Finding economical car insurance for a Toyota RAV4 is dependent upon many rating criteria such as how old the RAV4 is, the likelihood of your vehicle being stolen, and driving violations. Drivers pay approximately $1,346 a year for RAV4 insurance, but that figure is an estimate calculated based on a 50-year-old single female driver with full coverage and $250 deductibles.
It’s highly likely you may not be 50 years old (or even female), maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Just a minor difference in rating variables or coverage information could result in a significant change in rates.
This illustrates why the best way to find the cheapest insurance price for your Toyota is to do a thorough rate comparison.
Compare Toyota RAV4 Insurance Rates
| 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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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in garaging location in San Francisco which can raise or lower prices considerably.
Buying coverage from a highly-rated insurance provider can be difficult considering how many companies sell insurance in California. The company rank data shown next could help you select which providers you want to consider when looking for cheaper rates. These ratings include companies that write coverage in many states, so companies without a large exposure are not included in the list.
Top 10 Major Auto Insurance Providers in San Francisco Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurance Providers in San Francisco Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Safe drivers San Francisco pay cheaper rates
The common sense way to get cheap insurance prices in San Francisco for a RAV4 is to be a cautious driver and avoid accidents and traffic citations. The illustration below illustrates how violations and accident claims can impact insurance premiums for each age group. The data is based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in San Francisco per year with no violations or accidents is $1,675. Get two speeding tickets and the average cost jumps to $2,369, an increase of $695 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for a Toyota RAV4 goes up to an average of $3,077. That’s an increase of $1,402, or $117 per month, just for being a careless driver!
The example below demonstrates how deductibles can change insurance premiums when searching for cheap insurance for a Toyota RAV4. The price estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could pocket $370 a year by increasing from a $100 deductible to a $500 deductible, or save $556 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could potentially save $1,230 every year just by choosing larger deductibles. When increasing deductibles, it is a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
How to get discounts on San Francisco insurance rates
Insurers that offer quotes for a Toyota RAV4 may also offer special discounts that could lower prices by as much as 35% if you can meet the requirements. Popular insurance companies and a selection of discounts can be found below.
- Esurance policyholders can earn discounts including defensive driver, online quote, Switch & Save, multi-policy, Pac-12 alumni, and paid-in-full.
- The Hartford offers discounts including driver training, defensive driver, bundle, anti-theft, vehicle fuel type, and good student.
- AAA offers premium reductions for multi-policy, AAA membership discount, good driver, good student, and multi-car.
- GEICO includes discounts for federal employee, good student, driver training, defensive driver, membership and employees, and daytime running lights.
- State Farm discounts include multiple policy, accident-free, safe vehicle, anti-theft, and good driver.
The example below illustrates the difference between insurance premiums with and without discounts applied to the policy rates. The data is based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, multiple policy, accident-free, defensive driving course, and claim-free discounts applied. When these discounts are applied, the average amount saved each year on insurance for a Toyota RAV4 is 28% or $614.