Buying the cheapest coverage for a Toyota RAV4 in Virginia is dependent upon many factors such as your financial responsibility, whether you are claim-free, and your policy deductibles. Drivers in Virginia pay around $744 annually for RAV4 insurance, but that price is calculated using a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
But there is a high likelihood that you are not 40 years old and maybe not even male, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest coverage for your Toyota is to compare as many rates as you can. In just a couple of minutes you will receive price comparisons from some of the best insurers that insure vehicles in Virginia.
Compare Toyota RAV4 Insurance Rates
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 Sport 2WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 4WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 Limited 2WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 Limited 4WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 Limited 4WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
| RAV4 Sport 4WD | $180 | $308 | $266 | $16 | $80 | $850 | $71 |
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location information which can modify coverage prices substantially.
Virginia auto insurance companies ranked
Insuring your vehicle with a good quality company is hard considering how many choices there are in Virginia Beach. The information in the next section can help you analyze which providers to look at comparing rate quotes with. The rankings below are for companies that insure vehicles across America, so smaller regional companies are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
The example below highlights how deductible choice can impact insurance prices when researching cheap insurance for a Toyota RAV4. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $368 by using a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save $620 or more by choosing a higher deductible. When raising deductibles, it is essential to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to get discounts on Virginia Beach auto insurance
Insurance providers that sell policies for a Toyota RAV4 may provide premium discounts that can reduce rates by as much as 35% if you meet the requirements. A few of the larger companies and their possible discounts are:
- American Family has savings for Steer into Savings, good driver, defensive driver, mySafetyValet, and TimeAway discount.
- State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, student away at school, good student, multiple policy, driver’s education, and multiple autos.
- 21st Century may include discounts for anti-lock brakes, theft prevention, defensive driver, air bags, teen driver, and student driver.
- Travelers policyholders can earn discounts including save driver, multi-car, driver training, early quote, and hybrid/electric vehicle.
- GEICO may have discounts that include good student, military active duty, seat belt use, anti-theft, defensive driver, and federal employee.
The chart below compares insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, vehicle safety, homeowner, multiple policy, accident-free, and defensive driving course discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for a Toyota RAV4 is 28% or $380.
Why you are probably overpaying for RAV4 insurance
Virginia auto insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Turning one year older, buying a different vehicle, or having an at-fault accident can produce rate changes that can now make some companies cheaper than competitors.
Also, insurance companies modify rates multiple times each year to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can result in increased rates, while a lower level of claims may result in cheaper RAV4 insurance rates.
The chart below shows which company has the cheapest car insurance in Virginia Beach, VA for a 35-year-old male driver with no accidents, a clean driving record, and good credit. When quoting prices based on his personal risk profile, Travelers might quote the cheapest car insurance rates in Virginia Beach at $788 each year. This is $370 less than the average premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Erie also make the list of the best Virginia Beach, VA auto insurance companies.
The example below compares rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a couple of points charged on his driving record. Because each insurer uses their own calculation to determine rates, comparing prices may now result in a new list of companies as shown below.
The Hartford now has the cheapest price in Virginia Beach, VA with Auto-Owners, Virginia Farm Bureau, Donegal Mutual, and Nationwide also being competitive. This example shows why it is critical to compare many different companies when trying to get the most affordable car insurance quotes for a Toyota RAV4. Rates are calculated by many factors and can increase or decrease at any time, so the most affordable company the last time you shopped around may now be an over-priced policy.
How to find economical car insurance for a Toyota RAV4
The list below details many penny-pinching suggestions that can help Virginia drivers quote cheaper car insurance.
- Drive attentively and avoid accidents
- Vehicles with good safety ratings have lower liability rates
- Increase your credit rating
- Increase your deductibles
- Avoid getting citations and tickets
- Comparison shop frequently
The last tip is certainly necessary, as we hit on in this article. Insurance prices in Virginia Beach can change in a short period of time, so don’t be hesitant to switch to a new company if a better rate can be found.
Staying with the same car insurance company is fine, but is isn’t recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. Take a couple minutes and shop around to find cheaper auto insurance for a Toyota RAV4.