Toyota RAV4 Insurance Rates

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Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

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UPDATED: Jun 4, 2023

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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 $1,030 annually including full coverage. Comprehensive costs on average $166, collision costs $228, and liability coverage is estimated at $478. A policy with just liability insurance costs approximately $526 a year, with coverage for high-risk drivers costing around $2,222. 16-year-old drivers receive the highest rates at $4,154 a year or more.

Average premium for full coverage: $1,030

Rate estimates by individual coverage type:

Comprehensive $166
Collision $228
Liability $478

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different RAV4 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $526 for just the minimum liability insurance to a much higher rate of $2,222 for coverage for higher-risk drivers.

Liability Only $526
Full Coverage $1,030
High Risk $2,222

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using rate 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.

Additional Rate Analysis

The chart below breaks down estimated Toyota RAV4 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $623
  • Choosing higher $1,000 deductibles can save around $90 every year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,030
  • Buying more expensive low deductibles for comp and collision coverage will cost $1,202
  • Drivers with multiple tickets or accidents could pay upwards of $2,222 or more
  • The cost with full coverage for a teenage driver with full coverage may cost $4,154 each year

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 insurance rates range from $623 to $4,154

Insurance rates for a Toyota RAV4 can also vary considerably based on the trim level of your RAV4, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 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 $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,800 additional per year, depending on your age. High-risk driver insurance ranges around 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $270 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota RAV4 insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,470 on average in Michigan, New York, and Louisiana.

Toyota RAV4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $932 -$98 -9.5%
Alaska $792 -$238 -23.1%
Arizona $856 -$174 -16.9%
Arkansas $1,030 -$0 0.0%
California $1,174 $144 14.0%
Colorado $984 -$46 -4.5%
Connecticut $1,062 $32 3.1%
Delaware $1,166 $136 13.2%
Florida $1,290 $260 25.2%
Georgia $952 -$78 -7.6%
Hawaii $740 -$290 -28.2%
Idaho $698 -$332 -32.2%
Illinois $768 -$262 -25.4%
Indiana $776 -$254 -24.7%
Iowa $694 -$336 -32.6%
Kansas $982 -$48 -4.7%
Kentucky $1,408 $378 36.7%
Louisiana $1,524 $494 48.0%
Maine $636 -$394 -38.3%
Maryland $850 -$180 -17.5%
Massachusetts $826 -$204 -19.8%
Michigan $1,794 $764 74.2%
Minnesota $864 -$166 -16.1%
Mississippi $1,236 $206 20.0%
Missouri $916 -$114 -11.1%
Montana $1,108 $78 7.6%
Nebraska $814 -$216 -21.0%
Nevada $1,236 $206 20.0%
New Hampshire $742 -$288 -28.0%
New Jersey $1,154 $124 12.0%
New Mexico $912 -$118 -11.5%
New York $1,086 $56 5.4%
North Carolina $594 -$436 -42.3%
North Dakota $844 -$186 -18.1%
Ohio $712 -$318 -30.9%
Oklahoma $1,058 $28 2.7%
Oregon $944 -$86 -8.3%
Pennsylvania $984 -$46 -4.5%
Rhode Island $1,376 $346 33.6%
South Carolina $934 -$96 -9.3%
South Dakota $870 -$160 -15.5%
Tennessee $904 -$126 -12.2%
Texas $1,244 $214 20.8%
Utah $766 -$264 -25.6%
Vermont $706 -$324 -31.5%
Virginia $618 -$412 -40.0%
Washington $796 -$234 -22.7%
West Virginia $944 -$86 -8.3%
Wisconsin $714 -$316 -30.7%
Wyoming $920 -$110 -10.7%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Toyota RAV4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota RAV4 2WD $1,008 $84
Toyota RAV4 Sport 2WD $1,030 $86
Toyota RAV4 4WD $1,030 $86
Toyota RAV4 Limited 2WD $1,054 $88
Toyota RAV4 Limited 4WD $1,054 $88
Toyota RAV4 Limited 4WD $1,054 $88
Toyota RAV4 Sport 4WD $1,054 $88

Rates assume 2011 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.

Toyota RAV4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota RAV4 $250 $446 $430 $1,284
2019 Toyota RAV4 $238 $430 $442 $1,268
2018 Toyota RAV4 $228 $400 $452 $1,238
2017 Toyota RAV4 $218 $376 $456 $1,208
2016 Toyota RAV4 $210 $338 $460 $1,166
2015 Toyota RAV4 $196 $310 $460 $1,124
2014 Toyota RAV4 $190 $292 $464 $1,104
2012 Toyota RAV4 $172 $252 $474 $1,056
2011 Toyota RAV4 $166 $228 $478 $1,030
2010 Toyota RAV4 $156 $210 $474 $998
2009 Toyota RAV4 $146 $190 $474 $968
2008 Toyota RAV4 $142 $170 $468 $938
2007 Toyota RAV4 $140 $166 $460 $924
2006 Toyota RAV4 $136 $160 $452 $906
2005 Toyota RAV4 $126 $152 $446 $882
2004 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 Cheaper Toyota RAV4 Insurance

Saving money on auto insurance takes being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were covered above.

  • You may be able to save as much as $120 per year simply by shopping early and online
  • Drivers with multiple at-fault accidents pay on average $1,190 more each year to insure their RAV4
  • Increasing deductibles could save up to $250 each year
  • Teen drivers pay higher rates, as much as $346 per month if they have full coverage

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 TestedOverallFrontalSideRollover
2021 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 PRIME SUV AWDN/RN/RN/RN/R
2021 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV FWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV AWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2013 Toyota Rav4 SUV FWD Later Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2012 Toyota RAV4 SUV FWD4 stars4 stars5 stars4 stars
2012 Toyota RAV4 SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota RAV4 SUV FWD3 stars3 stars4 stars4 stars
2011 Toyota RAV4 SUV AWD3 stars3 stars4 stars4 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 CategoryLoss Rate
Collision-8%
Property Damage-5%
Comprehensive-23%
Personal Injury32%
Medical Payment19%
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

  1. https://www.iihs.org/ratings/vehicle/toyota/rav4-4-door-suv/2020

Rates by Driver Age

Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,154
20 $2,362
30 $1,048
40 $1,030
50 $948
60 $928

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,124
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,150
100/300 $1,269
250/500 $1,580
100 CSL $1,197
300 CSL $1,460
500 CSL $1,652

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,856
20 $3,768
30 $2,242
40 $2,222
50 $2,126
60 $2,104

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 $139

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $45
Online Quote $70
Total Discounts $407
Rate after discounts $623

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

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