How Much are Insurance Quotes for a Toyota RAV4 in Florida?
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UPDATED: Nov 8, 2019
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Finding the best cheap car insurance for a Toyota RAV4 in Florida hinges on a large number of factors such as the amount of driving experience you have, whether or not you have prior claims, and deductible levels for physical damage coverage. Florida drivers on average will pay $1,350 per year for RAV4 insurance, but that figure is an estimation using rating data for a 40-year-old married female who purchased both comprehensive and collision coverage and $100 physical damage deductibles.
This brings up the issue that more than likely you are not 40 and possibly not even female, single instead of married, and maybe you want different deductibles. Everyone has different rating factors, so the best way to find affordable rates for your Toyota is to compare as many rates as you can.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RAV4 Sport 2WD||$308||$636||$438||$26||$132||$1,540||$128|
|RAV4 Limited 2WD||$308||$636||$438||$26||$132||$1,540||$128|
|RAV4 Limited 4WD||$308||$636||$438||$26||$132||$1,540||$128|
|RAV4 Limited 4WD||$308||$636||$438||$26||$132||$1,540||$128|
|RAV4 Sport 4WD||$308||$636||$438||$26||$132||$1,540||$128|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can change rates greatly.
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Florida car insurance companies ranked
Finding the highest-rated insurer can be difficult considering how many choices there are in Florida. The ranking data displayed below could help you decide which car insurance providers you want to consider to insure your vehicles.
These rankings are only made up of companies with a national presence, so companies that have a smaller presence are not taken into consideration for this list. To get price quotes from these top insurers and more, just click here.
Top 10 Large Auto Insurance Companies in Florida Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top Companies for Toyota RAV4 Insurance in Florida
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Drive safe and save
The common sense way to receive low car insurance rates in Florida for a RAV4 is to be a good driver and avoid at-fault accidents and violations. The diagram below highlights how speeding tickets and at-fault collisions can affect car insurance costs for each age group. The premiums are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $2,066. Get two speeding tickets and the average cost swells to $2,721, an increase of $655 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for a Toyota RAV4 jumps again to an average of $3,391. That’s an increase of $1,325, or $110 per month, just for being a careless driver!
The information below illustrates how your deductible choice can impact premium costs when researching cheap insurance for a Toyota RAV4. The prices are based on a married male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could save $348 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $524 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, could save as much as $1,162 or more just by choosing larger deductibles.
When choosing a higher deductible, it’s a good idea to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
You may be paying too much for RAV4 insurance
Florida car insurance rates are determined by lots of factors which can substantially change the cost of your policy. Simply turning a year older, buying a home instead of renting, or getting a DUI can trigger changes in premium that may make certain companies affordable when they were higher priced.
Not only that, but insurers file new Florida car insurance rates as often as every three months to adjust for gains or losses. Heavy losses can cause additional premium costs, while long-term profits may result in more affordable RAV4 insurance rates.
To help illustrate this point, the chart below analyzes the cheapest car insurance in Florida for a 45-year-old female driver with no accidents, a clean driving record, and solid credit. If we estimate rates based on her current risk profile, USAA may offer the cheapest car insurance rates in Florida at $977 annually. This is $1,471 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the list of the top five cheapest Florida auto insurance companies.
Let’s now give the driver from the first example a chargeable accident, less-than-perfect credit, and a speeding ticket. Since each auto insurance company has their own process to set their prices, comparing prices could result in a significantly different list of affordable companies as shown below.
USAA now has the cheapest insurance rate in Florida with Allied, Esurance, State Farm, and Auto-Owners completing the list. This example shows why it is important to shop around with many companies when trying to get the most budget-friendly insurance quotes for a Toyota RAV4. Rates consist of many things and can increase or decrease at any time, so the most affordable company six months ago may now be one of the higher cost companies.
Best cheap Toyota RAV4 insurance quotes
There are many ways to quote car insurance rates in Florida, but the three most common ways are from a non-exclusive or independent agent, an exclusive insurance agency like Auto-Owners or State Farm, or direct online or over the phone from a company like Progressive or Geico.
Each way is similar, but shoppers should understand the differences in how they provide rate quotes.
Independent agents are appointed by several companies and can get rate quotes from each one. These types of agencies will provide multiple price quotes, which can help you get a better chance of finding cheaper coverage. If you want to switch companies, it’s easy for the agent to move the policy and you don’t have to find a new agent.
An agent who is captive is only able to give prices for just one company, two examples are Allstate or State Farm agents. These agents are unable to provide prices from multiple companies, so they really need to provide good service.
The third popular method of shopping for car insurance is direct, which means you do not use local insurance agents and instead buy from a direct company like Geico. Buying direct can be good for drivers who do not need advice for asset protection and have a good understanding of how car insurance works and possible exclusions.
What is the best way to find cheap insurance for a Toyota RAV4 in Florida? Most drivers assume that shopping direct yields the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, it’s not that simple. A valid argument could also be made that going through an independent agent is the best way since they can quote with many companies, but again, it’s not a sure thing. In a lot of cases, the exclusive agents have price quotes that are the cheapest in Florida.
Due to the fact that car insurance rates vary so much, really the only way to buy the cheapest policy is to get as many comparison quotes as possible. To find the best rates, be sure to get prices from all three to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.
How to find cheap insurance for a Toyota RAV4 in Florida
The list below details some money-saving suggestions that can help Florida drivers buy low-cost coverage.
- Being accident-free can lower rates significantly
- Safer vehicles generally have cheaper insurance rates
- Bundle home and auto and earn a discount
- Save money by insuring older vehicles for liability only
- Do not file small claims
- Ensure your driving record is clean
- Shop around for cheaper prices
That last tip is incredibly vital, as we pointed out in the article above. Insurance prices in Florida adjust often, so don’t hesitate to buy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying a wad of cash every year. In less than five minutes you could shop around and find cheaper car insurance for a Toyota RAV4.
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