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

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

Our editors have a joke that when writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article to describe car insurance rates. The fact is, cheap car insurance for a Toyota RAV4 can be extremely hard to find. Don’t let that spoil your day, because we are going to show you how you can still find and buy insurance that is cheaper than your current policy.

The chances of buying affordable coverage for a Toyota RAV4 in Oregon relies on a fairly complex equation with a lot of factors such as if you are married or single, your current insurance company, and citations on your driving record. Drivers in Oregon will pay around $1,110 annually to insure their RAV4, but that amount is an approximation based on rates for a 30-year-old single male who requires both comprehensive and collision coverage and $250 deductibles.

There is a good probability you are not exactly 30 years old and possibly not even male, married instead of single, or you need different deductibles. What appears to be a small change in rating criteria can induce significant differences in the cost of coverage for a Toyota RAV4.

Auto insurance is unique to every driver, so your best shot at finding the cheapest insurance price for your Toyota is to regularly compare rates at renewal.

View Toyota RAV4 Insurance Rates

Toyota RAV4 Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 Sport 2WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 4WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 Limited 2WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 Limited 4WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 Limited 4WD $282 $416 $418 $24 $126 $1,266 $106
RAV4 Sport 4WD $282 $416 $418 $24 $126 $1,266 $106
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific zip code location which can alter prices substantially.

Insuring your vehicle with a good quality auto insurance provider can be difficult considering how many companies there are in Oregon. The company information shown next may help you analyze which car insurance companies to look at purchasing coverage from.

These ratings are only comprised of companies with a national presence, so companies that have a smaller presence are not factored into the list. To check rates and find the cheapest rates for a Toyota RAV4, click here.

Oregon Car Insurance Company Rankings
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
Progressive 84 91 93 87% A+ 89.5
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
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Oregon auto insurance rates

Discounts on car insurance for a Toyota RAV4Insurance providers that sell cheap insurance for a Toyota RAV4 in Oregon could also offer premium discounts that could potentially reduce rates by as much as 35% if you qualify for them. The best car insurance companies and some of the premium reductions they offer are outlined below.

  • GEICO may offer discounts for federal employee, military active duty, daytime running lights, good student, and defensive driver.
  • Mercury Insurance has savings for multi-policy, age of vehicle, good driver, location of vehicle, ease of repair, and annual mileage.
  • Farmers Insurance may include discounts for mature driver, homeowner, distant student, bundle discounts, and youthful driver.
  • Auto-Owners Insurance may have discounts that include safe vehicle, company car, multiple vehicles, anti-lock brakes, and paperless.
  • Liberty Mutual offers premium reductions for safety features, new vehicle discount, new graduate, newly retired, preferred payment discount, and multi-car.
  • SAFECO includes discounts for accident prevention training, drive less, multi-car, homeowner, teen safe driver, bundle discounts, and anti-lock brakes.
  • Progressive has discounts for online quote discount, online signing, multi-vehicle, good student, and continuous coverage.
  • USAA offers discounts for annual mileage, multi-policy, vehicle storage, driver training, and safe driver.

The information below shows the comparison of premium costs with and without discounts applied to the rates. The premiums assume a male driver, no violations or accidents, Oregon state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, claim-free, passive restraint, marriage, accident-free, and anti-theft discounts applied. When these discounts are applied, the the average amount saved on car insurance for a Toyota RAV4 is 28% or $602.

Here’s why you should compare rates often

Oregon car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Turning one year older, buying a home instead of renting, or getting a ticket for careless driving can produce rate changes that may make certain companies more affordable than competitors. Not only that, but car insurance companies change their prices multiple times each year in order to protect their financial rating. An unexpected high level of claims can result in increased policy costs, while long-term profits can cause more affordable RAV4 insurance rates.

The data below demonstrates which company has the cheapest car insurance in Oregon for a 40-year-old female driver with no prior claims, no tickets, and great credit. When comparing rates based on her personal risk profile, Grange may have the cheapest car insurance rates in Oregon at $694 a year. This is $784 less than the average price paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are the remaining top five cheapest Oregon auto insurance companies.

The example below compares rates after we give the driver in the first chart some claims, bad credit, and a traffic ticket or two. Due to the fact that every insurance company uses their own method for setting rates, analyzing rate quotes most likely will result in a slightly different list of the cheapest companies as shown below.

Amica now has the lowest car insurance rate in Oregon with GEICO, Allied, California Casualty, and Oregon Mutual now being in the top five. This illustrates why it is critical to shop around when trying to find cheap insurance rates for a Toyota RAV4. Prices can be determined by many factors and can change without notice, so the most affordable company when you bought your policy may now be an over-priced policy.

Cheap Toyota RAV4 insurance quotes

Consumers have many ways to get cheap car insurance quotes in Oregon, but the most frequently used methods are from an independent agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or direct from companies such as Progressive or Geico. All three ways are similar, but buyers should know the differences in how they price policies.

Independent agencies write business for many companies and can get rate quotes from all of them. They are appointed with more than one company and can provide you with more rates, which can give you a better comparison. If your agent finds a cheaper company, an independent agent can move your coverage and you stay with the same agent.

An agent who is captive is only able to give rates for just one company, examples being a Liberty Mutual or State Farm agent. These guys and gals cannot shop your coverage around, so if finding the cheapest car insurance is your goal, you will want to shop around.

The last way is buying direct, which means you forego a local agent and instead shop direct either online or via phone. Shopping for car insurance direct may be preferred by consumers who do not have a lot of assets and have a decent understanding of what specific coverages they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap insurance for a Toyota RAV4 in Oregon? We would first guess that buying direct results in the best prices since there isn’t an agent involved, but that generally is not the case. We could also say that buying car insurance from an independent agent results in the cheapest rates since they have access to many companies, but again, that’s not a true statement. And sometimes, the exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Due to the large number of rating factors, the best method to get the cheapest rates is to compare, compare, and compare some more. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.

How to find the cheapest auto insurance for a Toyota RAV4

It is possible to find better rates, and here are many money-saving solutions that can help Oregon drivers get cheap coverage.

  • Lower rates by purchasing a safer vehicle
  • Save money by staying claim-free
  • Buying home and auto together can help save money
  • Raise your deductibles
  • Do not insure for full coverage
  • Drivers with good credit ratings often pay less
  • Compare price quotes at least once a year

The last item on the list is certainly valuable, as we stressed in this article. Car insurance prices can be adjusted at any time, so don’t be afraid to buy a policy from a new company if a better rate can be found. We understand brand loyalty, but it isn’t a good idea if that faithfulness ends up costing you a small fortune year after year. In less than five minutes you could shop around and find cheaper insurance for a Toyota RAV4.