What Insurance is Cheapest for a Toyota RAV4 in Riverside?

Buying the cheapest insurance for a Toyota RAV4 in California hinges on many rating criteria such as how you use your RAV4, if you have a tendency to file claims, and your policy deductibles. Drivers pay on average $1,346 per year to insure their RAV4, but that is based on a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

If we were betting, you may not be 50 years old (or even female), you might be married instead of single, and you don’t want the same coverages and limits as the example. Auto insurance requires individual risk assessment, so the only way to find the most affordable coverage for your Toyota is to compare rates from as many companies as possible.

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Toyota RAV4 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 Sport 2WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 4WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 Limited 2WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 Limited 4WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 Limited 4WD $294 $564 $500 $30 $150 $1,538 $128
RAV4 Sport 4WD $294 $564 $500 $30 $150 $1,538 $128
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in Riverside location which can increase or decrease prices significantly.

Figuring out which company quotes the cheapest insurance rates for a Toyota RAV4 takes a tad more effort in order to find the best policy.

Each insurer has their own unique process to set policy rates, so we’ll take a look at the most affordable insurance companies in Riverside, CA. It’s important that readers know that California insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Simply improving your credit, moving to a new city, or getting a reckless driving citation may cause policy rate changes that can now make some companies cheaper than before.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,477
8 Progressive $1,496
9 GEICO $1,513
10 Allstate $1,543
11 Mercury $1,548
12 Allied $1,556
13 MetLife $1,590
14 The Hartford $1,623
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,688
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,946
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USAA offers some of the most affordable car insurance rates in Riverside at around $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the cheaper Riverside, CA auto insurance companies.

As the example above demonstrates, if you have coverage with Century National and switched to USAA, you could realize an annual savings of upwards of $35. California drivers with CSAA might save as much as $43 a year, and Nationwide policyholders might lower prices by up to $107 a year.

If you would like to find cheaper car insurance rates, click here to start a quote or quote rates from the companies below.

Remember that these prices are averages for all drivers and vehicles in California and do not factor in a specific vehicle garaging location for a Toyota RAV4. So the company that fits your age and vehicle best may not even be in the top 24 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The illustration below illustrates how your deductible choice can impact premium costs when trying to find cheap insurance for a Toyota RAV4. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could lower their policy premium by $436 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $656 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could roll back prices $1,432 or more by choosing a higher deductible. If you do make the decision to raise your deductibles, it will be required to have enough savings to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Here’s why you should compare rates often

Riverside, CA insurance rates are impacted by many factors that can increase the cost of a policy. Simply having a birthday, buying a home, or getting a couple of tickets can trigger changes in premium that may make certain companies cheaper than competitors.

Not only that, but auto insurance companies file new rates as often as every quarter to help ensure profitability. A period of higher than normal claims may cause a rate increase, while less frequent claims can result in more affordable RAV4 insurance rates.

To illustrate this example, the data below analyzes the cheapest car insurance in Riverside, CA for a 30-year-old male driver with a clean driving record, no accidents, and good financial standing. If we compare prices based on his current rating profile, USAA might quote the best car insurance rates in Riverside at $1,318 annually. This is $333 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the best Riverside, CA auto insurance companies.

Now let’s give the driver from the first rate comparison a chargeable claim, a lower credit rating, and a traffic citation. Since every insurance provider has a different formula to determine rates, comparing quotes may result in a different set of affordable companies as shown below.

Grange now has the cheapest price in Riverside with Mercury, Progressive, Allstate, and Allied now rounding out the top five. This example shows why it is important to compare lots of rates when trying to find the lowest auto insurance quotes for a Toyota RAV4.

Auto insurance prices are impacted by many factors and change frequently, so the cheapest company two years ago may now be an over-priced policy.

Tips for finding more affordable auto insurance for a Toyota RAV4

The list below shows some of the better money-saving solutions that can help Riverside drivers quote cheap coverage.

The last tip is particularly necessary, as we hit on in this write-up. Coverage prices adjust frequently, so don’t be unwilling to buy from a different company if a more affordable rate is found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you lots of hard earned cash every month. Take a couple minutes and compare prices to find cheaper auto insurance for a Toyota RAV4 in Riverside.

The insurance agents in Riverside listed below can most likely help you make a decision which auto insurance policy would work best for you, as some drivers wish to get some help when shopping for cheaper insurance for a RAV4. It can be hard to do it yourself, and insurance agents can bring satisfaction knowing you have adequate protection in the event of a claim. To find an agent closest to you, click the button at the bottom.

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