Finding the best cheap coverage for a Toyota RAV4 in Nevada depends on an enormous amount of factors such as how many years you have been driving, your address, and any past driving violations you may have had. Drivers pay around $1,069 annually to insure their RAV4, but that price is a valuation based upon a 30-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
More likely than not, you are not 30 years old and maybe not even male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. This illustrates why the best method for finding affordable rates for your Toyota is to do the rate comparisons yourself. In less than five minutes you will be able to see rates from the best auto insurance companies in Nevada.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 Sport 2WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 4WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 Limited 2WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 Limited 4WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 Limited 4WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
| RAV4 Sport 4WD | $272 | $402 | $404 | $24 | $120 | $1,222 | $102 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can increase or decrease price quotes noticeably.
Buying coverage from the right insurer can be rather challenging considering how many different insurance companies sell coverage in Henderson. The company information listed below could help you pick which companies to look at buying from. The ratings below are only comprised of companies that insure vehicles across America, so companies without a large exposure are not taken into consideration for this list.
| 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 |
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below highlights how deductible choice can affect yearly insurance costs when searching for cheap insurance for a Toyota RAV4. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could lower rates by $294 a year by switching from a $100 deductible up to a $500 deductible, or save $444 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices $624 or even more just by choosing larger deductibles.
When choosing a higher deductible, it will be necessary to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Who has the cheapest RAV4 insurance?
Nevada car insurance rates are determined by lots of factors that control the policy premium. Getting older, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can make some companies cheaper than competitors.
Also, auto insurance companies file new Nevada auto insurance rates as often as every quarter to reflect underwriting profits or losses. Higher than usual claims can cause higher rates, while less frequent claims can produce lower-cost RAV4 insurance rates.
For example, the bar chart below shows which companies have the cheapest car insurance in Henderson, NV for a 40-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we compare prices based on her current risk profile, Travelers quotes the cheapest car insurance rates in Henderson at $1,455 a year. This is $119 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive round out the rest of the top five cheapest Henderson, NV auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim surcharge, a little lower credit rating, and a stop sign violation. Since each auto insurer has their own formula for setting prices, comparing quotes could now result in a different ranking of affordable Henderson car insurance companies as shown below.
GEICO now has the lowest car insurance rate in Henderson, NV with Allied, Safeco, Nationwide, and USAA now being in the top five. This example demonstrates why consumers need to shop around with many companies to get the most affordable auto insurance quotes for a Toyota RAV4. Car insurance prices can be altered by many different factors and change frequently, so the cheapest rate the last time you checked may now be one of the more expensive options.
How to find cheaper car insurance for a Toyota RAV4
The list below shows some of the recommended thrifty suggestions that can help you quote lower-cost car insurance.
- Buy your auto and home insurance from the same company and save
- Being accident-free can lower rates significantly
- Do not get traffic citations
- Try to remain claim-free
- Drive safe vehicles
- Shop around for lower rates once a year
The last item on the list is certainly necessary, as was stressed in this article. Insurance rates fluctuate constantly, so you should be ready to switch carriers if a cheaper rate is available. Many drivers prefer to stick with one company, but it isn’t a good idea if that stubbornness costs you a lot of money every month. Spend a few minutes and shop around to find cheaper car insurance for a Toyota RAV4 in Henderson.
The agencies below are willing to provide answers to your questions and help you determine which car insurance company is the best fit, as many people would rather get some professional input when buying car insurance for a RAV4. It’s not always simple to find the cheapest rate yourself, and a professional agent can add peace of mind knowing your coverage gives you adequate protection.
To find an agent close to where you live, click the link after the list or click here to get price quotes now.
Martha Pailes – State Farm Insurance Agent
613 N Stephanie St – Henderson, NV 89014 – (702) 451-0123
Amber Aiello – State Farm Insurance Agent
2200 W Horizon Ridge Pkwy a – Henderson, NV 89052 – (702) 616-4663
Farmers Insurance: Laurie Yakubik
183 Gibson Rd – Henderson, NV 89014 – (702) 456-8119