Locating better insurance prices for a new or used Toyota Rav4 in Ohio could be an all-consuming task, but you can use our auto insurance buying tips to save time.
There is a better way to compare auto insurance rates so you’re going to learn the absolute fastest way to get price quotes for your Toyota and locate the lowest price from Columbus insurance agents and online providers.
You should make it a habit to compare premium rates periodically since prices are constantly changing. Even if you got the best rates on Toyota Rav4 insurance in Columbus a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to buy cheaper Toyota Rav4 insurance in Columbus.
The quickest way to compare policy rates for Toyota Rav4 insurance in Columbus is to know most larger insurance companies have advanced systems to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details such as whether your vehicle is owned or leased, what your job is, if your license is active, and whether you are married. Those rating factors is then submitted to multiple companies and they return quotes with very little delay.
To compare rates for your Toyota Rav4 now, click here and find out if you can get cheaper insurance in Columbus.
The car insurance companies shown below offer free rate quotes in Ohio. If multiple companies are listed, we suggest you click on several of them to find the most competitive car insurance rates.
Rates and detailed analysis
The table shown next covers different coverage prices for Toyota Rav4 models. Understanding how auto insurance premiums are determined can help drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RAV4 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Sport 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Sport 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Sport 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Sport 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 4WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| RAV4 Limited 2WD | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can impact auto insurance rates substantially.
The diagram below highlights how deductible choice and can change Toyota Rav4 insurance rates for different categories of driver ages. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied.
Toyota Rav4 insurance rates: Men versus women
The diagram below visualizes the comparison of Toyota Rav4 insurance premiums for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied.
Insurance discounts help lower rates for Toyota Rav4 insurance in Columbus
Companies don’t list every discount they offer in a way that’s easy to find, so the following is a list of both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy Columbus auto insurance online.
- Pay Upfront and Save – By making one initial payment rather than spreading payments over time you could save 5% or more.
- Early Switch Discount – A few companies offer discounts for switching policies before your current coverage expires. You may see this discount when you get Columbus auto insurance quotes online.
- Multi-Vehicle Discounts – Insuring multiple vehicles on the same insurance policy qualifies for this discount.
- Discount for Passive Restraints – Factory air bags or automatic seat belts could see savings as much as 30%.
- Accident Forgiveness – This one is not really a discount per se, but a few companies such as GEICO, State Farm, and Progressive will forgive one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies don’t profit that way.
The chart below visualizes the comparison of Toyota Rav4 auto insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, homeowner, multi-policy, and claim-free discounts applied.
Popular insurance companies and some of the discounts are detailed below.
- GEICO discounts include seat belt use, five-year accident-free, multi-policy, federal employee, defensive driver, and good student.
- Travelers offers premium reductions for payment discounts, home ownership, driver training, new car, multi-policy, good student, and save driver.
- Farm Bureau offers discounts including youthful driver, good student, driver training, 55 and retired, safe driver, multi-policy, and renewal discount.
- Liberty Mutual may offer discounts for new graduate, hybrid vehicle, newly retired, teen driver discount, safety features, and new vehicle discount.
- American Family policyholders can earn discounts including bundled insurance, multi-vehicle, mySafetyValet, early bird, and accident-free.
- Progressive has savings for continuous coverage, homeowner, multi-vehicle, multi-policy, good student, and online quote discount.
Check with all companies you are considering which discounts you may be entitled to. A few discounts might not be available to policyholders in your area. If you would like to see a list of providers that have a full spectrum of discounts in Columbus, follow this link.
Three good reasons to insure your Toyota vehicle
Despite the high insurance cost for a Toyota Rav4 in Columbus, maintaining insurance is required in Ohio but also provides important benefits.
First, the majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Rav4 has a loan, almost every bank will stipulate that you buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Toyota at a much higher premium rate and require you to fork over the higher price.
Third, insurance safeguards not only your Toyota but also your financial assets. Insurance will pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your Rav4 outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying more than $855 a year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.
Do I just need basic coverages?
Always remember that when buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that.
For example, these questions may help you determine if you would benefit from professional advice.
- Does my medical payments coverage pay my health insurance deductible?
- I have a DUI can I still get coverage?
- Do I need special coverage while pulling a rented trailer?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What is the minimum liability in Ohio?
- Why is insurance for a teen driver so high in Columbus?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.
When to have guidance from an insurance agency
Many drivers just want to have an agent’s advice and that is a smart decision Most agents are trained risk managers and help you file claims. An additional benefit of comparing rates online is you may find cheap insurance rates and still buy from a local agent. Buying insurance from local agents is definitely important in Columbus.
To find an agent, once you fill out this quick form, the quote information is sent to insurance agents in Columbus that can provide free Columbus auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to drive around as quotes are delivered to you. If you have a need to compare prices from a specific company, feel free to jump over to their website and give them your coverage information.
The following are agents in Columbus that are able to give price quotes for Toyota Rav4 insurance in Columbus.
- AA Affordable Insurance Agency of Ohio
1180 W Broad St – Columbus, OH 43222 – (614) 221-7007 – View Map - Bruce Rothermund – State Farm Insurance Agent
50 Northwoods Blvd – Columbus, OH 43235 – (614) 888-5830 – View Map - Wiles Insurance Agency
348 Granville St – Gahanna, OH 43230 – (614) 536-0370 – View Map - Ray Cook – State Farm Insurance Agent
7846 Olentangy River Rd – Columbus, OH 43235 – (614) 846-2886 – View Map
Picking a company requires you to look at more than just the bottom line cost. These are some valid questions you should ask.
- Is there a 24/7 contact number?
- Is the agent and/or agency licensed to do business in Ohio?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Can you choose the body shop in case repairs are needed?
- What is their Better Business Bureau rating?
- Will their companies depreciate repairs to your car based on the mileage?
- Can they give you a list of client referrals?
After talking to the agent and getting acceptable answers to any questions you have as well as a affordable price, chances are good that you have found a company that can be trusted to adequately provide insurance. But keep in mind once you purchase a policy you can cancel your coverage whenever you want so never assume that you are permanently stuck with any specific agency for the entire policy term.