How Much are Auto Insurance Rates for a Toyota RAV4 in Plano?

Buying the best cheap auto insurance for a Toyota RAV4 in Texas is pretty simple, but it is dependent upon a lot of different factors such as how safe your vehicle is, your occupation, and any prior driving offenses you have. Drivers in Texas will pay around $865 each year to insure their RAV4, but that figure is an approximation calculated using a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.

It’s highly likely you’re not a 40-year-old male, possibly single instead of married, or maybe you want different physical damage deductibles. Even a minor difference in rating criteria could end up with a large change in the coverage rate.

Auto insurance requires individual risk assessment, so the best way to find the cheapest coverage for your Toyota is to compare as many rates as possible. Compare rate quotes now and you will receive price comparisons from some of the best companies that insure Toyota vehicles in Texas.

Compare Toyota RAV4 Insurance Rates

Toyota RAV4 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $166 $288 $392 $24 $118 $988 $82
RAV4 Sport 2WD $166 $288 $392 $24 $118 $988 $82
RAV4 4WD $166 $288 $392 $24 $118 $988 $82
RAV4 Limited 2WD $166 $288 $392 $24 $118 $988 $82
RAV4 Limited 4WD $166 $288 $392 $24 $118 $988 $82
RAV4 Limited 4WD $166 $288 $392 $24 $118 $988 $82
RAV4 Sport 4WD $166 $288 $392 $24 $118 $988 $82
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in vehicle garaging location which can influence price quotes greatly.

Buying coverage from the best insurance company is hard considering how many choices there are in Plano. The company information below may help you choose which insurers to look at purchasing from.

The rankings below are only made up of large nationwide companies, so companies that focus mainly on Texas business are not taken into consideration for the list. If you would like to check rates and find cheaper insurance for a Toyota RAV4, simply click here.

Top 10 Large Auto Insurance Providers Overall in Plano

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Auto Insurance Providers in Plano Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Get discounts on Plano insurance

Car insurance for a RAV4 in Plano, TXInsurers that provide coverage for a Toyota RAV4 may provide price discounts that could potentially reduce rates by as much as 30% if you meet the requirements. A few popular companies and a selection of discounts can be found below.

The chart below shows the comparison of yearly insurance costs with and without discounts. The rate quotes are based on a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, anti-theft, vehicle safety, accident-free, defensive driving course, and multiple vehicle discounts applied. When discounts are factored in, the average savings per year on car insurance for a Toyota RAV4 is 28% or $657.

Full coverage rates vs. liability-only

Saving on car insurance should be important to most drivers, and one of the fastest ways to reduce the cost of insurance for a Toyota RAV4 is to not insure for full coverage. The illustration below visualizes the comparison of insurance premiums when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $500 deductibles, drivers are single, and no policy discounts are applied.

If averaged out across all ages, physical damage coverage costs $2,123 per year over and above liability coverage. At some point, about every driver wonders if it’s worth it to buy full coverage. There is no definitive rule for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

How to find cheaper auto insurance for a Toyota RAV4

Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help Plano drivers find low-cost car insurance.

The last idea is especially important, as we pointed out in the article above. Prices charged by auto insurers in Plano go up and down frequently, so you should be ready to buy a policy from a new company if a better deal can be had.

Having brand loyalty is commendable, but it’s not a good idea if that devotion results in you overpaying thousands of dollars over several years. Spend a few minutes and shop around to find cheaper insurance for a Toyota RAV4.

The agents listed below can most likely provide answers to your questions and help you determine which coverages are best, as lots of people like to get some professional input when buying car insurance for a Toyota RAV4. It can be hard to find the best coverage yourself, so using a licensed agent can provide satisfaction knowing you have adequate coverage when you need it most.

To find a Plano insurance agency close to where you live, click the button at the bottom or click here to compare prices now.

Ann Dunham – State Farm Insurance Agent
2301 W Parker Rd #1Plano, TX 75023(972) 596-4809

Farmers Insurance – Joseph Qiu
5016 Tennyson PkwyPlano, TX 75024(972) 781-0808

Donnie Pence – State Farm Insurance Agent
1301 Custer Rd #340Plano, TX 75075(972) 309-0009

Allstate Insurance: Shelly Balleza
801 E Plano Pkwy #206Plano, TX 75074(972) 244-6560

More insurance agents in Plano, TX