Find Cheaper Toyota RAV4 Insurance Rates in Wisconsin

Enter your Wisconsin Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Nov 5, 2019

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Toyota RAV4 insurance

Whenever people write about car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance rates. Be that as it may, cheap auto insurance for a Toyota RAV4 can be extremely hard to find. Don’t let that discourage you, because we are going to show you how you can quote coverage that you can afford.

The chances of buying affordable coverage for a Toyota RAV4 in Wisconsin is contingent on a large number of factors like your financial responsibility, if you have prior claims, and if you have any chargeable driving offenses. Drivers in Wisconsin on average pay approximately $590 every 12 months to insure their RAV4, but that price is based upon a 50-year-old married female driver with full coverage and $250 deductibles.

If we were betting, you are not a 50-year-old female, single instead of married, or maybe you don’t qualify for the same discounts. Even a minor change in rating variables can precipitate large changes in the rate quoted for a Toyota RAV4.

Everyone has unique insurance needs, and this illustrates why the best method for finding cheap insurance rates for your Toyota is to regularly compare rates at renewal.

Enter your zip code below to view companies that have cheap auto insurance rates.

Toyota RAV4 Insurance Rates in Wisconsin
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $136 $248 $216 $12 $64 $676 $56
RAV4 Sport 2WD $136 $248 $216 $12 $64 $676 $56
RAV4 4WD $136 $248 $216 $12 $64 $676 $56
RAV4 Limited 2WD $136 $248 $216 $12 $64 $676 $56
RAV4 Limited 4WD $136 $248 $216 $12 $64 $676 $56
RAV4 Limited 4WD $136 $248 $216 $12 $64 $676 $56
RAV4 Sport 4WD $136 $248 $216 $12 $64 $676 $56
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can modify coverage prices significantly.

Insuring your vehicle with the highest-rated car insurance provider can be difficult considering how many companies provide coverage in Wisconsin. The company rank data shown next may help you analyze which providers you want to consider buying from.

The ratings below are for the largest companies in the United States, so smaller companies that only insure vehicles in Wisconsin are not factored into the list. To compare price quotes from these and other companies in Wisconsin, click here.

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Top 10 Large Auto Insurance Companies Overall in Wisconsin

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top Companies for Toyota RAV4 Insurance in Wisconsin

Enter your zip code below to view companies that have cheap auto insurance rates.

The example below demonstrates how deductible levels can raise or lower insurance costs when researching cheap insurance for a Toyota RAV4. The price estimates are based on a married female driver, full coverage, and no discounts are applied.

The data above shows that a 50-year-old driver could reduce rates by $188 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $284 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could roll back prices as much as $466 each year just by using higher deductibles. When raising deductibles, it will be required to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Poor driving habits will raise your auto insurance rates

The best way to maintain cheap auto insurance rates in Wisconsin for a RAV4 is to drive cautiously and avoid accidents and traffic citations. The diagram below shows how speeding tickets and accident claims can drive up yearly insurance costs for different insured age categories. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $979. Factor in two speeding tickets and the average cost rises to $1,341, an increase of $362 each year. Now add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota RAV4 increases to an average of $1,709. That’s an increase of $730, or $61 per month, just for not keeping your driving record clean!

Is State Farm, Geico, Progressive, or Allstate cheaper?

When shopping for insurance for a RAV4, four good companies to start with are State Farm, Geico, Progressive, and Allstate. All of them offer physical damage and liability coverage, but each has somewhat different options that may influence which company you choose. The table below compares and contrasts pricing and service ratings, as well as optional policy coverages that may be available in Wisconsin.

Comparison of Top Four U.S. Auto Insurance Companies
State Farm Geico Progressive Allstate
Customer Satisfaction 4th 1st 3rd 2nd
Overall Price 2nd 1st 3rd 4th
Discounts Available 3rd 2nd 4th 1st
Handling of Claims 2nd 3rd 4th 1st
Percent of U.S. market 18.3% 11.9% 9.1% 9.7%
Mechanical breakdown insurance No Yes Yes No
Accident forgiveness No Yes Yes Yes
New car replacement insurance No No No Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
Usage-based rating Yes No Yes Yes
Insure in Wisconsin Yes Yes Yes Yes
Insurance Agents Only from State Farm agents From a Geico agent or online Buy online or from an independent agent Can only buy from Allstate agents
Number of agents 18,000+ 150+ 30,000+ 11,000+
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How to find low-cost insurance for a Toyota RAV4

The list below details a few money-saving suggestions that can help Wisconsin drivers buy cheap car insurance.

  • You will pay more if you get tickets or have at-fault accidents
  • Drivers with good credit ratings often pay less
  • Bundle home and auto and earn a discount
  • Raise comprehensive and collision coverage deductibles
  • Prevent price hikes by avoiding at-fault accidents
  • Save money by staying claim-free
  • Shop around for cheaper prices

The last suggestion is notably important, as we emphasized in the prior information. Auto insurance prices change a lot, so drivers shouldn’t hesitate to buy from a different company if a cheaper rate is available. Having a favorite company is great, but it’s not a great idea if that dedication is costing big bucks every year. In just a few minutes you could shop around to find cheaper auto insurance for a Toyota RAV4.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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