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How Much are Insurance Quotes for a Toyota RAV4 in Oregon?

Enter your Oregon zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2019

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Buying the cheapest car insurance for a Toyota RAV4 in Oregon depends on a whole bunch of factors such as the mileage of your daily commute, if you are currently insured, and the deductible amount you use. Drivers in Oregon pay an average of $1,210 each year to insure a RAV4, but that figure is calculated using a 30-year-old single male that purchased full coverage and $100 policy deductibles.

There is a good possibility you are not 30 and maybe not even a male, possibly married instead of single, and you don’t want the same coverages and limits as the example. Just a minor change in the factors used in pricing a policy can create big changes in rates.

Auto insurance rates are unique for each driver, so the way we recommend to find the cheapest rates for your Toyota is to do your own rate comparisons. Rate quotes are easy and you will be able to compare rates from the cheapest companies that offer coverage in Oregon.

Enter your zip code below to view companies that have cheap auto insurance rates.

Toyota RAV4 Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 Sport 2WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 4WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 Limited 2WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 Limited 4WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 Limited 4WD $314 $496 $418 $24 $126 $1,378 $115
RAV4 Sport 4WD $314 $496 $418 $24 $126 $1,378 $115
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in vehicle garaging location which can affect premium rates significantly.

Finding out which insurers offer the most affordable auto insurance rates for a Toyota RAV4 will involve a bit more work in order to find the most economical policy.

Every insurance provider uses a different method for setting rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Oregon. We do need to point out that Oregon auto insurance rates are influenced by many factors that control the price you pay. Simply having another birthday, increasing deductibles, or getting a speeding ticket may generate price changes that may make certain companies more affordable than before.

Enter your zip code below to view companies that have cheap auto insurance rates.

Who has the cheapest car insurance in Oregon?
Rank Company Cost Per Year
1 Grange $715
2 Oregon Mutual $819
3 Country $856
4 USAA $950
5 Travelers $952
6 State Farm $1,071
7 Amica $1,137
8 Allied $1,167
9 GEICO $1,190
10 California Casualty $1,194
11 Mutual Enumclaw $1,212
12 Progressive $1,222
13 MetLife $1,301
14 21st Century $1,364
15 American Family $1,416
16 Encompass $1,558
17 Allstate $1,671
18 Farmers $1,935
19 Safeco $2,216
20 Liberty Mutual $2,533
Find Your Rate Go

Grange quotes some of the most affordable car insurance rates in Oregon at around $715 a year. Oregon Mutual, Country, USAA, and Travelers also make the cut as some of the cheaper Oregon insurance companies.

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As shown in the table above, if you are a policyholder with USAA and switched to Oregon Mutual, you might achieve an annual premium reduction of upwards of $131. Customers with Travelers may save as much as $133 a year, and State Farm insureds might reduce rates by $252 a year.

Remember that these prices are averaged for all drivers and vehicles in Oregon and and are not calculated with a specific rating modification for a Toyota RAV4. So the car insurance company that is best for you may not even be in the company chart above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.

Enter your zip code below to view companies that have cheap auto insurance rates.

The information below demonstrates how deductible levels can raise or lower yearly insurance costs when searching for cheap insurance for a Toyota RAV4. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could reduce rates by $314 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save up to $1,036 or even more by using a higher deductible. If you do decide to increase your deductibles, it will be required to have enough in a savings account to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Responsible drivers pay cheaper auto insurance rates

In a perfect world, the ideal way to obtain cheap insurance for a Toyota RAV4 in Oregon is to drive cautiously and avoid accidents and keep your driving record clean. The illustration below demonstrates how citations and at-fault accidents raise auto insurance rates for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of car insurance per year with no accidents or violations is $2,175. Get written up for two speeding tickets and the average cost hikes up to $2,886, an increase of $711 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Toyota RAV4 jumps again to an average of $5,413. That’s an increase of $3,238, or $270 per month, just for being a less-than-perfect driver!

Discounts on cheap insurance for a Toyota RAV4 in Oregon

Discounts on auto insurance for a Toyota RAV4Auto insurance companies that offer coverage for a Toyota RAV4 could also offer special discounts that can lower rates by 40% or more if you qualify for them. A few popular companies and some of the premium reductions they offer can be read below.

Car Insurance Discounts Available
Discount Progressive Geico Allstate State Farm Liberty Mutual Farmers
Multiple policies Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes No Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes Yes No
Air bags No Yes Yes Yes Yes Yes
Newer vehicle No No Yes Yes No Yes
Safe driver Yes Yes Yes Yes No Yes
Defensive driving course Yes Yes Yes Yes No Yes
Active duty military Yes Yes No Yes No Yes
Professional affiliation No Yes No No Yes Yes
Full payment Yes Yes Yes No Yes Yes
Auto-pay Yes Yes Yes No Yes Yes
Loyalty Yes No No Yes No Yes
Sign early No No Yes No No Yes
Good grades Yes Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes Yes
Homeowner Yes No No No No Yes
Seat belt use No Yes No No No No
Quote online Yes No No No No No
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The chart below compares insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Oregon state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, accident-free, passive restraint, claim-free, marriage, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for a Toyota RAV4 is % or $.

Use our FREE quote tool to compare insurance rates now!

Free Car Insurance Comparison

Enter your zip code below to view companies that have cheap car insurance rates.

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