Finding affordable car insurance for a Toyota RAV4 in Colorado is pretty simple, but it hinges on many different factors such as the mileage of your daily commute, if you have a tendancy to file claims, and any prior driving citations you have received. Drivers will pay on average $809 a year to insure their RAV4, but that is an estimate based upon a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

More likely than not, you are not 50 and maybe not even a female, single instead of married, or you just want cheap liability insurance instead of full coverage. Just a very minor change in the criteria used to calculate rates can result in a big discrepancy in the price of a policy.

The different assumptions illustrate why the only real way to find cheap insurance rates for your Toyota is to compare as many rates as possible.

Compare Toyota RAV4 Insurance Rates

Toyota RAV4 Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $170 $306 $330 $20 $98 $924 $77
RAV4 Sport 2WD $170 $306 $330 $20 $98 $924 $77
RAV4 4WD $170 $306 $330 $20 $98 $924 $77
RAV4 Limited 2WD $170 $306 $330 $20 $98 $924 $77
RAV4 Limited 4WD $170 $306 $330 $20 $98 $924 $77
RAV4 Limited 4WD $170 $306 $330 $20 $98 $924 $77
RAV4 Sport 4WD $170 $306 $330 $20 $98 $924 $77
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location information which can impact rates considerably.

Buying coverage from a good quality company is hard considering how many choices there are in Colorado. The company information shown below can help you decide which companies you want to consider when comparing insurance rates for a Toyota RAV4. The rankings below are only made up of the largest auto insurers in America, so companies that focus mainly on Colorado business are not factored into these rankings.

Top 10 Major Car Insurance Companies in Colorado Ranked by Value

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

Top 10 Major Car Insurance Companies in Colorado Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Top Companies for Toyota RAV4 Insurance in Colorado

Discount Colorado car insurance

Insurance companies that offer coverage for a Toyota RAV4 could also offer discounts that can lower rates by as much as 30% if you are eligible to receive them. A few popular companies and some of the premium reductions they offer are detailed below.

The illustration below shows the comparison of car insurance costs with and without discounts applied. The data is based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, multiple vehicle, anti-theft, claim-free, multiple policy, and safe-driver discounts applied. When these discounts are applied, the the average amount saved on auto insurance for a Toyota RAV4 is 28% or $627.

Illustration showing the impact of accidents and violations

The common sense way to get cheap auto insurance premiums in Colorado for a RAV4 is to drive carefully and avoid accidents and violations. The illustration below demonstrates how speeding tickets and at-fault fender-benders impact insurance costs for different insured age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy in Colorado per year with no accidents and a clean driving record is $1,506. Get written up for one speeding ticket and the average cost rises to $1,756, an increase of $250 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota RAV4 in Colorado goes up to an average of $2,451. That's an increase of $946, or $79 per month, just for a couple of infractions!

The information below illustrates how your choice of deductibles can influence yearly insurance costs when quoting cheap insurance for a Toyota RAV4 in Colorado. The rates are based on a married female driver, full coverage, and no discounts are applied.

As shown above, a 30-year-old driver could save $334 a year by increasing from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices $712 or more by selecting a higher deductible. When choosing a higher deductible, it will be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.