Buying competitive auto insurance for a Toyota RAV4 in California is dependent upon a complicated rating formula that uses factors such as annual miles driven, whether or not you have filed claims in the past, and any prior driving offenses you have. Drivers in California will pay on average $1,166 each year to insure their RAV4, but that is an approximation based on a 50-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a male, maybe you are single instead of married, and maybe your RAV4 is older and does not require full coverage. Not everyone needs the same coverages, so the only real way to find cheap insurance rates for your Toyota is to compare as many rates as possible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 Sport 2WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 4WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 Limited 2WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 Limited 4WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 Limited 4WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| RAV4 Sport 4WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase insurance rates noticeably.
Selecting the top car insurance company is hard considering how many companies are available to choose from in Santa Ana. The company information below could help you analyze which auto insurers to look at comparing rates with.
The rankings below are for the largest companies in the United States, so companies without a large exposure will not be included in these rankings. To view rates from the insurers below and more, click here.
Top 10 Major Auto Insurance Providers in Santa Ana Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Providers Overall in Santa Ana
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
The chart below demonstrates how deductibles can affect insurance costs when getting quotes for cheap insurance for a Toyota RAV4. The rates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
A 50-year-old driver could pocket $360 a year by increasing from a $100 deductible up to a $500 deductible, or save $544 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices up to $896 or more by choosing a higher deductible.
If you do raise deductibles, it will be required to have enough savings to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Why you should be shopping around
California car insurance rates are impacted by many factors that can increase the cost of having a policy. Improving your credit score, adding a teenager to your policy, or getting a ticket for running a stop sign may prompt premium changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but companies file new California auto insurance rates at least once a year in order to offset underwriting gains or losses. A period of increased losses may result in rate increases, while a lower level of claims may cause cheaper RAV4 insurance rates.
The bar chart below shows the companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with no violations or accidents, and good credit. When comparing rates based on his personal risk profile, USAA quotes the most affordable car insurance rates in Santa Ana at $1,224 annually. This is $427 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining best Santa Ana, CA auto insurance companies.
In the next rate comparison, we'll give the driver from above some claims, less-than-perfect credit, and a couple of points charged on his driving record. Because each insurer has a proprietary method for determining prices, getting updated rate quotes may now present a slightly different list of affordable Santa Ana car insurance companies as shown below.
Grange now has the best price on car insurance in Santa Ana with Allstate, Mercury, Progressive, and GEICO now rounding out the top five. This example demonstrates why drivers need to compare lots of rates when trying to get the lowest insurance quotes for a Toyota RAV4.
Insurance rates are calculated by many things and change dramatically, so the best company two years ago may now be priced much higher than other options.
How to find cheaper insurance for a Toyota RAV4
The list below summarizes many penny-pinching suggestions that can help you locate cheaper car insurance.
- Safer vehicles cost less to insure
- Improve your credit rating
- Raise deductibles to save money
- Accident-free drivers may qualify for discounts
- Violations like speeding or DUI increase rates
- Check for cheaper rates once a year
The last tip in the list is highly necessary, as we pointed out in this article. Auto insurance prices can be modified anytime, so don't be hesitant to switch carriers if a lower-cost policy is available.
Sticking with a specific company is fine, but it isn't a good idea if it's costing you money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for a Toyota RAV4 in Santa Ana.