How Much is Insurance for a Toyota RAV4 in Texas?

Your chances of buying affordable car insurance for a Toyota RAV4 in Texas relies on many different factors like age of the driver, if you have a coverage lapse, and driving violations and tickets. Texas drivers pay on average $1,000 annually to insure their RAV4, but that figure is an estimation using rate data for a 40-year-old married female driver that included full physical damage coverage and $500 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not a 40-year-old female, maybe you are single instead of married, or possibly you just want cheap liability coverage. Everone’s needs are different, and this illustrates why the only real way to find the cheapest rates for your Toyota is to just take the time to do a thorough rate comparison.

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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Texas which can alter auto insurance rates substantially.

Shopping around for low-priced car insurance is not the easiest thing to accomplish, and finding out which companies offer the best insurance rates for a Toyota RAV4 requires even more diligence.

Each insurance company uses their own method to set premium rates, so to begin we’ll rank the insurance companies with the most affordable rates in Texas.

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Travelers may have some of the cheapest car insurance rates in Texas at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the more affordable Texas auto insurance companies.

In this example, if you are insured with Esurance and switched to USAA, you might realize savings of in the vicinity of $323. Insureds with California Casualty might save as much as $340 a year, and Mercury policyholders might realize rate reductions of up to $392 a year.

It’s important to note that these premiums are averages for all insureds and vehicles and and are not calculated with a specific rating modification for a Toyota RAV4. So the auto insurance company that fits your situation best may not even be shown in the list of companies above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.

Types of discounts on Texas auto insurance rates

Auto insurance companies that offer cheap insurance for a Toyota RAV4 in Texas may also give you special discounts that could lower prices by 30% or more if you qualify. Companies and the discounts they provide are shown below.

• Farm Bureau policyholders can earn discounts including youthful driver, driver training, multi-vehicle, safe driver, good student, and 55 and retired.
• MetLife may have discounts that include defensive driver, claim-free, good driver, accident-free, multi-policy, good student
• Progressive may include discounts for multi-vehicle, multi-policy, good student, online quote discount, online signing, homeowner, and continuous coverage.
• AAA offers premium reductions for AAA membership discount, education and occupation, multi-policy, multi-car, and good driver.
• American Family may offer discounts for mySafetyValet, Steer into Savings, good driver, air bags, accident-free, and good student.
• GEICO discounts include anti-lock brakes, federal employee, military active duty, multi-vehicle, and air bags.
• State Farm has savings for Drive Safe & Save, multiple autos, accident-free, Steer Clear safe driver discount, good driver, and passive restraint.

The illustration below shows the comparison of annual premium costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, multiple vehicle, accident-free, marriage, safe-driver, and defensive driving course discounts applied. When taking advantage of discounts, the the average amount saved on insurance for a Toyota RAV4 is 28% or $591.

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Progressive, State Farm, Geico, and Allstate compared

When comparing insurance for a RAV4, the most popular companies are Progressive, State Farm, Geico, and Allstate. All offer liability and physical damage insurance, but each one has slightly different coverages and options that buyers can select from. The following table ranks some of the different options you can buy with each company.