Buying competitive auto insurance for a Toyota RAV4 in California can be really easy, but it depends on a lot of different factors such as whether you use your RAV4 for business use, whether or not you garage your vehicle, and driving violations. California drivers will pay around $1,064 annually to insure their RAV4, but that price is an estimate using a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 50 years old and maybe not even female, married instead of single, and maybe you want higher deductibles. Having the smallest difference in rating criteria may result in a big change in the amount insurance costs for a Toyota RAV4.
Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest insurance price for your Toyota is to compare as many rates as possible. It’s really quite easy you will receive price comparisons from some of the cheapest companies that offer coverage in California.
Cheapest Toyota RAV4 Insurance Rates
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 Sport 2WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 Limited 2WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 Limited 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 Limited 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| RAV4 Sport 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can impact auto insurance rates significantly.
Trying to find cheap insurance is not easy, and deciding which companies quote the best car insurance rates for a Toyota RAV4 involves even more perseverance. Each insurance company has their own formula for determining rates, so we’ll go over the overall cheapest car insurance companies in California.
Find Cheaper Auto Insurance for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,503 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,542 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
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Wawanesa may have some of the cheapest car insurance rates in Bakersfield at around $1,146 annually. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced Bakersfield, CA car insurance companies.
In the rate table above, if you are insured with CSAA and switched to USAA, you may realize savings of about $43. Insureds with Nationwide may save as much as $108 a year, and 21st Century policyholders might see rate reductions of $170 a year.
It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and and are not calculated with a vehicle location for a Toyota RAV4. So the company that can offer you the best price may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.
Careless Bakersfield drivers pay higher rates
The common sense way to receive cheap car insurance rates in California for a RAV4 is to be a safe driver and have a clean driving record. The chart below illustrates how violations and at-fault collisions drive up insurance prices for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy in Bakersfield per year with no accidents or violations is $2,089. Receive one speeding ticket and the average cost increases to $2,371, an increase of $282 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Toyota RAV4 goes up to an average of $5,024. That’s an increase of $2,935, or $245 per month, just for being a less-than-perfect driver!
Get discount Bakersfield insurance
Car insurance companies that offer coverage for a Toyota RAV4 may additionally offer premium discounts that could lower prices by as much as 35% if you meet certain criteria. A list of car insurance companies and some of the premium reductions they offer are outlined below.
- Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, homeowner, and online signing.
- Farmers Insurance may have discounts that include pay in full, multi-car, homeowner, good student, mature driver, and youthful driver.
- Farm Bureau offers premium reductions for 55 and retired, youthful driver, renewal discount, multi-vehicle, and good student.
- State Farm offers discounts for Steer Clear safe driver discount, anti-theft, passive restraint, multiple policy, accident-free, and multiple autos.
- GEICO has savings for good student, anti-theft, membership and employees, anti-lock brakes, driver training, and seat belt use.
- SAFECO may include discounts for teen safety rewards, bundle discounts, teen safe driver, anti-lock brakes, and homeowner.
- Liberty Mutual discounts include hybrid vehicle, newly married, new graduate, new vehicle discount, multi-policy, and safety features.
The chart below illustrates the comparison of annual premium costs with and without discounts applied. The premiums are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, vehicle safety, multiple policy, marriage, accident-free, and anti-theft discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for a Toyota RAV4 is 28% or $762.
How much more does full coverage cost?
Finding cheaper car insurance is important to most people, and one good way to save on the cost of insurance for a Toyota RAV4 is to not buy full coverage. The example below shows the difference between insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or accidents, $100 deductibles, single marital status, and no discounts are factored in.
Averaged for all age groups, full coverage on your policy costs $2,998 per year more than buying just liability insurance. That is a significant amount which raises the question if it’s worth it to buy full coverage. There is no set rule of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
The professional agents shown below can probably help you determine which auto insurance policy would work best for you, since lots of people like to get some professional input when trying to find the best insurance rates for a Toyota RAV4. It can be complicated to find the best coverage yourself, and agents can give comfort knowing you have adequate asset protection. To locate a Bakersfield auto insurance agent nearest to you, click the button at the bottom of the list.
- Allstate Insurance: Ana M. Arreola
6649 Ming Ave – Bakersfield, CA 93309 – (661) 633-2633 - Baldwin Georgenton Insurance
4200 Truxtun Ave # 102 – Bakersfield, CA 93309 – (661) 327-8010 - Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200