Finding cheaper car insurance for a Toyota RAV4 in Texas hinges on an enormous amount of rating factors such as whether you are single or married, whether you are claim-free, and violations on your driving record. Drivers in Texas pay approximately $985 annually to insure their RAV4, but that is an estimate calculated based on a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

The problem with using this number is the good chance you may not be 50 years old (or even female), maybe you are single instead of married, or maybe you have a speeding ticket or two that will increase rates. Even a slight difference in the rating criteria used to formulate rates may result in significant differences in the coverage rate.

Different coverage needs are the reason why the best method for finding cheap insurance prices for your Toyota is to do a thorough rate comparison. To start saving now, get free quotes and you will be able to see rates from some of the best companies that sell coverage in Texas.

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Toyota RAV4 Insurance Rates in Texas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 Sport 2WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 4WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 Limited 2WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 Limited 4WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 Limited 4WD $226 $412 $358 $22 $108 $1,126 $94
RAV4 Sport 4WD $226 $412 $358 $22 $108 $1,126 $94
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in specific Texas garaging location which can affect coverage rates substantially.

Comparing quotes for low-cost insurance is not always easy, and determining which company offers the cheapest car insurance rates for a Toyota RAV4 in Texas will involve a bit more work. Every auto insurer uses a slightly different approach for setting prices, so we'll go over the car insurance companies with the most affordable rates in Texas.

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Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,723
14 Home State $2,071
15 GEICO $2,135
16 MetLife $2,249
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,646
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Travelers normally has some of the lowest car insurance rates in Texas at around $1,041 each year. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Texas auto insurance companies.

As the rates illustrate above, if you currently buy coverage from USAA and switched to Travelers, you might realize annual savings of upwards of $76. Customers with Texas Farm Bureau could save as much as $194 a year, and Germania Mutual policyholders might lower prices by up to $253 a year.

If you want to see how much you could save, click here to start your custom quote or click through to the companies below.

Remember that these rates are averages for all types of insureds and vehicles and and are not calculated with a specific rate value for a Toyota RAV4. So the insurer that is best for you may not even be in the top 23 companies shown above. That emphasizes why you need to get car insurance quotes using your own specific driver and vehicle information.

The illustration below shows how different deductible levels can increase or decrease insurance prices when searching for cheap insurance for a Toyota RAV4 in Texas. The costs are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $422 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could reduce their rates up to $1,236 each year by choosing a higher deductible.

If you do make the decision to raise your deductibles, it's a good idea to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Comparing rates on RAV4 insurance can save you money

Texas car insurance rates are based on many factors that can increase the price of coverage. Getting older, buying a home, or having a fender bender can trigger price changes that may make certain companies cheaper in comparison to the competition.

Not only may your risk profile change, but car insurance companies amend pricing every year to adjust for gains or losses. Unexpectedly high claims may cause rate hikes, while lower claims can result in lower-cost RAV4 insurance rates.

As an example, the data below shows a variety of companies that have the cheapest car insurance in Texas for a 35-year-old female driver with no accidents, a clean driving record, and good financial standing. When comparing rates based on her personal profile, Travelers has the lowest car insurance rates in Texas at $1,052 annually. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Texas auto insurance companies.

The chart below compares rates after we give the driver from the above example a chargeable claim, poor credit, and a speeding ticket. Since each auto insurer has a unique formula for determining rates in each state, comparing rates most likely will result in a completely different list of cheap Texas auto insurance companies as shown below.

State Farm now has the best price in Texas with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example demonstrates why it is crucial to shop around to get affordable car insurance rates for a Toyota RAV4. Prices are made up of many different factors and can increase or decrease at any time, so the most economical company a year ago may now be costing you a lot of money.

Ideas for buying economical insurance for a Toyota RAV4 in Texas

Below you'll find some of the recommended thrifty ideas that can help you buy cheaper car insurance.

The last idea is incredibly significant, as we emphasized in the prior information. Car insurance rates adjust often, so drivers shouldn't be resistant to buy a different policy if a lower price can be found.

Staying with the same company for years is fine, but it's not a great idea if your bullheadedness ends up costing you money that could be spent on other things. In just a couple of minutes you could shop around and find cheaper auto insurance for a Toyota RAV4.