Who Has the Cheapest Car Insurance Rates for a Toyota RAV4 in Cleveland?

Finding cheap car insurance for a Toyota RAV4 in Ohio is pretty simple for most people to do, but it hinges on many rating criteria such as how old the RAV4 is, where your vehicle is garaged, and whether or not you are a good driver. Ohio drivers will pay on average $515 annually for RAV4 insurance, but that amount is a projection calculated using a 40-year-old married male driver with full physical damage coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even male, possibly single instead of married, and maybe your RAV4 is older and does not require full coverage. Auto insurance is unique to each driver, so the way we recommend to find affordable rates for your Toyota is to just take the time to compare rates yourself. Quotes only take a couple of minutes and you will receive rate quotes from top-rated companies available.

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Toyota RAV4 Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $98 $172 $234 $14 $70 $588 $49
RAV4 Sport 2WD $98 $172 $234 $14 $70 $588 $49
RAV4 4WD $98 $172 $234 $14 $70 $588 $49
RAV4 Limited 2WD $98 $172 $234 $14 $70 $588 $49
RAV4 Limited 4WD $98 $172 $234 $14 $70 $588 $49
RAV4 Limited 4WD $98 $172 $234 $14 $70 $588 $49
RAV4 Sport 4WD $98 $172 $234 $14 $70 $588 $49
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Cleveland garaging location which can influence coverage rates considerably.

Finding reliable, reasonably-priced auto insurance is tough enough, and determining which company has the best auto insurance rates for a Toyota RAV4 requires even more work. Every auto insurer uses different criteria to set their prices, so first let’s look at the rankings for the lowest cost auto insurance companies in Ohio.

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Ohio auto insurance company rankings
Rank Company Cost Per Year
1 Utica National $654
2 Erie $681
3 Allied $697
4 Frankenmuth $701
5 Travelers $726
6 USAA $741
7 Merchants Insurance Group $771
8 Cincinnati Insurance $779
9 General Casualty $813
10 Motorists Mutual $816
11 Grange Mutual $836
12 Central Mutual $866
13 Hastings Mutual $884
14 State Farm $894
15 Atlantic States $940
16 Westfield $946
17 Progressive $962
18 Auto-Owners $968
19 Western Reserve $970
20 Farmers $1,005
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Utica National has some of the cheapest car insurance rates in Cleveland at around $654 per year. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the most economical Cleveland, OH car insurance companies.

In the rate table above, if you currently buy coverage from Travelers and switched to Erie, you might achieve an annual savings of roughly $45. Drivers with USAA may save as much as $60 a year, and Merchants Insurance Group insureds might lower prices by $90 a year.

If you would like to find cheaper car insurance rates, click here to start a quote or visit any of the companies below.

It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific zip code for a Toyota RAV4. So the car insurance company that is best suited for you may not even be in the top 33 companies shown above. That illustrates why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Full coverage versus liability-only

Saving on auto insurance is important to most vehicle owners, and one easy way to lower the cost of insurance for a Toyota RAV4 is to not insure for full coverage. The example below illustrates the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

If averaged out across all ages, full coverage on your policy costs an additional $1,136 per year over having just liability coverage. Many of you may wonder if it’s a good idea to buy full coverage. There is no definitive formula for excluding full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Why you should be shopping around

Ohio auto insurance rates are determined by lots of factors that control the price of coverage. Simply turning a year older, buying a new vehicle, or having an at-fault accident can cause premium changes that can make some companies more affordable than others. Not only may things change on your end, but insurers change rates as often as every quarter in order to offset underwriting gains or losses. A period of higher than normal claims may cause additional price hikes, while long-term profits may produce cheaper RAV4 insurance rates.

For instance, the chart below shows which company has the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with a good driving record, no prior claims, and a high credit rating. If we estimate rates based on his current situation, Utica National might offer the best car insurance rates in Cleveland at $834 a year. This is $206 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and USAA are the remainder of the top five cheapest Cleveland, OH auto insurance companies.

Now we will pretend the driver from the first example an at-fault accident, bad credit, and a speeding ticket. Since each insurance company uses their own method to set their prices, comparing quotes most likely will result in a slightly different list of cheap Cleveland auto insurance companies as shown below.

Merchants Insurance Group now has the lowest price on auto insurance in Cleveland, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now rounding out the top five. This shows why Ohio drivers need to perform an extensive rate comparison to get the most budget-friendly insurance quotes for a Toyota RAV4. Prices are impacted by many factors and can increase or decrease at any time, so the best option the last time you shopped around may now be quite expensive.

The Cleveland, OH, insurance agents below are a good start to help you make a decision which coverages are best, as some drivers have questions and prefer to get some guidance when trying to find lower insurance rates for a RAV4. It can be challenging to find the cheapest rates, and insurance agents licensed in the state of Ohio can provide you peace of mind knowing your policy gives you enough protection. To find an agent close to where you live, click the button link following the list or click here to get price quotes now.

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How to find economical car insurance for a Toyota RAV4

Below you’ll find some of the better penny-pinching suggestions that can help Ohio drivers find more affordable auto insurance.

That last idea is especially significant, as we pointed out in the prior information. Rates in Cleveland fluctuate constantly, so don’t hesitate to buy from a different company if a more affordable price is available.

Being loyal to a particular company is commendable, but is isn’t recommended if that dedication is costing a small fortune. In just a couple of minutes you could shop around to find cheaper insurance for a Toyota RAV4.