Who Has Affordable Car Insurance for a Toyota RAV4 in Kansas City?

Finding affordable insurance for a Toyota RAV4 is pretty simple, but it is dependent upon a very complex rating algorithm that uses multiple factors such as the safety rating of your vehicle, if you have recent claims, and citations or violations on your driving record. Drivers in Missouri pay approximately $751 a year to insure their RAV4, but that price is an estimation using a 50-year-old married female driver with full coverage and $100 deductibles.

But there is a high likelihood that you may not be 50 years old (or even female), single instead of married, and maybe you want different deductibles. Even a minor change in rating variables could end up in a significant change in the cost of insurance for a Toyota RAV4.

Everone’s needs are different, and this illustrates why the best method for finding the cheapest rates for your Toyota is to compare as many rates as you can.

Cheapest Toyota RAV4 Insurance Rates

Toyota RAV4 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RAV4 2WD $176 $344 $250 $14 $74 $858 $72
RAV4 Sport 2WD $176 $344 $250 $14 $74 $858 $72
RAV4 4WD $176 $344 $250 $14 $74 $858 $72
RAV4 Limited 2WD $176 $344 $250 $14 $74 $858 $72
RAV4 Limited 4WD $176 $344 $250 $14 $74 $858 $72
RAV4 Limited 4WD $176 $344 $250 $14 $74 $858 $72
RAV4 Sport 4WD $176 $344 $250 $14 $74 $858 $72
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in Kansas City location which can raise or lower premium rates substantially.

Finding reliable, budget insurance is not easy, and figuring out which companies quote the cheapest auto insurance rates for a Toyota RAV4 calls for even more work.

Every insurance company has their own formula for setting rates, so we’ll go over the auto insurance companies that tend to be cheaper in Missouri.

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Cheapest auto insurance in Missouri ranked by cost per year
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $809
3 Allied $841
4 Electric $875
5 Travelers $1,008
6 Auto-Owners $1,037
7 MO Farm Bureau $1,063
8 Nationwide $1,109
9 Farmers $1,151
10 Cameron Mutual $1,190
11 State Farm $1,271
12 American Family $1,291
13 Safeco $1,384
14 GEICO $1,392
15 Safe Auto $1,405
16 MetLife $1,415
17 Shelter $1,419
18 Progressive $1,424
19 California Casualty $1,469
20 Auto Club $1,518
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USAA may offer some of the best car insurance rates in Kansas City at around $668 each year. This is $594 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers also rank well as some of the lowest-priced Kansas City, MO insurance companies.

In this example, if you currently have coverage with The Hartford and switched to USAA, you might realize savings of upwards of $141. Insureds with Allied might save as much as $173 a year, and Electric insureds might cut rates by $207 a year.

It’s important to note that these premiums are averages for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for a Toyota RAV4. So the company that has the cheapest rates for you may not even be in the top 23 companies shown above. That’s why you need to get quotes using your own driver information and specific vehicle type.

Types of discounts on Kansas City insurance

Save on auto insurance for a RAV4 in Kansas CityInsurers that provide coverage for a Toyota RAV4 may have price discounts that could potentially reduce rates by 35% or more if you are eligible. A few popular companies and a selection of discounts are detailed below.

The illustration below compares insurance costs with and without some available policy discounts. The rates are based on a male driver, no violations or claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, anti-theft, multiple vehicle, defensive driving course, vehicle safety, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for a Toyota RAV4 is 28% or $412.

Should you buy full coverage?

Finding cheaper auto insurance should be important to the majority of vehicle owners, and one good way to buy cheap insurance for a Toyota RAV4 is to only buy liability insurance. The example below compares yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The price estimates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied.

If we average all the age groups together, full coverage on your policy costs an additional $1,491 per year more than carrying just liability coverage. That may make you wonder if it’s a good idea to buy full coverage. There is no clear-cut rule for dropping physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Cautious drivers save money

The ideal way to score the best auto insurance rates in Kansas City for a RAV4 is to be a good driver and not get tickets or have accidents. The illustration below highlights how traffic violations and accident claims impact insurance premiums for different age categories. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy in Missouri per year with no violations or accidents is $1,491. Factor in two speeding tickets and the average cost swells to $1,969, an increase of $479 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota RAV4 goes up to an average of $3,832. That’s an increase of $2,342, or $195 per month, just for being a little careless behind the wheel!