Finding affordable insurance for a Toyota RAV4 in Florida can be pretty simple, but it is dependent upon lots of different rating factors such as the safety rating of your vehicle, your residence address, and driving violations and tickets. Drivers in Florida pay on average $980 per year to insure their RAV4, but that price is based on a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you are not 50 years old and maybe not even male, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Not everyone needs the same coverages, so the best method for finding the cheapest insurance price for your Toyota is to do the rate comparisons yourself.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 Sport 2WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 4WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 Limited 2WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 Limited 4WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 Limited 4WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| RAV4 Sport 4WD | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific garaging location which can increase or decrease rates substantially.
Figuring out which company has the lowest-priced auto insurance rates for a Toyota RAV4 will involve a little more work than just comparing rates from one or two companies. Every auto insurer uses a different method for determining rates in each state, so we will examine the auto insurance companies with the overall best prices in Jacksonville.
Lowest Insurance Price Quotes for Your Toyota
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Amica | $1,694 |
| 3 | Electric | $1,712 |
| 4 | Progressive | $1,793 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,945 |
| 8 | State Farm | $2,068 |
| 9 | Auto-Owners | $2,085 |
| 10 | Esurance | $2,102 |
| 11 | GEICO | $2,150 |
| 12 | Allstate | $2,388 |
| 13 | 21st Century | $2,445 |
| 14 | Windhaven Insurance | $2,653 |
| 15 | Safeco | $2,927 |
| 16 | Hanover | $2,934 |
| 17 | MetLife | $2,958 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,562 |
| 20 | Direct General | $4,062 |
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USAA offers some of the most affordable car insurance rates in Jacksonville at around $977 a year. This is $1,471 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also some of the best Jacksonville, FL car insurance companies.
As illustrated above, if you buy coverage from Progressive and switched to Amica, you may see a yearly savings of approximately $99. Insureds with Travelers may save as much as $194 a year, and Mercury policyholders might realize rate reductions of up to $220 a year.
Remember that these policy prices are averages across all types of insureds and vehicles and are not factoring in a vehicle location for a Toyota RAV4. So the auto insurance company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.
Careless driving habits raise auto insurance rates
A great way to earn affordable auto insurance prices in Florida for a RAV4 is to drive carefully and avoid tickets and accidents. The information below illustrates how violations and accidents impact auto insurance costs for different age groups. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy in Jacksonville per year with no accidents or violations is $1,755. Get two speeding tickets and the average cost swells to $2,410, an increase of $656 each year. Next add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Toyota RAV4 increases to an average of $5,149. That’s an increase of $3,395, or $283 per month, just for not driving safely!
Your low-price policy may be costing you money
Florida auto insurance rates are determined by lots of factors that may substantially change the price of your policy. Turning one year older, having a teenage driver, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be more affordable than others.
Also, companies change prices at least once a year as an adjustment for underwriting gains or losses. Heavy losses may cause price increases, while profitable underwriting can cause more affordable RAV4 insurance rates.
For example, the chart below shows the cheapest car insurance in Jacksonville, FL for a 40-year-old male driver with no accidents or violations, and a good credit rating. Based on his personal risk profile, USAA might offer the cheapest car insurance rates in Jacksonville at $1,129 annually. This is $1,319 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remainder of the most affordable Jacksonville, FL auto insurance companies.
In this example, we will give the driver from the above example an accident surcharge, a lower credit rating, and a few blemishes on his driving record. Since each auto insurer uses a different method for determining rates in each state, analyzing rate quotes may now result in a completely different list of cheap Jacksonville auto insurance companies as shown below.
USAA now has the cheapest price in Jacksonville with Mercury, Esurance, State Farm, and Auto-Owners now being in the top five. This illustrates why Florida drivers need to perform a complete rate comparison when trying to get the lowest auto insurance rates for a Toyota RAV4.
Insurance prices are influenced by many different factors and change substantially, so the cheapest option the last time you checked may now be quite expensive.
If you prefer to have a professional recommendation when trying to find lower insurance rates for a RAV4, the agents listed below can provide answers to your questions and help you determine which coverages are best. To locate a Jacksonville car insurance agency using an interactive map, click the button after the list or click here to compare prices now.
- Allstate Insurance, John Crowell Agency
9700 Philips Hwy #109 – Jacksonville, FL 32256 – (904) 538-9440 - First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 - Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 - Cam Anderson – State Farm Insurance Agent
4555 San Juan Ave – Jacksonville, FL 32210 – (904) 381-1206 - Ray Moore – State Farm Insurance Agent
109 New Berlin Rd – Jacksonville, FL 32218 – (904) 751-6643
View map of Jacksonville, FL insurance agents
Ideas for buying the cheapest insurance for a Toyota RAV4
It is possible to find better rates, and here are some of the better thrifty ideas that can help Jacksonville drivers locate cheap auto insurance.
- Accident-free drivers may qualify for discounts
- Bundle home and auto and save
- Violations like speeding or DUI increase rates
- Vehicles with good safety ratings are usually cheaper to insure
- Do not file small claims
- Ensure you have the best deal by shopping around regularly
The last idea is especially important, as we discussed in the prior article. Prices charged by car insurance companies in Jacksonville vary considerably, so don’t be afraid to buy from a new company if a lower price can be found.
Brand loyalty is great, but is isn’t recommended if that loyalty results in overpaying a fortune every year. In just a couple of minutes you could shop around and find cheaper insurance for a Toyota RAV4.