How Much Does Insurance Cost for a Toyota RAV4 in Alabama?

How Much Does Insurance Cost for a Toyota RAV4 in Alabama?

Your chances of buying cheaper auto insurance for a Toyota RAV4 in Alabama depends on a whole bunch of rating criteria such as if you have purchased a home, if you have maintained coverage continuously, and if your driving record is clean. Drivers on average will pay $870 a year for RAV4 insurance, but that policy rate is a valuation assuming a 50-year-old married female with full coverage including both comprehensive and collision and $250 physical damage deductibles.

When projecting a rate like this, the problem is that you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you have a couple of speeding tickets. Having even a minor difference in rating factors can cause big changes in the cost of insurance for a Toyota RAV4.

There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap car insurance rates for your Toyota is to compare rates from as many companies as possible. Do a quick rate comparison now and you will receive rate quotes from top-rated companies in Alabama.

View Toyota RAV4 Insurance Rates

Toyota RAV4 Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $200 $364 $318 $18 $94 $994 $83
RAV4 Sport 2WD $200 $364 $318 $18 $94 $994 $83
RAV4 4WD $200 $364 $318 $18 $94 $994 $83
RAV4 Limited 2WD $200 $364 $318 $18 $94 $994 $83
RAV4 Limited 4WD $200 $364 $318 $18 $94 $994 $83
RAV4 Limited 4WD $200 $364 $318 $18 $94 $994 $83
RAV4 Sport 4WD $200 $364 $318 $18 $94 $994 $83
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location which can influence premium rates greatly.

Which car insurance company is best in Alabama?

Picking the highest-rated insurance provider can be challenging considering how many choices there are in Alabama. The company rank data below may help you select which providers to look at when shopping around. These ratings include the largest auto insurers in America, so companies that have a smaller presence are not included in this list.

Top Ten Car Insurance Companies in Alabama
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how different deductible levels can increase or decrease insurance premiums when getting quotes for cheap insurance for a Toyota RAV4. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could cut expenses by $320 a year by increasing from a $100 deductible up to a $500 deductible, or save $482 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could possibly save as much as $814 or more by using a higher deductible.

If you do decide to increase your deductibles, it is essential to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Get discount Alabama auto insurance rates

Discounts on car insurance for a Toyota RAV4Insurers that provide cheap insurance for a Toyota RAV4 in Alabama may also offer rate discounts that can reduce rates by 35% or more if you meet the requirements. Larger car insurance companies and a summarized list of policyholder discounts are detailed below.

Auto Insurance Discounts for Popular Insurance Companies
Discount State Farm Allstate Progressive Geico Nationwide Liberty Mutual Farmers
Multiple policies Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No Yes No
Air bags Yes Yes No Yes Yes Yes Yes
Newer vehicle Yes Yes No No Yes No Yes
Green vehicle No Yes No No No Yes Yes
Safe driver Yes Yes Yes Yes Yes No Yes
Defensive driver training Yes Yes Yes Yes Yes No Yes
Low mileage Yes Yes Yes No Yes Yes No
Military Yes No Yes Yes No No Yes
Affinity/occupation No No No Yes Yes Yes Yes
Full payment No Yes Yes Yes Yes Yes Yes
Automatic payment No Yes Yes Yes Yes Yes Yes
Customer loyalty Yes No Yes No Yes No Yes
Sign early No Yes No No Yes No Yes
Smart student Yes Yes Yes Yes Yes Yes Yes
Distant student Yes Yes Yes No Yes Yes Yes
Own a home No No Yes No No No Yes
Seat belt usage No No No Yes No No No
Get quote online No No Yes No No No No
Teenage driver No No Yes No No Yes No
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The information below shows the comparison of insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Alabama state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, multiple policy, multiple vehicle, vehicle safety, defensive driving course, and marriage discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Toyota RAV4 is % or $.