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Car Insurance Quotes for a Toyota RAV4

Are You Getting the Cheapest Car Insurance Available for a Toyota RAV4?

Ilustración de Toyota RAV4

How Much Is Auto Insurance for a Toyota RAV4?

The average annual premium for a Toyota RAV4 is $501 for minimum coverage and $1,510 for full coverage. Since all states but two require drivers to carry car insurance, which policy is best for you and your budget?

Most lenders require full coverage, which consists of state liability plus comprehensive and collision. However, in most cases, the cheapest coverage for a RAV4 will be the state minimum. However, your rate will depend on a variety of individual factors, such as your age and driving record.

At Freeway Insurance, our agents are standing by to help you find the right coverage at the best price for you and your family.

Getting a Free Auto Insurance quote with Freeway is easy!

What You Should Know About the RAV4, a Compact SUV

According to Car and Driver, the RAV4 is a bestseller – for all the right reasons. It’s a nice SUV with enough space in the cabin and cargo area, it’s priced well and gets good gas mileage. Whether you choose the traditional gas engine or a hybrid model, the RAV4 is an attractive vehicle that handles well on the road.

It’s the perfect choice for commuting to work and running errands.

Comparing Insurance Costs for Your RAV4 to Other Vehicles

If you drive a Toyota RAV4, expect to pay different premiums than drivers of comparable vehicles like the Mazda CX-5 and Hyundai Tucson. This is because each particular make and model have higher parts and labor costs, safety features, and other “risk-proof” features than others.

Make/Model Annual Full Coverage Insurance
Toyota RAV4 $1,510
Mazda CX-5 $1,522
Hyundai Tucson $1,278
Ford Explorer $1,536
Subaru Forester $1,064

Types of Car Insurance Coverage for Your RAV4

Freeway Insurance offers several policy options, including state minimum liability and full coverage.

Full Coverage

This type of car insurance includes liability, collision, and comprehensive policies.

Liability pays for bodily injury and property damage of third parties when you are at fault for an accident.

Collision covers wrecks that occur while your car is in motion. Comprehensive insurance covers damages due to non-collision-related incidents, such as falling tree limbs, hail, natural disasters, and vandalism.

Full coverage includes damages up to your policy limits minus your deductible. It also pays for injuries incurred by you and your passengers.

We highly recommend a full coverage over a state minimum liability policy for the greater number of protections it provides.

State Minimum Liability

All states in the U.S. mandate that you carry minimum liability for bodily injury and property damage.

Every state has minimum mandated liability limits. For example, California requires $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage liability. In turn, Texas requires $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 for property damage liability.

One of the drawbacks of statement on liability policies is that it only extends third-party benefits, covering the cost of damages sustained by others in an at-fault accident. We recommend full coverage, which provides first-party benefits such as collision and comprehensive insurance.

Toyota RAV4

How Does a DUI Affect Insurance Rates for a Toyota RAV4?

If you have been convicted of a DUI, expect your rates to go up.

For starters, your premium may triple, depending on the offense. You may also be required to file an SR-22, a certificate of financial responsibility that lets the state know you carry the minimum required liability limits. Unfortunately, your SR-22 requirement will last for a three-year minimum. However, your rates should slowly decrease over time after that, as long as you maintain a clean driving record.

If you are convicted of multiple DUIs within a short period, some insurers may decide to let you go a customer altogether, refusing to provide coverage. Others will work with you to offer DUI insurance.

We highly recommend comparing rates between different insurers if you have been convicted of DUI. One may offer the same insurance policy at a 30% discount than a competing member, making the exercise well worth it. Shopping around can help you find cheap DUI quotes.

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What Are Some Auto Insurance Discounts?

Fortunately, there are many discounts available to Toyota RAV4 drivers.

  • One of the most popular is the “good driver” discount, awarded to drivers who maintain a clean driving record free of moving violations and claims for the past three to five years.
  • Tips to keep a good driver discount include driving less, enrolling in a telematics program, signing up for defensive driving courses, and keeping driving distractions to a minimum (no texting!).
  • Another popular discount is the policy-related discount, awarded based on how you structure your policy—for example, insuring more than one vehicle or purchasing two or more policies from the same insurer (“bundling“) all qualify.
  • Safety-related discounts are a big win as well. Installing anti-lock brakes, anti-theft devices, daytime running lights, and similar features all make you less of an accident and theft risk to insurers.

Be sure to call your auto insurance provider every couple of months (or as your life circumstances change) to see if you qualify for any new discounts.

What Are Some of the Characteristics Of the RAV4?

It is a vehicle in the compact SUV segment.

It comes in six trims: LE, XLE, XLE Premium, Adventure, TRD Off-Road, and Limited, along with one engine option, a 203-horsepower four-cylinder engine with 8-speed automatic transmission with the choice of front-wheel or all-wheel drive.

Standard features include an 8-inch touch screen, Apple CarPlay/Android Auto compatibility, three USB ports, and “Hey Toyota,” its virtual assistance suite, which allows drivers to issue hands-free commands like starting a song. In addition, the Toyota Safety Sense 2.5 package includes several intelligent safety features, including forward collision warning, forward automatic emergency braking, and automatic high-beam headlights.

Upgrading to higher trims increases the screen size to 10.5 inches, along with an 11-speaker stereo and integrated front and rear parking sensors.

Main competitors are the Mazda CX5, Hyundai Tucson, Ford Explorer, and Subaru Forester.


Find the Best Car Insurance Rates Online for Your RAV4 Today

Freeway Insurance is ready to help all Toyota RAV4 drivers find insurance matching their coverage needs.

Getting started with Freeway Insurance takes less than five minutes. To request a quote, call 800-777-5620, visit our website, or make an in-person trip to one of our offices for a consultation with one of our friendly agents. We look forward to serving you.

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