Finding the best cheap car insurance for a Toyota RAV4 in California depends on a lot of different factors such as annual vehicle mileage, where your vehicle is garaged, and citations on your driving record. Drivers in California pay around $1,538 annually to insure their RAV4, but that figure is a projection based on a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
It’s highly likely you may not be 40 years old (or even female), maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Different coverage needs are the reason why the only real way to find the cheapest rates for your Toyota is to compare as many rates as possible. It only takes a couple of minutes and you can get prices from the best auto insurance companies that sell coverage in California.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Sport 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 2WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Limited 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| RAV4 Sport 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific zip code location which can affect price quotes noticeably.
Selecting a highly-rated insurance provider can be rather challenging considering how many choices there are in California. The rank data in the lists below may help you select which car insurance providers to look at when shopping car insurance rates for a Toyota RAV4.
These rankings are only comprised of the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for this list. To compare prices from these and other competitive companies, click here.
Top 10 Large Auto Insurance Companies Overall in Oakland
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Full coverage rates vs. liability-only in Oakland
Finding cheaper insurance is the goal of most drivers, and one common way to find cheaper insurance for a Toyota RAV4 is to only buy liability insurance. The information below illustrates the difference between car insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.
As an average, comp and collision coverage costs an extra $2,458 per year more than just buying liability insurance. Many drivers will wonder if full coverage is worth the money. There is no clear-cut formula of when to drop full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
There are a few cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Why are you paying too much for RAV4 insurance?
Oakland, CA insurance rates are impacted by many factors that control the price you pay. Simply improving your credit, increasing liability limits, or getting a driving violation can trigger changes in premium that may make certain companies more affordable than before. Not only may your risk profile change, but insurers change rates every year or even multiple times each year to reflect underwriting profits or losses. Heavy losses may cause rate increases, while a better loss history can result in lower-priced RAV4 insurance rates.
As an example, the data below compares the cheapest car insurance in Oakland, CA for a 30-year-old female driver with no prior claims, no tickets, and a good credit rating. If we look at prices based on her current rating profile, USAA may offer the best car insurance rates in Oakland at $1,531 annually. This is $120 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the most affordable Oakland, CA auto insurance companies.
Now we will give the driver from the first example a couple of claims, bad credit, and an imperfect driving record. Since each company has their own process to establish rates, comparing insurance quotes could now result in a completely different list of the cheapest Oakland car insurance companies as shown below.
Grange now has the cheapest auto insurance in Oakland with Mercury, Allstate, Allied, and Progressive now rounding out the top five. This example demonstrates why it is important to do a thorough rate comparison to get the most budget-friendly insurance rates for a Toyota RAV4. Prices consist of many factors and can change without notice, so the cheapest company the last time you compared rates may now be one of the more expensive options.