Who Has the Cheapest Insurance Quotes for a Toyota RAV4 in North Dakota?

When writing about auto insurance, the words “affordable” or “cheap” really should not be used anywhere in the article. Excuse the oxymoron, but cheap auto insurance for a Toyota RAV4 is not always easy to find. But don’t let that discourage you, because we can show you some ways you can find and buy auto insurance that won’t break the bank.

Your odds of finding the cheapest car insurance for a Toyota RAV4 in North Dakota is dependent upon lots of different rating factors like how you use your vehicle, the condition of your credit, and deductibles for comprehensive and collision coverage. North Dakota drivers on average will pay $960 every 12 months for RAV4 insurance, but that price is an estimation that uses a 40-year-old married male that wants both comprehensive and collision coverage and $100 deductibles.

But there is a high probability that you aren’t exactly 40 years old or even a male, single instead of married, and there is a good chance that there are other drivers on your policy. Using even a minor difference in rating variables could end up in a significant change in the cost of insurance for a Toyota RAV4.

Having different needs demonstrates why the most reliable way to find affordable rates for your Toyota is to just take the time to compare rates yourself. Quotes only take a couple of minutes and you will receive prices from some of the best companies that offer coverage in North Dakota.

Compare Toyota RAV4 Insurance Rates

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can alter rates substantially.

Figuring out which companies have the lowest-priced auto insurance rates for a Toyota RAV4 will take a little more sweat in order to find the most economical policy. Every car insurance company used slightly different criteria to set policy rates, so let’s examine the most competitive auto insurance companies in North Dakota.

It’s important to know that North Dakota auto insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. Simply getting older, getting divorced, or having an at-fault accident can cause premium changes resulting in some companies being more affordable than before.

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USAA offers some of the best car insurance rates in North Dakota at around $732 annually. Allied, Nodak Mutual, Grinnell, and Safeco also rank well as some of the most economical North Dakota car insurance companies.

As illustrated above, if you are insured with Allied and switched to USAA, you might realize savings of approxmiately $162. Insureds with Nodak Mutual could save as much as $186 a year, and Grinnell policyholders might see rate reductions of $307 a year.

Remember that these prices are averaged for all drivers and vehicles and and are not figured with a specific rating modification for a Toyota RAV4. So the company that can offer you the lowest price may not even be shown in the chart above. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.

Careless drivers pay higher rates

In a perfect world, the best way to find affordable auto insurance premiums in North Dakota for a RAV4 is to be a safe driver and not have accidents or get tickets. The information below shows how speeding tickets and fender-benders can influence auto insurance costs for each different age group. The costs are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2559,3035,5023],[‘Age 30’, 1347,1825,3813],[‘Age 40’, 1313,1787,3777],[‘Age 50’, 1201,1679,3667],[‘Age 60’, 1167,1641,3629],[‘Age 70’, 1451,1929,3917]]);var options = {title: ‘Impact of Tickets and Accidents on North Dakota 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 North Dakota’,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);}

The data in the chart shows the average cost of a car insurance policy in North Dakota per year with no accidents and a clean driving record is $1,506. Add in two speeding tickets and the average cost surges to $1,983, an increase of $476 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Toyota RAV4 increases to an average of $3,971. That’s an increase of $2,465, or $205 per month, just for not driving responsibly!

Shop around and save

North Dakota auto insurance rates are based on many factors that may substantially change the cost of a policy. Turning one year older, buying a home instead of renting, or getting a couple of tickets can produce rate changes resulting in some companies being cheaper than before.

Not only may your risk profile change, but companies change premium rates as often as every three months to reflect underwriting profits or losses. Significantly higher claims can result in rate hikes, while lower claim levels may cause lower-priced RAV4 insurance rates.

For instance, the graph below analyzes the cheapest car insurance in North Dakota for a 40-year-old male driver with a clear driving record, no claims, and solid credit. Based on his current risk profile, USAA may offer the most affordable car insurance rates in North Dakota at $725 each year. This is $937 less than the average rate paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and Safeco are also included in the cheapest North Dakota auto insurance companies.

google.charts.setOnLoadCallback(drawNDWitcqcibChart);function drawNDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 725, ‘#528E00’],[‘Allied’, 912, ‘#447600’],[‘Nodak Mutual’, 946, ‘#386200’],[‘Grinnell’, 1070, ‘#2E5100’],[‘Safeco’, 1122, ‘#264300’]]);var options = {title: ‘Best Cheap Car Insurance for a Toyota RAV4’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1222,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver from the first rate comparison an at-fault accident, a lower credit score, and a stop sign violation. Because every insurance company has a unique formula to establish rates, comparing quotes may now show a significantly different list of cheap North Dakota auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawNDWcqcibChart);function drawNDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Allied’, 1368, ‘#C77F00’],[‘Nodak Mutual’, 1419, ‘#A56900’],[‘Progressive’, 1423.4, ‘#895700’],[‘State Auto’, 1488.3, ‘#724800’],[‘Auto-Owners’, 1547.7, ‘#5F3C00’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1647.7,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Allied now has the cheapest rate in North Dakota with Nodak Mutual, Progressive, State Auto, and Auto-Owners also having competitive pricing. This example illustrates why North Dakota drivers need to take the time to shop around when trying to get cheap insurance quotes for a Toyota RAV4.

Auto insurance prices consist of many factors and can decrease or increase without notice, so the best price six months ago may now be quite expensive.

How to find the cheapest insurance for a Toyota RAV4 in North Dakota

The list below shows a few money-saving ideas that can help you find lower-cost car insurance.

• Drive safe vehicles
• Keep your driving record clean
• Improve your credit
• If possible, pay for small claims out-of-pocket
• Avoid accidents and claims
• Compare prices as often as possible

The last idea is very vital, as we stressed in this write-up. Car insurance prices fluctuate constantly, so don’t be tentative to buy from a new company if a more affordable price is available. Staying with the same company for years is fine, but it isn’t a good idea if it’s costing you hundreds of dollars year after year. Now is a great time to compare rates to find cheaper auto insurance for a Toyota RAV4.