alternative fuel, good student, and early shopping.
- Esurance offers discounts including multi-policy, anti-theft, paid-in-full, Pac-12 alumni, multi-car, and emergency road assistance.
- State Farm policyholders can earn discounts including good driver, multiple autos, defensive driving training, student away at school, and passive restraint.
- GEICO has discounts for five-year accident-free, multi-vehicle, good student, air bags, and anti-lock brakes.
- Allstate has savings for early signing, eSmart discount, EZ pay plan discount, multi-policy, premier plus, and premier discount.
The information below illustrates the difference between premium costs with and without discounts being applied to the rates. The prices are based on a male driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, multiple vehicle, vehicle safety, homeowner, claim-free, and marriage discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for a Toyota RAV4 is 28% or $762.
Cost difference between full coverage and liability
Finding the cheapest car insurance is probably important to most people, and one common way to find cheaper insurance for a Toyota RAV4 is to not buy comprehensive and collision coverage. The information below visualizes the comparison of insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no accidents, no driving violations, $100 deductibles, single status, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs $2,998 per year more than just insuring for liability. That is a significant amount which raises the question if it’s a good idea to buy full coverage. There is no clear-cut formula of when to phase out physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s claim settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $9,500 after you pay the deductible. If premium cost is more than $950 annually for your policy with full coverage, then you might want to think about dropping full coverage.
Who has the cheapest RAV4 insurance?
Fresno car insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Improving your credit rating, moving across town, or getting caught speeding can produce rate changes resulting in some companies being more affordable than the competition. And not only may your rating factors change, but auto insurance companies change the rates they charge in California without warning to adjust for unexpected claims or profits. A period of higher than normal claims may result in increased policy costs, while a better loss history can cause more affordable RAV4 insurance rates.
For example, the bar chart below analyzes the cheapest car insurance in Fresno, CA for a 45-year-old male driver with no violations or accidents, and good financial standing. When quoting prices based on his personal profile, USAA may offer the best car insurance rates in Fresno at $1,297 each year. This is $354 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also on the list of the cheapest Fresno, CA auto insurance companies.
Now let’s give the driver from the first example an accident surcharge, less-than-perfect credit, and an imperfect driving record. Because each company has a unique approach to set policy rates, analyzing rates may now show a different set of the cheapest companies as shown below.
Grange now has the best car insurance rate in Fresno, CA with GEICO, Allied, Progressive, and Mercury completing the list. This example demonstrates why Fresno drivers need to shop around with many companies when trying to get the best auto insurance rates for a Toyota RAV4. Car insurance prices consist of many things and change dramatically, so the cheapest company the last time you shopped around may now be one of the more expensive options.
Tips to find more affordable auto insurance for a Toyota RAV4
Lowering your rates is not difficult, and here are a few penny-pinching ideas that can help you quote cheap car insurance.
- Pay for small claims rather than turning them in to your insurance company
- Being accident-free can lower rates significantly
- Save money by only buying liability coverage for older vehicles
- Do not get tickets
- Higher deductibles mean lower rates
- Compare rates often to find the best deal
The last suggestion is highly vital, as we discussed in the article above. Insurance prices can be modified anytime, so don’t be hesitant to change insurance companies if you can save money. Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you big bucks every year. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Toyota RAV4 in Fresno.
The agencies below can probably provide answers to your questions and help you determine which insurance coverage you need, as some drivers wish to have a professional recommendation when trying to find the best insurance rates for a Toyota RAV4. It can be challenging to find the cheapest rate yourself, so using a licensed agent can bring comfort knowing your policy gives you sufficient protection if you have a claim.
To find an auto insurance agency closest to you, click the button following the list or click here to compare prices now.
- Farmers Insurance – Jagdeep Singh
4185 W Figarden Dr #101 – Fresno, CA 93722 – (559) 527-5530 - Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355 - M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588 - Allstate Insurance: Ron Meadows
1750 E Bullard Ave Ste 101 – Fresno, CA 93710 – (559) 432-0656 - Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766