Finding the cheapest auto insurance for a Toyota RAV4 in California depends on a large number of factors such as the safety rating for your RAV4, if you have a tendency to file claims, and the level of deductible you choose. California drivers will pay around $1,500 each year for RAV4 insurance, but that is an approximation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
This brings up the issue that more than likely you may not be 50 years old (or even male), married instead of single, or maybe you don’t qualify for the same discounts. Not everyone needs the same coverages, so the only real way to find the cheapest coverage for your Toyota is to compare as many rates as you can. Do a quick rate comparison now and you will receive price comparisons from the cheapest companies that offer coverage in California.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 Sport 2WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 4WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 Limited 2WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 Limited 4WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 Limited 4WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| RAV4 Sport 4WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can modify insurance rates noticeably.
Finding a highly-rated insurance company can be rather challenging considering how many choices there are in Chula Vista. The ranking information listed below may help you analyze which insurers to look at comparing rates from. The ratings below include the largest auto insurers in America, so companies that focus mainly on California business will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Illustration showing the impact of accidents and violations
One of the best ways to obtain cheap insurance prices in Chula Vista for a RAV4 is to drive carefully and avoid tickets and accidents. The example below demonstrates how citations and accidents impact annual premium costs for different categories of driver ages. The premiums assume a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The chart shows that the average cost of auto insurance in California per year with no accidents or violations is $2,458. Get one speeding ticket and the average cost jumps to $2,773, an increase of $315 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for a Toyota RAV4 increases to an average of $5,597. That’s an increase of $3,138, or $262 per month, just for not driving carefully!
The information below shows how choosing a deductible can raise or lower premium costs when searching for cheap insurance for a Toyota RAV4. The costs are based on a single female driver, full coverage, and no policy discounts are applied.
The data above shows that a 50-year-old driver could reduce rates by $420 a year by changing from a $100 deductible to a $500 deductible, or save $632 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave up to $1,068 each year just by choosing larger deductibles.
When choosing a higher deductible, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Full coverage versus liability only rates
Lowering the price of insurance should be important to most drivers, and a good way to buy cheap insurance for a Toyota RAV4 is to buy liability only. The example below illustrates the difference between auto insurance rates when comparing full coverage to liability only. The information is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are factored in.
On average, comp and collision coverage costs an additional $2,998 per year over liability only. That brings up the question when is the right time to remove full coverage. There is no exact rule to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your vehicle’s replacement cost is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,500 after paying the physical damage deductible. If you are paying in excess of $750 a year for full coverage, then it might be time to buy liability only.
There are some circumstances where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.