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

Anytime the topic is car insurance, the word “cheap” shouldn’t be used anywhere in the article to describe car insurance rates. Nonetheless, cheap auto insurance for a Toyota RAV4 is not always easy to find. Don’t let that bother you, though, because we are going to show you some ways you can still find and buy coverage that doesn’t cost an arm and a leg.

Your chances of finding the cheapest coverage for a Toyota RAV4 in Washington depends upon a complicated rating formula that uses factors such as whether you are male or female, whether or not you are currently insured, and driving violations and tickets. Washington drivers pay an average of $680 per year for RAV4 insurance, but that price is an estimate based on rates for a 30-year-old married male who needs full coverage including both comprehensive and collision and $1,000 policy deductibles.

If we were betting, you are not 30 years old and maybe not even male, single instead of married, and you need different coverage limits than the sample rates. This shows why your best chance at finding cheap car insurance rates for your Toyota is to compare as many rates as you can.

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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in zip code location which can revise auto insurance rates significantly.

Shopping around for reasonably-priced insurance is hard enough, and figuring out which company quotes the best car insurance rates for a Toyota RAV4 takes even more diligence. Every insurance provider has a proprietary method to set their prices, so to begin we’ll rank the car insurance companies that tend to be cheaper in Washington.

It’s a good idea to know that Washington car insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Events such as a birthday, buying a home, or getting into an accident can cause premium changes that can cause some rates to be less affordable than competitors.

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Capital normally has some of the most affordable car insurance rates in Washington at around $754 annually. Grange, Nationwide, PEMCO, and Travelers are also some of the lowest-priced Washington auto insurance companies.

As shown above, if you are a customer of PEMCO and switched to Grange, you might achieve yearly savings of around $182. Insureds with Travelers may save as much as $206 a year, and USAA customers might see rate reductions of $238 a year.

If you want to see how much you could save, click here to start a quote or quote rates from the companies below.

Understand that those estimates are averaged across all insureds and vehicles and are not factoring in a specific rate value for a Toyota RAV4. So the auto insurance company that can offer the best rates for your situation may not even be shown in the list of companies shown earlier. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.

How accidents and tickets impact rates

The easiest method to get affordable car insurance premiums in Washington for a RAV4 is to be an attentive driver and not receive tickets or have accidents. The example below illustrates how speeding tickets and fender-benders raise car insurance rates for each different age category. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2091,2277,4051],[‘Age 30’, 1407,1597,3367],[‘Age 40’, 1319,1509,3277],[‘Age 50’, 1155,1343,3113],[‘Age 60’, 1113,1307,3077],[‘Age 70’, 1321,1507,3277]]);var options = {title: ‘Effect of Citations and Accidents on Washington Toyota RAV4 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4 in Washington’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy in Washington per year with a clean driving record and no accidents is $1,401. Add in one speeding ticket and the average cost jumps to $1,590, an increase of $189 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Toyota RAV4 goes up to an average of $3,360. That’s an increase of $1,959, or $163 per month, just for not driving safely!

The diagram below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for a Toyota RAV4. The information is based on a single male driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3449,3141,2807,2493],[‘Age 30’, 1783,1641,1475,1313],[‘Age 40’, 1771,1619,1445,1281],[‘Age 50’, 1609,1473,1317,1171],[‘Age 60’, 1557,1427,1279,1137],[‘Age 70’, 1887,1737,1573,1415]]);var options = {title: ‘Deductible Levels and Toyota RAV4 Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota RAV4’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower rates by $292 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $438 by using a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates up to $956 every year by selecting a higher deductible. If you do raise deductibles, it will be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find cheaper insurance for a Toyota RAV4

It is possible to find better rates, and here are some penny-pinching ideas that can help Washington drivers find cheaper coverage.

• Prevent rate increases by staying accident-free
• Safer vehicles cost less to insure
• Good credit scores may lower your rates
• Do not waste money insuring older vehicles for full coverage
• Buy your homeowners policy from the same company as your auto insurance
• Shop around for lower rates once a year

That last piece of advice is extraordinarily valuable, as was emphasized in the prior article. Auto insurance prices fluctuate considerably, so don’t be unwilling to buy a different policy if a cheaper rate is available.

Brand loyalty is great, but is isn’t recommended if that devotedness results in you overpaying money that could be spent on other things. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for a Toyota RAV4.