Buying affordable coverage for a Toyota RAV4 in Washington hinges on many rating criteria such as whether you own a home, whether you are claim-free, and driving citations. Drivers pay on average $917 per year for RAV4 insurance, but that cost is an estimate calculated using a 40-year-old single female driver with full physical damage coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 40-year-old female, married instead of single, or maybe you are just looking for cheap liability insurance. Even a slight difference in the criteria used to calculate rates could result in a significant change in the cost of a policy.
Different coverage needs are the reason why the only way to find the cheapest insurance price for your Toyota is to put in the effort to do a thorough rate comparison. Compare rate quotes now and you will receive rate quotes from top-rated companies around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 Sport 2WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 4WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 Limited 2WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 Limited 4WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 Limited 4WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| RAV4 Sport 4WD | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in Seattle location which can raise or lower prices considerably.
Comparing quotes for budget auto insurance is easier said than done, and finding out which insurers offer the cheapest auto insurance rates for a Toyota RAV4 may require even more diligence.
Every insurance provider uses slightly different criteria to determine rates, so let’s take a look at the most competitive auto insurance companies in Washington. It’s a good idea to be aware that Seattle, WA auto insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Turning one year older, becoming a homeowner, or having an accident may generate price changes that can make some companies more expensive than before.
Best Car Insurance Prices for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $813 |
| 3 | Nationwide | $952 |
| 4 | PEMCO | $964 |
| 5 | Mutual Enumclaw | $1,023 |
| 6 | Travelers | $1,038 |
| 7 | The Hartford | $1,048 |
| 8 | California Casualty | $1,072 |
| 9 | Chubb | $1,083 |
| 10 | USAA | $1,092 |
| 11 | State Farm | $1,141 |
| 12 | Allied | $1,142 |
| 13 | American Family | $1,172 |
| 14 | Amica | $1,206 |
| 15 | Safeco | $1,228 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,329 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,525 |
| 20 | GEICO | $1,656 |
| Find Your Rate Go | ||
Capital normally has some of the lowest car insurance rates in Seattle at around $784 annually. Grange, Nationwide, PEMCO, and Mutual Enumclaw would also make the list of some of the more affordable Seattle, WA auto insurance companies.
As shown above, if you currently have a policy with PEMCO and switched to Capital, you could earn yearly savings of approximately $180. Policyholders with Mutual Enumclaw may save as much as $239 a year, and Travelers insureds might cut rates by $254 a year.
To see if you’re overpaying, click here to begin a quote or click several companies below for low rates.
It’s important to note that these estimates are averages across all ages of drivers and types of vehicles and do not factor in a specific zip code for a Toyota RAV4. So the auto insurance company that has the lowest price for you may not even be in the top 25 companies shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
How accidents and tickets impact rates
The ideal way to enjoy the most affordable auto insurance prices in Seattle for a RAV4 is to drive safe and maintain a clean driving record. The diagram below highlights how traffic violations and at-fault accidents can increase auto insurance rates for each different age group. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Seattle per year with no accidents and a clean driving record is $1,649. Receive one speeding ticket and the average cost jumps to $1,859, an increase of $210 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for a Toyota RAV4 increases to an average of $3,742. That’s an increase of $2,093, or $174 per month, just for not driving attentively!
Last year’s bargain might be this year’s rip off
Seattle, WA auto insurance rates are based on many factors which can substantially change the cost of coverage. Simply turning a year older, increasing liability limits, or getting a few speeding tickets may generate price changes that can make some companies cheaper than competitors. Also, companies amend pricing every year or even multiple times each year to reflect underwriting profits or losses. An unexpected high level of claims can result in more expensive prices, while profitable underwriting may produce cheaper RAV4 insurance rates.
The data below shows rates for the cheapest car insurance in Seattle, WA for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. When quoting prices based on her current risk factors, Capital might offer the best car insurance rates in Seattle at $1,076 annually. This is $336 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the rest of the cheapest Seattle, WA auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a couple of claims, poor credit, and a few traffic violations. Due to the fact that every insurance company has a proprietary method for determining prices, comparing insurance quotes could now result in a substantially altered list of affordable companies as shown below.
The Hartford now has the cheapest price in Seattle, WA with California Casualty, USAA, Chubb, and State Farm completing the list. This example illustrates why it is critical to perform an extensive rate comparison to find the most economical auto insurance rates for a Toyota RAV4. Rates consist of many risk factors and can change without notice, so the best price when you last compared rates may now be quite expensive.
If you have questions and prefer to get some help when shopping for the best coverage for a RAV4, the professional agents shown below can probably help you decide which auto insurance policy would work best for you. To find an agent by location nearest to you, click the button below the list or click here to compare rates now.
- Jeffrey Taylor – State Farm Insurance Agent
4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 - Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747 - David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388