Car Insurance Quotes for a Toyota RAV4

The average annual premium for a Toyota RAV4 is $501 for minimum coverage and $1,510 for full coverage. Since all states but two require drivers to carry car insurance, which policy is best for you and your budget?

Most lenders require full coverage, which consists of state liability plus comprehensive and collision. However, in most cases, the cheapest coverage for a RAV4 will be the state minimum. However, your rate will depend on a variety of individual factors, such as your age and driving record.

At Freeway Insurance, our agents are standing by to help you find the right coverage at the best price for you and your family.

According to Car and Driver, the RAV4 is a bestseller – for all the right reasons. It’s a nice SUV with enough space in the cabin and cargo area, it’s priced well and gets good gas mileage. Whether you choose the traditional gas engine or a hybrid model, the RAV4 is an attractive vehicle that handles well on the road.

It’s the perfect choice for commuting to work and running errands.

Freeway Insurance offers several policy options, including state minimum liability and full coverage.

Full Coverage

This type of car insurance includes liability, collision, and comprehensive policies.

Liability pays for bodily injury and property damage of third parties when you are at fault for an accident.

Collision covers wrecks that occur while your car is in motion. Comprehensive insurance covers damages due to non-collision-related incidents, such as falling tree limbs, hail, natural disasters, and vandalism.

Full coverage includes damages up to your policy limits minus your deductible. It also pays for injuries incurred by you and your passengers.

We highly recommend a full coverage over a state minimum liability policy for the greater number of protections it provides.

State Minimum Liability

All states in the U.S. mandate that you carry minimum liability for bodily injury and property damage.

Every state has minimum mandated liability limits. For example, California requires $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage liability. In turn, Texas requires $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 for property damage liability.

One of the drawbacks of statement on liability policies is that it only extends third-party benefits, covering the cost of damages sustained by others in an at-fault accident. We recommend full coverage, which provides first-party benefits such as collision and comprehensive insurance.

If you have been convicted of a DUI, expect your rates to go up.

For starters, your premium may triple, depending on the offense. You may also be required to file an SR-22, a certificate of financial responsibility that lets the state know you carry the minimum required liability limits. Unfortunately, your SR-22 requirement will last for a three-year minimum. However, your rates should slowly decrease over time after that, as long as you maintain a clean driving record.

If you are convicted of multiple DUIs within a short period, some insurers may decide to let you go a customer altogether, refusing to provide coverage. Others will work with you to offer DUI insurance.

We highly recommend comparing rates between different insurers if you have been convicted of DUI. One may offer the same insurance policy at a 30% discount than a competing member, making the exercise well worth it. Shopping around can help you find cheap DUI quotes.

It is a vehicle in the compact SUV segment.

It comes in six trims: LE, XLE, XLE Premium, Adventure, TRD Off-Road, and Limited, along with one engine option, a 203-horsepower four-cylinder engine with 8-speed automatic transmission with the choice of front-wheel or all-wheel drive.

Standard features include an 8-inch touch screen, Apple CarPlay/Android Auto compatibility, three USB ports, and “Hey Toyota,” its virtual assistance suite, which allows drivers to issue hands-free commands like starting a song. In addition, the Toyota Safety Sense 2.5 package includes several intelligent safety features, including forward collision warning, forward automatic emergency braking, and automatic high-beam headlights.

Upgrading to higher trims increases the screen size to 10.5 inches, along with an 11-speaker stereo and integrated front and rear parking sensors.

Main competitors are the Mazda CX5, Hyundai Tucson, Ford Explorer, and Subaru Forester.