How Much are Cincinnati Car Insurance Quotes for a Toyota RAV4?

Buying competitive car insurance for a Toyota RAV4 can be really easy, but it depends on lots of different rating factors such as how safe your vehicle is, your credit history, and your motor vehicle report. Drivers in Ohio pay approximately $749 annually to insure their RAV4, but that cost is an approximation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.

There’s a high likelihood you are not 30 and maybe not even a male, single instead of married, or maybe you prefer liability limits higher than required by Ohio state law. Having what appears to be a very minor change in the criteria used to calculate rates could end up in a significant change in the policy rate.

Different coverage needs are the reason why the only way to find cheap auto insurance rates for your Toyota is to compare rates from as many companies as possible. Quotes are free and you can get rates from top-rated companies in Ohio.

Insure Your Toyota for Less

Toyota RAV4 Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $196 $352 $226 $14 $68 $856 $71
RAV4 Sport 2WD $196 $352 $226 $14 $68 $856 $71
RAV4 4WD $196 $352 $226 $14 $68 $856 $71
RAV4 Limited 2WD $196 $352 $226 $14 $68 $856 $71
RAV4 Limited 4WD $196 $352 $226 $14 $68 $856 $71
RAV4 Limited 4WD $196 $352 $226 $14 $68 $856 $71
RAV4 Sport 4WD $196 $352 $226 $14 $68 $856 $71
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can alter coverage prices noticeably.

Determining which companies quote the cheapest insurance rates for a Toyota RAV4 involves a bit more work in order to find the best price.

Each auto insurer has their own unique process to set premium rates, so let’s rank the insurance companies that tend to be cheaper in Cincinnati, OH.

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Cheapest insurance companies in Ohio
Rank Company Cost Per Year
1 Utica National $635
2 Frankenmuth $680
3 Erie $681
4 Allied $690
5 Travelers $726
6 USAA $741
7 Merchants Insurance Group $748
8 Cincinnati Insurance $772
9 Grange Mutual $812
10 Motorists Mutual $824
11 General Casualty $837
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $866
15 Atlantic States $913
16 Westfield $936
17 Western Reserve $961
18 Progressive $962
19 Farmers $995
20 Auto-Owners $998
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Utica National may have some of the cheapest car insurance rates in Cincinnati at around $635 annually. Frankenmuth, Erie, Allied, and Travelers would also be considered some of the cheapest Cincinnati, OH insurance companies.

In the rate table above, if you are insured with Erie and switched to Utica National, you may realize a yearly savings of in the neighborhood of $46. Customers with Allied might save as much as $55 a year, and Travelers policyholders might see rate reductions of $91 a year.

To discover how much you can save, click here or quote rates from the companies below.

Be aware that those rates are averages across all insureds and vehicles and are not factoring in an exact vehicle garaging location for a Toyota RAV4. So the company that can offer you the lowest price may not even be in the list above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.

Full coverage versus liability only rates

Reducing the cost of insurance is probably important to the majority of vehicle owners, and a great way to buy cheaper insurance for a Toyota RAV4 is to only pay for liability coverage. The diagram below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The prices are based on no claims or violations, $250 deductibles, marital status is single, and no other discounts are factored in.

If we average all the age groups together, full coverage on your policy costs $1,421 per year over and above liability coverage. That raises the question if buying full coverage is worth the money. There isn’t a written rule to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 annually to have full coverage, then you may want to consider only buying liability coverage.

What aren’t you shopping around?

Ohio insurance rates are impacted by many things that control the price you pay for coverage. Turning one year older, getting married, or getting a reckless driving citation may generate price changes resulting in some companies being cheaper than others.

Not only that, but car insurance companies file new Ohio car insurance rates without warning to adjust for gains or losses. Significantly higher losses can result in higher prices, while profitable underwriting may cause cheaper RAV4 insurance rates.

The graph below shows the company with the cheapest car insurance in Cincinnati, OH for a 35-year-old female driver with no accidents, a clean driving record, and good financial standing. If we estimate prices based on her current risk factors, Utica National might quote the best car insurance rates in Cincinnati at $772 a year. This is $268 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remaining best Cincinnati, OH auto insurance companies.

The next chart shows rates after we give the driver from above an accident surcharge, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has a unique formula to establish rates, analyzing rate quotes could result in a different list of the cheapest Cincinnati car insurance companies as shown below.

Merchants Insurance Group now has the cheapest auto insurance in Cincinnati with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty now rounding out the top five. This example proves why it is critical to compare as many rates as possible when trying to get cheap auto insurance quotes for a Toyota RAV4.

Auto insurance prices can be determined by many factors and change frequently, so the most economical company two years ago may now be an over-priced policy.