How Much are Insurance Quotes for a Toyota RAV4 in South Carolina?

The likelihood of finding the cheapest coverage for a Toyota RAV4 in South Carolina depends upon things such as your date of birth, the likelihood of vehicle theft, and citations or violations on your driving record. Drivers pay an average of $1,020 annually to insure a RAV4, but that is based on rate data for a 30-year-old married female that included full comprehensive and collision coverage and $250 policy deductibles.

That rate won’t apply to everyone, because more than likely you may not be 30 years old (or even female), single instead of married, and you need different coverage limits than the sample rates. Everyone has different rating factors, so the only real way to find the most affordable coverage for your Toyota is to do your own rate comparisons.

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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in your specific South Carolina location which can alter coverage rates substantially.

Shopping around for reasonably-priced auto insurance is tough enough, and deciding which company offers the cheapest insurance rates for a Toyota RAV4 involves a bit more work. Each company uses a little different formula to establish rates, so we’ll take a look at the overall cheapest insurance companies in South Carolina.

Keep in mind that South Carolina insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Improving your credit rating, having a teen driver, or getting a ticket for running a stop sign can produce rate changes that may make certain companies more affordable than before.

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The Hartford may have some of the lowest car insurance rates in South Carolina at around $775 each year. USAA, Auto-Owners, State Auto, and Southern Farm Bureau are also some of the cheaper South Carolina insurance companies.

As the example above demonstrates, if you are a customer of State Auto and switched to The Hartford, you might achieve an annual premium reduction of in the vicinity of $352. Insureds with Southern Farm Bureau may save as much as $473 a year, and SC Farm Bureau Mutual customers might lower prices by up to $523 a year.

To compare your rates to other South Carolina insurance companies, click here or click several companies below for low rates.

These rates are averages for all insureds and vehicles and and are not calculated with a specific rate factor for a Toyota RAV4. So the company that is most affordable for your situation may not even be featured in the list of companies above. That’s why you need to compare rates from multiple companies using your own individual information.

The chart below shows how different deductible levels can change premium costs when trying to find cheap insurance for a Toyota RAV4. The information is based on a single female driver, comp and collision included, and no discounts are applied.

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A 30-year-old driver could cut expenses by $370 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $558 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could shave as much as $824 each year by selecting a higher deductible. If you do make the decision to raise your deductibles, it will be important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Cheapest car insurance: Allstate, Geico, State Farm, or Progressive

When it comes to insurance for a RAV4 in South Carolina, some of the largest companies to start with are Allstate, Geico, State Farm, and Progressive. All four offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that may affect your buying decision. The following table ranks price, claims, and customer service ratings, as well as some optional coverages that may be available in South Carolina.