Best Car Insurance for Toyota RAV4 SE 2022
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Best insurance for Toyota RAV4 SE
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 38% per year insuring their Toyota RAV4 SE when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Toyota RAV4 SE drivers after switching with Jerry.
|Quote Date||Zip Code||State||City||Age||Insurance Company|
|2021-10-16||83814||ID||Coeur D Alene||34||Travelers||$1,380||$744|
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
How much does it cost to insure a Toyota RAV4 SE
The average annual cost to insure a Toyota RAV4 SE is $2,798, which is $85 lower than the average annual cost to insure Toyotas. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Toyota RAV4 SE
While the mandatory liability coverage will be the cheapest option to insure your RAV4 SE, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Toyota RAV4 SE
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Toyota RAV4 SE will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Toyota RAV4 SE than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Toyota RAV4 SE:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Toyota RAV4 SE will be lower for an older car. These are real quotes Jerry has found for drivers of a Toyota RAV4 SE based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Toyota RAV4 SE with different carriers:
Trim levels and vehicle materials
The Toyota RAV4 SE comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Toyota RAV4 SE.