Finding economical insurance for a Toyota RAV4 in California is dependent upon a large number of factors such as whether you are a homeower, the likelihood of vehicle theft, and any prior driving offenses you have. Drivers in California will pay around $1,659 annually to insure their RAV4, but that figure is an approximation using a 30-year-old single female driver with full physical damage coverage and $250 deductibles.
But there is a high probability that you aren’t exactly 30 years old or even a female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Not every driver requires the same auto insurance coverages, so the best way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible. Compare rate quotes now and you will receive prices from some of the best insurers that sell coverage in California.
Cheapest Toyota RAV4 Insurance Rates
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 2WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Limited 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
| RAV4 Sport 4WD | $378 | $708 | $596 | $36 | $178 | $1,896 | $158 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in zip code location which can impact premium rates greatly.
Insuring your vehicle with a good quality insurance company can be difficult considering how many different companies there are to choose from in San Jose. The ranking data shown below may help you analyze which providers you want to consider when looking for cheaper rates.
These rankings only include the largest companies in the United States, so companies that may only write in California are not factored into these rankings. If you wish to compare prices from these and other companies in California, click this link.
Top 10 Large Auto Insurance Providers in San Jose Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Types of discounts on San Jose auto insurance rates
Insurance companies that sell policies for a Toyota RAV4 may also provide special discounts that could lower prices by as much as 35% if you can meet the requirements. The best auto insurance companies and their possible discounts are included below.
- Farm Bureau discounts include good student, driver training, renewal discount, multi-vehicle, and safe driver.
- Liberty Mutual policyholders can earn discounts including teen driver discount, hybrid vehicle, new move discount, newly retired, multi-policy, and multi-car.
- State Farm offers premium reductions for driver’s education, anti-theft, safe vehicle, student away at school, multiple policy, and Steer Clear safe driver discount.
- Auto-Owners Insurance has discounts for group or association, good student, multiple vehicles, air bags, and paperless.
- GEICO includes discounts for five-year accident-free, driver training, military active duty, multi-vehicle, emergency military deployment, and membership and employees.
- SAFECO may include discounts for anti-theft, anti-lock brakes, accident prevention training, safe driver, teen safety rewards, bundle discounts, and multi-car.
The chart below illustrates the comparison of insurance costs with and without policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, accident-free, multiple vehicle, passive restraint, claim-free, and vehicle safety discounts applied. With discounts applied, theamount saved on auto insurance for a Toyota RAV4 is 28% or $652.
Why you are probably overpaying for RAV4 insurance
San Jose auto insurance rates are influenced by many factors which can substantially change the policy premium. Getting older, getting married, or getting a reckless driving citation may generate price changes that can make some companies cheaper than competitors. Not only may things change on your end, but insurance companies modify rates as needed to adjust for heavy claims or excess profits. Heavier than normal losses can cause additional price hikes, while a profitable period may produce cheaper RAV4 insurance rates.
To illustrate this point, the chart below shows the company with the cheapest car insurance in San Jose, CA for a 30-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we look at prices based on his current risk factors, USAA may have the cheapest car insurance rates in San Jose at $1,187 per year. This is $464 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA round out the rest of the top five cheapest San Jose, CA auto insurance companies.
Now we will give the driver from the first rate comparison a claim surcharge, less-than-perfect credit, and a traffic citation. Due to the fact that every auto insurer has a different process for determining prices, getting updated rate quotes will most likely result in a significantly different list of the cheapest car insurance companies in San Jose as shown below.
Grange now has the cheapest insurance rate in San Jose, CA with Mercury, Allied, Progressive, and Allstate also being competitive. This example illustrates why it is critical to compare lots of rates when trying to find the most budget-friendly auto insurance rates for a Toyota RAV4.
Auto insurance prices can be altered by many factors and can change without notice, so the most economical option the last time you shopped your coverage around may now be priced much higher than other options.
If you have coverage questions and would like to have a consultation when shopping for the best coverage for a RAV4, the agents below are a good start to help you determine which coverages and limits you need. To locate a San Jose auto insurance agent close to where you live, click the link after the list or click here to compare price quotes.
- Doug Kim – State Farm Insurance Agent
1361 S Winchester Blvd #107 – San Jose, CA 95128 – (408) 370-2008 - Burch Boehner – State Farm Insurance Agent
201 E Taylor St #2 – San Jose, CA 95112 – (408) 287-8190 - Beatriz Quezada – State Farm Insurance Agent
441 N 1st St – San Jose, CA 95112 – (408) 295-7000 - Allstate Insurance: David Tofig
6116 Camino Verde Dr Ste 9 – San Jose, CA 95119 – (408) 281-9190