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2001 Toyota RAV4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 29, 2021

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Average insurance rates for a 2001 Toyota RAV4 are $864 a year for full coverage insurance. Comprehensive costs around $120, collision insurance costs $144, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,856. Teen drivers receive the highest rates at up to $3,588 a year.

Annual premium for full coverage: $864

Rate estimates for 2001 Toyota RAV4 Insurance

Comprehensive $120
Collision $144
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2001 Toyota RAV4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $496 for just liability coverage to the much higher price of $1,856 for high-risk insurance.

Liability Only $496
Full Coverage $864
High Risk $1,856

View Chart as Image

2001 Toyota RAV4 insurance rates compared
Column chart showing 2001 Toyota RAV4 insurance prices range from $537 to $3,588 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2001 Toyota RAV4 Insurance

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Finding the cheapest insurance for a new or used Toyota RAV4 could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Toyota and locate the best price possible either online or from local insurance agents.

The best way we recommend to compare car insurance rates is to understand almost all companies will pay a fee to compare rate quotes. All you need to do is provide details like an estimate of your credit level, if your license is active, any included safety features, and what your job is. Your details is submitted instantly to insurance carriers in your area and you should receive rate quotes quickly.

To find lower rates now, click here and enter your zip code.

Discounts on 2001 Toyota RAV4 insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be manually applied in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce your overall premium however.

A partial list of companies that may offer these money-saving discounts include:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Liberty Mutual

Check with each insurance company what discounts are available to you. Some discounts may not apply in every state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine whether you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • What can I do if my company denied a claim?
  • Do I need higher collision deductibles?
  • Does liability extend to a camper or trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – This provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like EMT expenses, chiropractic care, funeral costs and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your RAV4 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota RAV4.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Save for a rainy day

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.

In this article, we presented many tips how you can shop for 2001 Toyota RAV4 insurance online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with some of the smallest insurance companies.

People who switch companies do it for many reasons like denial of a claim, policy non-renewal, delays in responding to claim requests and policy cancellation. It doesn’t matter why you want to switch finding the right insurance coverage provider is less work than it seems.

Other learning opportunities

Rates by U.S. City

2001 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,371
Los Angeles, CA $1,479
Philadelphia, PA $1,156
Jacksonville, FL $1,257
Phoenix, AZ $1,008
Chicago, IL $1,159
Houston, TX $1,355
Seattle, WA $844
Columbus, OH $726
Indianapolis, IN $737

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2001 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,588
20 $1,982
30 $872
40 $864
50 $796
60 $778

Full coverage, $500 deductibles

Rates by Deductible

2001 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $978
$250 $926
$500 $864
$1,000 $804

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $864
50/100 $952
100/300 $1,063
250/500 $1,350
100 CSL $997
300 CSL $1,240
500 CSL $1,417

Full coverage, driver age 40

Rates for High Risk Drivers

2001 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,022
20 $3,152
30 $1,862
40 $1,856
50 $1,776
60 $1,758

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $113

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $49
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $36
Online Quote $56
Total Discounts $327
Rate after discounts $537

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2001 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $784
Alaska $664
Arizona $720
Arkansas $864
California $986
Colorado $828
Connecticut $890
Delaware $978
Florida $1,084
Georgia $798
Hawaii $622
Idaho $586
Illinois $644
Indiana $652
Iowa $582
Kansas $822
Kentucky $1,180
Louisiana $1,280
Maine $532
Maryland $714
Massachusetts $692
Michigan $1,504
Minnesota $724
Mississippi $1,036
Missouri $768
Montana $930
Nebraska $684
Nevada $1,036
New Hampshire $624
New Jersey $968
New Mexico $768
New York $914
North Carolina $498
North Dakota $708
Ohio $600
Oklahoma $890
Oregon $792
Pennsylvania $826
Rhode Island $1,156
South Carolina $784
South Dakota $732
Tennessee $760
Texas $1,042
Utah $642
Vermont $592
Virginia $518
Washington $670
West Virginia $792
Wisconsin $600
Wyoming $772

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