Who Has the Cheapest Auto Insurance Rates for a Toyota RAV4 in Stockton?

Buying the cheapest car insurance for a Toyota RAV4 relies on a complicated rating formula that uses factors such as your age, if you have a tendency to file claims, and whether or not you are a good driver. Drivers in California pay on average $1,370 a year for RAV4 insurance, but that amount is an estimation calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.

More likely than not, you are not 30 years old and maybe not even male, married instead of single, or maybe you prefer to not insure for full coverage. Insurance is an individual thing, so the way we recommend to find cheap auto insurance rates for your Toyota is to do your own rate comparisons.

Find Cheaper Toyota RAV4 Insurance

Toyota RAV4 Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Sport 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 2WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Limited 4WD $316 $464 $578 $34 $174 $1,566 $131
RAV4 Sport 4WD $316 $464 $578 $34 $174 $1,566 $131
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates noticeably.

Finding a high-quality car insurance provider can be rather challenging considering how many companies sell coverage in California. The information below may help you analyze which coverage providers you want to consider purchasing from. The rankings below are only made up of the largest companies in America, so companies that have a smaller presence are not factored into the list.

Top 15 Insurance Companies for a Toyota RAV4 in Stockton, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Impact of violations and accidents on rates

The obvious way to obtain cheap insurance prices for a RAV4 is to be a cautious driver and not receive tickets or have accidents. The example below highlights how speeding tickets and at-fault fender-benders drive up insurance rates for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the chart above, the average cost of car insurance per year with no violations or accidents is $1,858. Add in two speeding tickets and the average cost increases to $2,552, an increase of $694 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota RAV4 increases to an average of $3,261. That’s an increase of $1,403, or $117 per month, just for not driving attentively!

Why you are probably overpaying for RAV4 insurance

Stockton, CA insurance rates are impacted by many things which can substantially decrease or increase the price of your policy. Simply turning a year older, buying a home instead of renting, or getting a few speeding tickets may generate price changes resulting in some rates now being more affordable than the competition.

Not only may your risk profile change, but auto insurance companies amend pricing as often as every three months to adjust for unexpected claims or profits. An extended period of higher than normal claims may cause rate increases, while a better loss history can cause lower-cost RAV4 insurance rates.

For instance, the data below shows rates for the cheapest car insurance in Stockton, CA for a 30-year-old female driver with a good driving record, no prior claims, and a good credit history. Based on her personal profile, USAA has the cheapest car insurance rates in Stockton at $1,331 per year. This is $320 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the top five cheapest Stockton, CA auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison some claims, bad credit, and a couple of points charged on her driving record. Due to the fact that every auto insurer has a proprietary formula for determining prices, comparing rates most likely will result in a different set of cheap Stockton auto insurance companies as shown below.

Grange now has the best car insurance rate in Stockton with GEICO, Allstate, Mercury, and Progressive also being competitive. This example illustrates why California drivers need to spend some time comparing rates when trying to find cheap car insurance rates for a Toyota RAV4.

Auto insurance prices are made up of many things and change substantially, so the best option the last time you compared rates may now be wasting a lot of money.

The auto insurance agents in Stockton shown below can help you make a decision which insurance coverage you need, since lots of people like to have some advice when trying to find the best insurance rates for a RAV4. It can be challenging to find the cheapest rate yourself, so using a licensed agent can provide satisfaction knowing your policy gives you suitable coverage if you ever need to use it. To find a Stockton insurance agent in your neighborhood, click the link after the list or click here to compare prices now.

Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1Stockton, CA 95209(209) 472-8585

Farmers Insurance – Ryan Merin
3439 Brookside Rd #106Stockton, CA 95219(209) 957-4675

Brown and Brown Ins. Svcs. of CA Inc. DBA Debock and Muth Insurance Agency
1330 W Fremont StStockton, CA 95203(209) 465-5671

RVA Insurance Agency, Inc
1341 West Robinhood Drive, ste A-1Stockton, CA 95207(209) 898-0650

Raj Insurance Services
1743 Grand Canal Blvd #12Stockton, CA 95207(209) 472-2060

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