Toyota RAV4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 1, 2024
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Is a Toyota RAV4 expensive to insure? The average cost to insure a Toyota RAV4 is $1,324 a year, or $110 a month. While these rates will depend on the model year, as 2015 Toyota RAV4 insurance costs will be different than 2020 Toyota RAV4 insurance costs, the rates shouldn’t be drastically different.
Read on to learn about what drivers can do to secure cheap car insurance and save on Toyota RAV4 insurance rates.
Before you buy Toyota Rav4 car insurance, shop around to find out how much does it cost to insure a Rav4 in your area.
If you want to leap right into finding the best, affordable Toyota RAV4 car insurance quotes, enter your five-digit ZIP code into our FREE online quote tool above.
Average auto insurance rates for a Toyota RAV4 are $1,304 annually for full coverage. Comprehensive costs on average $270 each year, collision costs $478, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing around $2,816. Teen drivers receive the highest rates at $4,906 a year or more.
Average premium for full coverage: $1,304
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and RAV4 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $460 for your basic liability-only policy to a high rate of $2,816 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas.
The graphic below illustrates how geographic area affects car insurance rates.
These examples show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Toyota RAV4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $756
- Choosing higher $1,000 deductibles can save around $172 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,304
- Choosing low deductibles for comp and collision coverage will cost $1,630
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,816 or more
- The cost with full coverage for a teen driver may cost $4,906 each year
Insurance rates for a Toyota RAV4 can also vary considerably based on the trim level of your RAV4, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $500 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota RAV4 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $1,000 | -$304 | -23.3% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,244 | -$60 | -4.6% |
| Connecticut | $1,340 | $36 | 2.8% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $980 | -$324 | -24.8% |
| Iowa | $880 | -$424 | -32.5% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,780 | $476 | 36.5% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $804 | -$500 | -38.3% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,092 | -$212 | -16.3% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,156 | -$148 | -11.3% |
| Montana | $1,400 | $96 | 7.4% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $940 | -$364 | -27.9% |
| New Jersey | $1,458 | $154 | 11.8% |
| New Mexico | $1,154 | -$150 | -11.5% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $902 | -$402 | -30.8% |
| Oklahoma | $1,340 | $36 | 2.8% |
| Oregon | $1,194 | -$110 | -8.4% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,182 | -$122 | -9.4% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,570 | $266 | 20.4% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,008 | -$296 | -22.7% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $902 | -$402 | -30.8% |
| Wyoming | $1,160 | -$144 | -11.0% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,260 | $105 |
| Toyota RAV4 Sport 2WD | $1,304 | $109 |
| Toyota RAV4 4WD | $1,304 | $109 |
| Toyota RAV4 Limited 2WD | $1,344 | $112 |
| Toyota RAV4 Limited 4WD | $1,344 | $112 |
| Toyota RAV4 Limited 4WD | $1,344 | $112 |
| Toyota RAV4 Sport 4WD | $1,344 | $112 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 | $280 | $482 | $390 | $1,310 |
| 2023 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
| 2022 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2021 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2020 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2019 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2018 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2017 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2016 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2015 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2014 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2012 Toyota RAV4 | $166 | $228 | $478 | $1,030 |
| 2011 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2010 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2009 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2008 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2007 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2006 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2005 Toyota RAV4 | $120 | $144 | $442 | $864 |
Rates are averaged for all Toyota RAV4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Toyota RAV4 Insurance
Saving money on car insurance takes being a good driver, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a quick review of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,510 more each year than a safer driver
- Drivers can save as much as $160 per year simply by quoting online in advance
- Increasing deductibles could save up to $500 each year
- Policyholders who require an increased level of liability coverage will pay about $440 each year to raise limits from a minimum limit to higher 250/500 limits
If you want to know what is the average price of a Toyota RAV4 based on your record and age, shop around to find cheap Toyota RAV4 rates.
The average insurance cost for a Toyota RAV4 will depend on your model year as well, as 2018 RAV4 insurance costs will be different than Toyota RAV4 2007 costs. When looking for Toyota Rav4 car insurance, the company you select will look at all of these criteria and more.
To reduce your rates, enter your ZIP code in our free online tool below to find cheap RAV4 auto insurance.
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What are the safety ratings of the Toyota RAV4?
Great safety ratings and features can help reduce your Toyota RAV4 car insurance rates. Some of the best safety features on the Toyota RAV4 include multiple airbags, brake assist, blind-spot monitor, lane departure warning and assist, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) also gave the Toyota RAV4 a 2020 Top Safety Pick award. Take a look at the safety ratings for the crash tests on the Toyota RAV4 below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Curious how the IIHS crash tests vehicles? Watch the video below.
See more details about the Toyota RAV4 crash test ratings from the National Highway Traffic Safety Administration in the table below.
Toyota RAV4 Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 PRIME SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2013 Toyota Rav4 SUV FWD Later Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2012 Toyota RAV4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota RAV4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota RAV4 SUV FWD | 3 stars | 3 stars | 4 stars | 4 stars |
| 2011 Toyota RAV4 SUV AWD | 3 stars | 3 stars | 4 stars | 4 stars |
A 5-star rating is the best possible score given by the National Highway Traffic Safety Administration. Overall, the Toyota RAV4 performed well. However, newer models received slightly better results than older models.
Toyota RAV4 Compared Against Other Vehicles in the Same Class
How much does it cost to insure a Toyota RAV4 with liability insurance? The answer depends on the liability losses. The IIHS found that in comparison to other small SUVs, the Toyota RAV4 has average liability losses.
See more specific details about the Toyota RAV4 insurance loss probability in the table below.
Toyota RAV4 Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -8% |
| Property Damage | -5% |
| Comprehensive | -23% |
| Personal Injury | 32% |
| Medical Payment | 19% |
| Bodily Injury | -5% |
The lower the number, the better the insurance loss ratio. As previously mentioned, the Toyota RAV4 is average in almost every category. However, the personal injury insurance loss ratio is substantially worse than average.
To see how other small SUVs’ rates compare to the Toyota RAV4’s rates, check out the SUVs below.
You are now an expert on securing affordable Toyota RAV4 car insurance rates. Are you ready to start shopping for your best rate?
To save on insurance rates, make sure to shop around, whether you are wondering about RAV4 insurance rates in Ontario or how much should you pay for a 2018 Toyota RAV4 coverage plan.
To get started, just enter your five-digit ZIP code into our FREE online quote tool to find the best Toyota RAV4 insurance rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,906 |
| 20 | $3,006 |
| 30 | $1,356 |
| 40 | $1,304 |
| 50 | $1,190 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,480 |
| $500 | $1,304 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,424 |
| 100/300 | $1,523 |
| 250/500 | $1,782 |
| 100 CSL | $1,463 |
| 300 CSL | $1,682 |
| 500 CSL | $1,842 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,984 |
| 20 | $4,782 |
| 30 | $2,874 |
| 40 | $2,816 |
| 50 | $2,688 |
| 60 | $2,664 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $548 |
Discounts are estimated and may not be available from every company or in every state.
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