How Much are Car Insurance Quotes for a Toyota RAV4 in Aurora?

Buying economical car insurance for a Toyota RAV4 can be pretty simple, but it hinges on lots of different factors such as whether you are married or single, your address, and if you have a history of accidents. Colorado drivers will pay on average $1,068 annually to insure their RAV4, but that cost is an estimation calculated based on a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

But there is a high probability that you are not 50 years old and maybe not even female, married instead of single, or maybe you just want liability only instead of full coverage. Having different needs demonstrates why the only real way to find cheap auto insurance rates for your Toyota is to compare as many rates as possible. To cut your rates now, get a free quote and you will receive rate quotes from some of the best companies that insure vehicles in Colorado.

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Toyota RAV4 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 Sport 2WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 4WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 Limited 2WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 Limited 4WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 Limited 4WD $234 $448 $396 $24 $118 $1,220 $102
RAV4 Sport 4WD $234 $448 $396 $24 $118 $1,220 $102
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific zip code location which can lower or raise insurance rates substantially.

Deciding which insurers offer the cheapest insurance rates for a Toyota RAV4 will involve a little more effort in order to find coverage that fits your budget.

Every insurance company uses a different method for setting rates, so let’s rank the most competitive insurance companies in Aurora, CO. It’s important to know that Aurora, CO insurance rates are impacted by many factors that can increase your annual premium. Simply turning a year older, increasing deductibles, or getting a ticket for running a stop sign can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

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Rankings for the cheapest car insurance companies in Colorado
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $958
3 USAA $999
4 GEICO $1,141
5 Nationwide $1,155
6 Auto-Owners $1,168
7 Travelers $1,207
8 State Farm $1,222
9 American Family $1,314
10 Amica $1,340
11 Progressive $1,376
12 Allied $1,453
13 California Casualty $1,488
14 Farmers $1,565
15 Colorado Farm Bureau $1,624
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,231
19 Safeco $2,447
20 Titan $2,711
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The Hartford offers some of the best car insurance rates in Aurora at around $825 per year. This is $753 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also some of the more affordable Aurora, CO car insurance companies.

As illustrated above, if you are currently insured with GEICO and switched to Grange, you might realize yearly savings of about $183. Drivers with Nationwide may save as much as $197 a year, and Auto-Owners policyholders might reduce prices by as much as $210 a year.

Remember that these rates are averages for all ages of drivers and types of vehicles and and are not calculated with a vehicle location for a Toyota RAV4. So the insurer that has the cheapest price for you may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Safe drivers pay less for insurance

The recommended way to earn the best insurance premiums in Colorado for a RAV4 is to drive safe and avoid accidents and traffic citations. The chart below demonstrates how traffic citations and accidents impact annual premium costs for each age group. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the previous example, the average cost of car insurance in Colorado per year with no violations or accidents is $1,666. Add in two speeding tickets and the average cost rises to $2,217, an increase of $551 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Toyota RAV4 increases to an average of $4,524. That’s an increase of $2,857, or $238 per month, just for a couple of infractions!

Why you should be shopping around

Colorado insurance rates are impacted by many factors which can significantly increase or decrease the cost of a policy. Turning one year older, getting married, or having an accident may generate price changes that can cause some rates to be cheaper than competitors.

In addition to those changes, auto insurance companies change rates every year or even multiple times each year in order to remain profitable. Significantly higher claims can cause rate increases, while lower claim levels may produce more affordable RAV4 insurance rates.

To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Aurora, CO for a 40-year-old male driver with no accidents or violations, and a decent credit rating. When quoting prices based on his current risk factors, The Hartford offers the lowest car insurance rates in Aurora at $1,111 annually. This is $467 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also make the list of the top five cheapest Aurora, CO auto insurance companies.

Now we will pretend the driver in the first example a claim surcharge, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurer has their own formula to set premium rates, analyzing rate quotes will most likely result in a significantly different list of the cheapest companies as shown below.

Travelers now has the best auto insurance rate in Aurora with State Farm, American Family, Progressive, and Amica completing the list. This illustrates why consumers need to perform an extensive rate comparison when trying to get cheap insurance rates for a Toyota RAV4.

Insurance rates consist of many risk factors and can change without notice, so the best company a year ago may now be quite expensive.