Finding the cheapest coverage for a Toyota RAV4 in Texas is dependent upon many different factors such as whether you are married, if you have prior claims, and any prior driving offenses you have. Texas drivers will pay around $1,138 annually for RAV4 insurance, but that price is an estimation calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
More likely than not, you aren’t exactly 30 years old or even a female, maybe you are single instead of married, or maybe you have a speeding ticket or two that will increase rates. Having even a minor difference in rating variables or coverage information can result in a large change in the amount insurance costs for a Toyota RAV4.
Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest insurance price for your Toyota is to just compare rates yourself.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$286||$486||$388||$24||$116||$1,300||$108|
|RAV4 Limited 2WD||$286||$486||$388||$24||$116||$1,300||$108|
|RAV4 Limited 4WD||$286||$486||$388||$24||$116||$1,300||$108|
|RAV4 Limited 4WD||$286||$486||$388||$24||$116||$1,300||$108|
|RAV4 Sport 4WD||$286||$486||$388||$24||$116||$1,300||$108|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in Laredo location which can influence prices noticeably.
Trying to buy reasonably-priced insurance is not easy, and deciding which companies have the cheapest insurance rates for a Toyota RAV4 will involve additional perseverance.
Each auto insurer has a unique formula to set premium rates, so let’s begin by taking a look at the insurance companies that tend to be cheaper in Laredo. It’s a good idea to be aware that Laredo, TX insurance rates are impacted by many things that may substantially change the policy price. This is why it is important to spend some time comparing rates when trying to find the lowest auto insurance rates for a Toyota RAV4. Car insurance prices consist of many different factors and change substantially, so the most economical company when you last compared rates may now be an over-priced policy.
Best Auto Insurance Prices for Your Toyota
Travelers has some of the lowest car insurance rates in Laredo at around $1,052 a year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Laredo, TX insurance companies.
In the above example, if you buy coverage from Germania Mutual and switched to USAA, you may see a yearly price reduction of around $177. Texas drivers with Esurance might save as much as $248 a year, and California Casualty customers might lower prices by up to $265 a year.
To see if you’re overpaying, click here to start a quote or feel free to get quotes from the companies below.
Be aware that those prices are averages across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Toyota RAV4. So the insurer that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
Get discounts on Laredo auto insurance rates
Insurance companies that provide coverage for a Toyota RAV4 may additionally offer special discounts that may potentially lower prices by as much as 30% if you qualify for them. A few of the larger companies and a summarized list of policyholder discounts can be read below.
- American Family has savings for accident-free, air bags, good student, TimeAway discount, defensive driver, and Steer into Savings.
- Nationwide offers discounts including defensive driving, accident-free, multi-policy, easy pay, anti-theft, and business or organization.
- MetLife policyholders can earn discounts including claim-free, good student, good driver, accident-free, and defensive driver.
- 21st Century may offer discounts for driver training, good student, early bird, anti-lock brakes, and air bags.
- Farmers Insurance may have discounts that include switch companies, teen driver, business and professional, alternative fuel, good student, and distant student.
- Allstate offers premium reductions for premier plus, auto/life discount, premier discount, new car, farm vehicle, early signing, and 55 and retired.
The example below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, defensive driving course, multiple vehicle, accident-free, claim-free, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Toyota RAV4 is 28% or $679.
Safe drivers pay cheaper rates
A great way to find good insurance rates for a RAV4 is to be a careful driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how speeding tickets and at-fault fender-benders can raise premium costs for different ages of insureds. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $2,453. Get written up for two speeding tickets and the average cost increases to $3,302, an increase of $850 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota RAV4 jumps again to an average of $4,158. That’s an increase of $1,706, or $142 per month, just for not driving attentively!
Ideas to find cheaper car insurance for a Toyota RAV4
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help Laredo drivers quote more affordable coverage.
- The safer your car, the less it costs to insure
- Good credit can help you save money
- At-fault accidents can raise rates significantly
- Higher deductibles mean lower rates
- Drop full coverage on older vehicles
- Do not get tickets
- Ensure you have the best deal by shopping around regularly
The last idea is extremely crucial, as we noted in this write-up. Rates can change considerably in a year, so don’t be hesitant to buy from a new company if a better rate can be found.
Brand loyalty is great, but we do not recommend it if that loyalty results in overpaying several hundred dollars every year. Take a few minutes and compare rates and find cheaper auto insurance for a Toyota RAV4 in Laredo.
If you would rather get some help when shopping for the best coverage for a Toyota RAV4, the insurance agencies below can provide answers to your questions and help you determine which car insurance company is the best fit.
To locate a Laredo car insurance agency in your neighborhood, click the link at the bottom.
- Laurel Insurance
4519 San Bernardo Ave – Laredo, TX 78041 – (956) 723-3785
- Benavides~Arellano Insurance
5901 McPherson Rd – Laredo, TX 78041 – (956) 723-0688
- Delgado Insurance Agency, LC
9902 McPherson Rd #6 – Laredo, TX 78045 – (956) 728-7377
- FalconSure Insurance Agency
7718 McPherson Rd #3 – Laredo, TX 78045 – (956) 794-9700
- Farmers Insurance – Pedro Sanchez
5916 San Bernardo Ave – Laredo, TX 78041 – (956) 722-8445