Finding affordable coverage for a Toyota RAV4 in California depends on a lot of things such as your age, if you are a frequent claim filer, and physical damage deductibles. California drivers pay around $1,201 a year for RAV4 insurance, but that cost is an estimation based on a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
It’s more than likely you are not 50 and maybe not even a female, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Just a minor difference in the criteria used to calculate rates may result in significant differences in the cost of a policy.
This demonstrates why the best way to find the cheapest insurance price for your Toyota is to compare as many rates as possible. Do a quick rate comparison now and you will be able to see rates from the best auto insurance companies that offer coverage in California.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 Sport 2WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 4WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 Limited 2WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 Limited 4WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 Limited 4WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| RAV4 Sport 4WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in garaging location in Los Angeles which can raise or lower premium rates greatly.
Selecting the right company is difficult considering how many companies there are in Los Angeles. The company information in the lists below may help you analyze which car insurance providers to look at when trying find the best insurance for a Toyota RAV4.
These rankings are for large nationwide companies, so smaller companies are not taken into consideration for these rankings. To view rates and find the cheapest rates for a Toyota RAV4, click this link.
Top 10 Large Auto Insurance Companies Overall in Los Angeles
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Types of discounts on Los Angeles auto insurance rates
Insurance companies that provide policies for a Toyota RAV4 could also offer discounts that could potentially reduce rates by as much as 35% or more if you are eligible for them. The best car insurance companies and their possible discounts are included below.
- Farm Bureau may have discounts that include safe driver, 55 and retired, driver training, good student, multi-vehicle, youthful driver, and multi-policy.
- MetLife offers discounts for good student, multi-policy, defensive driver, accident-free, and good driver.
- Progressive offers premium reductions for multi-policy, online quote discount, homeowner, online signing, multi-vehicle, and continuous coverage.
- AAA may include discounts for education and occupation, good driver, multi-car, pay-in-full, anti-theft, and AAA membership discount.
- American Family may offer discounts for air bags, multi-vehicle, mySafetyValet, good driver, and Steer into Savings.
- GEICO includes discounts for anti-theft, air bags, daytime running lights, seat belt use, defensive driver, and membership and employees.
- State Farm has discounts for multiple policy, Steer Clear safe driver discount, student away at school, safe vehicle, good driver, and anti-theft.
The chart below compares insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, marriage, multiple vehicle, defensive driving course, claim-free, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a Toyota RAV4 is 28% or $585.
Why you should shop around for RAV4 insurance
California car insurance rates are impacted by many things that control your annual premium. Improving your credit score, marrying your spouse, or getting into an accident may cause policy rate changes that may make certain companies affordable when they were higher priced.
Also, insurers file new rates at least once a year in order to protect their financial rating. An extended period of higher than normal claims may result in price increases, while better underwriting may cause lower-priced RAV4 insurance rates.
As an example, the graph below shows rates for the cheapest car insurance in Los Angeles, CA for a 40-year-old male driver with no accidents or violations, and good financial standing. If we estimate rates based on his personal profile, USAA quotes the most affordable car insurance rates in Los Angeles at $1,780 annually. This is $129 more than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the cheapest Los Angeles, CA auto insurance companies.
In this example, we will give the driver from the first rate comparison a claim or two, slightly worse credit, and an imperfect driving record. Due to the fact that each insurance company has a unique approach for determining rates in each state, getting updated rate quotes may now result in a different set of the cheapest car insurance companies in Los Angeles as shown below.
Grange now has the cheapest rate in Los Angeles with Progressive, GEICO, Mercury, and Allstate also being competitive. This shows why drivers need to spend some time comparing rates when trying to get cheap insurance rates for a Toyota RAV4. Auto insurance prices are impacted by many things and change dramatically, so the best option the last time you checked may now not even be in the top five.