Finding the best cheap auto insurance for a Toyota RAV4 is normally pretty easy, but it relies on an enormous amount of factors such as your age, the size of your vehicle, and the level of deductible you choose. Drivers pay around $814 per year to insure their RAV4, but that figure is an estimation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
There’s a good chance you are not 50 and maybe not even a female, maybe you are married instead of single, or maybe you just want different deductibles. Different coverage needs are the reason why the only way to find the cheapest coverage for your Toyota is to do your own rate comparisons. It only takes a couple of minutes and you will get price quotes from top-rated car insurance companies that insure Toyota vehicles in Arizona.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$162||$308||$338||$20||$102||$930||$78|
|RAV4 Limited 2WD||$162||$308||$338||$20||$102||$930||$78|
|RAV4 Limited 4WD||$162||$308||$338||$20||$102||$930||$78|
|RAV4 Limited 4WD||$162||$308||$338||$20||$102||$930||$78|
|RAV4 Sport 4WD||$162||$308||$338||$20||$102||$930||$78|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in vehicle location which can decrease or increase coverage rates significantly.
Selecting a highly-rated car insurance provider can be a challenge considering how many different companies there are to choose from in Arizona. The company information in the lists below may help you analyze which auto insurance companies to look at comparing price quotes from. These rankings are only made up of companies that insure vehicles nationwide, so companies that focus mainly on Arizona business will not be included in the list.
Top 10 Major Auto Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Responsible drivers pay cheaper Tucson auto insurance rates
The best way to maintain the best auto insurance premiums in Arizona for a RAV4 is to drive cautiously and have a clean driving record. The chart below highlights how traffic violations and accidents can affect auto insurance costs for different age groups. The information is based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of car insurance in Tucson per year with no accidents or violations is $1,744. Factor in one speeding ticket and the average cost swells to $2,001, an increase of $256 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota RAV4 increases to an average of $2,729. That’s an increase of $985, or $82 per month, just for not driving responsibly!
Get discounts on Tucson auto insurance rates
Insurance providers that provide policies for a Toyota RAV4 may also give you price discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. A few of the larger companies and some of the premium reductions they offer are shown below.
- GEICO includes discounts for five-year accident-free, air bags, seat belt use, anti-lock brakes, multi-vehicle, daytime running lights, and federal employee.
- Travelers may offer discounts for IntelliDrive, home ownership, multi-car, student away at school, continuous insurance, and new car.
- Farm Bureau policyholders can earn discounts including safe driver, 55 and retired, multi-vehicle, renewal discount, driver training, good student, and youthful driver.
- Liberty Mutual may have discounts that include exclusive group savings, newly retired, newly married, safety features, multi-policy, and good student.
- American Family offers discounts including Steer into Savings, good student, early bird, mySafetyValet, bundled insurance, and accident-free.
- Progressive has discounts for continuous coverage, online signing, homeowner, good student, and online quote discount.
The diagram below compares insurance premiums with and without discounts applied. Data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, passive restraint, marriage, multiple policy, safe-driver, and multiple vehicle discounts applied. With discounts applied, the average savings per year on auto insurance for a Toyota RAV4 is 28% or $534.
If you aren’t clear which coverage you need and would like to have a consultation when shopping for the best coverage for a RAV4, the agents listed below are a good start to help you determine which insurance coverage will be best for you. To locate a Tucson auto insurance agent using an interactive map, click the button at the bottom of the list or click here to compare rates now.
Joe Robinette – State Farm Insurance Agent
4640 E Sunrise Dr #103 – Tucson, AZ 85718 – (520) 577-8833
American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100
American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877
How to find budget-friendly auto insurance for a Toyota RAV4
Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help Tucson drivers quote cheap coverage.
- Try to remain claim-free
- Buying home and auto insurance together can earn discounts
- Clean up your credit
- Having at-fault accidents will increase rates
- Higher deductibles save money
- Be a cautious driver
- Compare rates and switch if you can find a better deal
That last piece of advice is highly important, as we discussed in this write-up. Car insurance rates can be changed at any time, so don’t hesitate to change insurance companies if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty ends up costing money that could be spent on other things. In just a few minutes you could shop around and find cheaper insurance for a Toyota RAV4 in Tucson.