Finding economical coverage for a Toyota RAV4 hinges on many rating factors such as how many years you have been driving, the size of your vehicle, and any past driving violations you may have had. Drivers in Georgia will pay on average $1,244 a year to insure their RAV4, but that cost is an approximation calculated based on a 40-year-old married male driver with full coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old male, single instead of married, and maybe your RAV4 just needs liability-only coverage. Car insurance coverage is unique to each driver, so this is why the only way to find the cheapest coverage for your Toyota is to compare as many rates as possible. In just a few minutes you will get price quotes from the cheapest companies that insure vehicles in Georgia.
Find Cheaper Toyota RAV4 Insurance
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 Sport 2WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 4WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 Limited 2WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 Limited 4WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 Limited 4WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
| RAV4 Sport 4WD | $308 | $562 | $406 | $24 | $122 | $1,422 | $119 |
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in your specific Atlanta location which can revise auto insurance rates significantly.
Buying coverage from a highly-rated insurance company can be a challenge considering how many different insurance companies sell coverage in Georgia. The ranking information shown below can help you analyze which auto insurance companies to look at comparing rates from. The rankings below are only made up of large, nationwide insurance companies, so companies that may only write in Georgia will not be included in the list.
Top 10 Large Auto Insurance Companies in Atlanta Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurance Companies in Atlanta Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Price comparison of only insuring for liability
Paying a lower price for car insurance should be important to the majority of people, and one of the quickest ways to save on the cost of insurance for a Toyota RAV4 is to buy only liability coverage. The diagram below shows the comparison of annual premium costs with and without full coverage. The rate quotes are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged for all ages 20 through 70, physical damage insurance costs $2,445 per year more than just buying liability only. Many people question if buying full coverage is worth the money. There is no clear-cut rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
There are some conditions where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Irresponsible driving raises your rates
In a perfect world, the best way to obtain affordable car insurance rates in Atlanta for a RAV4 is to drive safe and avoid at-fault accidents and violations. The chart below shows how speeding tickets and accident claims influence car insurance costs for each different age group. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in Atlanta per year with no accidents or violations is $1,950. Factor in one speeding ticket and the average cost rises to $2,202, an increase of $251 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Toyota RAV4 increases to an average of $4,564. That’s an increase of $2,614, or $218 per month, just for not driving responsibly!
The information below illustrates how your choice of deductibles can impact insurance rates when searching for cheap insurance for a Toyota RAV4. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could reduce rates by $386 a year by switching from a $100 deductible to a $500 deductible, or save $582 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, have the ability to save as much as $1,276 each year just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have additional funds in a savings account to be able to cover the extra out-of-pocket expense that comes with higher deductibles.