Best Cheap Insurance for a Toyota RAV4 in Mississippi

Best Cheap Insurance for a Toyota RAV4 in Mississippi

Your ability to find cheaper car insurance for a Toyota RAV4 in Mississippi relies on a complex formula that factors things such as your financial responsibility, what you do for a living, and blemishes on your driving record. Drivers will pay on average $1,060 each year to buy Toyota RAV4 insurance, but that figure is an approximation assuming a 30-year-old married male who needs comprehensive and collision coverage and $100 policy deductibles.

But there is a high likelihood that you may not be 30 years old (or even male), possibly single instead of married, or maybe you don’t qualify for the same discounts. Not every driver requires the same auto insurance coverages, so your best shot at finding cheap insurance prices for your Toyota is to do a thorough rate comparison. Rate quotes are easy and you will receive price comparisons from some of the best companies around.

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Toyota RAV4 Insurance Rates in Mississippi
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 Sport 2WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 4WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 Limited 2WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 Limited 4WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 Limited 4WD $278 $500 $322 $20 $96 $1,216 $101
RAV4 Sport 4WD $278 $500 $322 $20 $96 $1,216 $101
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in garaging location in Mississippi which can influence premiums greatly.

Choosing the top car insurance provider is difficult considering how many companies are available to choose from in Mississippi. The ranking data below could help you analyze which companies you want to consider when trying to find the cheapest insurance for a Toyota RAV4.

The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Mississippi are not included in these rankings. To compare rates and find the cheapest rates for a Toyota RAV4, click this link.

Top 10 Large Auto Insurers in Mississippi Ranked by Customer Service

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

Top 10 Large Auto Insurers in Mississippi Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top Companies for Toyota RAV4 Insurance in Mississippi

Discounts on the best cheap insurance for a Toyota RAV4 in Mississippi

Cheaper Mississippi insurance for a RAV4Insurance providers that offer quotes for a Toyota RAV4 may additionally offer premium discounts that could potentially reduce rates by 30% or more if you meet specific criteria. A few of the larger companies and some of the discounts are outlined below.

  • GEICO offers discounts including seat belt use, air bags, emergency military deployment, multi-policy, anti-lock brakes, and daytime running lights.
  • MetLife may include discounts for accident-free, good student, multi-policy, claim-free, and good driver.
  • State Farm offers discounts for defensive driving training, good student, anti-theft, multiple policy, and Steer Clear safe driver discount.
  • Progressive has savings for multi-vehicle, online signing, homeowner, continuous coverage, multi-policy, online quote discount, and good student.
  • Mercury Insurance includes discounts for type of vehicle, multi-policy, accident-free, multi-car, annual mileage, and location of vehicle.
  • 21st Century discounts include early bird, automatic seat belts, air bags, anti-lock brakes, homeowners, and 55 and older.
  • Allstate may offer discounts for multi-policy, good payer, premier discount, new car, early signing, economy car, and 55 and retired.

The chart below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, no claims, a clean driving record, Mississippi state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, multiple vehicle, homeowner, defensive driving course, safe-driver, and vehicle safety discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance for a Toyota RAV4 is 28% or $476.

Driving violations and accidents

The ideal way to obtain good insurance premiums in Mississippi for a RAV4 is to be a cautious driver and avoid getting tickets or having accidents. The diagram below illustrates how traffic citations and accidents can raise insurance costs for different ages of insureds. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of an auto insurance policy in Mississippi per year with a clean driving record and no accidents is $1,228. Get one speeding ticket and the average cost rises to $1,433, an increase of $205 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Toyota RAV4 jumps again to an average of $2,002. That’s an increase of $775, or $65 per month, just for not being more responsible behind the wheel!

Best rates: Geico, State Farm, Allstate, or Progressive

If you’re looking for the best insurance for a RAV4 in Mississippi, four of the best places to start are Geico, State Farm, Allstate, and Progressive. The data below compares price and claims rank as well as some different options that may be available in Mississippi.

Auto Insurance Company Comparison
Geico State Farm Allstate Progressive
Number of Discounts 2nd 3rd 1st 4th
Price Overall 1st 2nd 4th 3rd
Claims Rank 3rd 2nd 1st 4th
Overall Satisfaction 1st 4th 2nd 3rd
Rating from A.M. Best A++ A++ A+ A+
S&P financial rating AA+ AA AA- AA
New car replacement coverage No No Yes No
Mechnical breakdown Yes No No Yes
Accident forgiveness coverage Yes No Yes Yes
Rideshare coverage Yes Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
Usage-based insurance No Yes Yes Yes
Where you can buy From a Geico agent or online State Farm exclusive agents Allstate-only agents Buy online or from an independent agent
Number of agents 150+ 18,000+ 11,000+ 30,000+
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