Best Cheap Insurance for a Toyota RAV4 in Utah

The chances of buying affordable car insurance for a Toyota RAV4 in Utah is dependent upon things like whether you are a new or experienced driver, your credit rating, and if you have any chargeable driving offenses. Utah drivers on average pay around $740 each year to insure a RAV4, but that cost is a projection calculated based on a 30-year-old single male driver who purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

It’s more than likely that you are not a 30-year-old male, married instead of single, or maybe you have a couple of speeding tickets. Even a slight change in rating criteria or coverage limits can result in a big discrepancy in the coverage rate.

This example demonstrates why your best shot at finding the cheapest rates for your Toyota is to make a habit of regularly comparing rates from other companies. It only takes a couple of minutes and you will receive rate quotes from some of the cheapest companies around.

Cheapest Toyota RAV4 Insurance Rates

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can modify premium rates greatly.

Buying coverage from a high-quality insurance company can be a challenge considering how many companies provide coverage in Utah. The ranking data in the lists below may help you choose which coverage providers to look at when comparing rate quotes. The rankings below are for companies that insure vehicles nationwide, so smaller regional companies are not factored into the list.

Discount Utah insurance rates

Auto insurance companies that offer the best cheap insurance for a Toyota RAV4 in Utah may have special discounts that may potentially lower prices by as much as 30% if you meet specific criteria. Large car insurance companies and their offered discounts are:

The chart below illustrates the comparison of insurance prices with and without discounts being applied to the rates. The data is based on a female driver, no claims, a clean driving record, Utah state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, safe-driver, anti-theft, marriage, multiple vehicle, and claim-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Toyota RAV4 is 38% or $1,043.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2341,1683],[‘Age 30’, 1619,1175],[‘Age 40’, 1501,1089],[‘Age 50’, 1315,955],[‘Age 60’, 1271,923],[‘Age 70’, 1481,1069]]);var options = {title: ‘Insurance Rate Comparison for a Toyota RAV4’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The benefit of shopping around

Utah car insurance rates are impacted by many factors which can substantially change the price you have to pay. Simply turning a year older, increasing liability limits, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies more affordable than others.

Not only that, but car insurance companies file new Utah auto insurance rates as needed to help ensure profitability. An unexpected high level of claims can cause rate hikes, while profitable underwriting may result in lower-cost RAV4 insurance rates.

For instance, the chart below shows the cheapest car insurance in Utah for a 45-year-old female driver with a clean driving record, no accidents, and good financial standing. If we estimate prices based on her current rating profile, Bear River offers the most affordable car insurance rates in Utah at $572 a year. This is $674 less than the average price paid by Utah drivers of $1,246. USAA, Auto-Owners, American Family, and Farm Bureau Mutual round out the rest of the top five cheapest Utah auto insurance companies.

google.charts.setOnLoadCallback(drawUTWitcqcibChart);function drawUTWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Bear River’, 572, ‘#5E9216’],[‘USAA’, 767, ‘#4E7912’],[‘Auto-Owners’, 858, ‘#41640F’],[‘American Family’, 984, ‘#36530C’],[‘Farm Bureau Mutual’, 1026, ‘#2D450A’]]);var options = {title: ‘Best Car Insurance Rates 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:1126,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 next chart shows rates after we give the driver in the first chart a claim or two, a lower credit rating, and a few traffic violations. Since every insurance provider has a different formula to determine rates, comparing quotes could now result in a significantly different list of the cheapest Utah car insurance companies as shown below.

google.charts.setOnLoadCallback(drawUTWcqcibChart);function drawUTWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1137.4, ‘#FF8500’],[‘Safeco’, 1167.1, ‘#D46E00’],[‘Progressive’, 1193.5, ‘#B05B00’],[‘USAA’, 1227.2, ‘#924B00’],[‘Nationwide’, 1257.3, ‘#793E00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,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:1357.3,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);}

GEICO now has the cheapest price in Utah with Safeco, Progressive, USAA, and Nationwide now being in the top five. This shows why consumers need to compare many different companies to find cheap car insurance rates for a Toyota RAV4.

Rates can be determined by many factors and change frequently, so the best price when you bought your policy may now be costing you a lot of money.

How to find more affordable car insurance for a Toyota RAV4

It’s not impossible to find cheaper rates, and here are some penny-pinching ideas that can help Utah drivers get cheaper coverage.

• Do not file small claims
• Do not waste money insuring older vehicles for full coverage
• Bundle car and home insurance and save money
• Drivers with good credit ratings often pay less
• Higher deductibles mean lower rates
• Buy a safer vehicle
• Shop around for cheaper rates regularly

The last tip is remarkably significant, as was stressed in the article above. Car insurance prices in Utah fluctuate considerably, so don’t be unwilling to buy from a different company if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing several hundred dollars every year. Spend a few minutes and compare prices and find cheaper insurance for a Toyota RAV4.