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2005 Toyota RAV4 Insurance Rates

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

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 2005 Toyota RAV4 are $938 a year for full coverage insurance. Comprehensive insurance costs around $142, collision costs $170, and liability coverage costs around $468. Buying a liability-only policy costs as low as $518 a year, with high-risk insurance costing $2,020 or more. Teenage drivers receive the highest rates at $3,850 a year or more.

Annual premium for full coverage: $938

Rate estimates for 2005 Toyota RAV4 Insurance

Comprehensive $142
Collision $170
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 driver in their 40's, prices range go from as low as $518 for just liability coverage to the much higher price of $2,020 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $938
High Risk $2,020

View Chart as Image

2005 Toyota RAV4 insurance rates compared
Column chart showing 2005 Toyota RAV4 insurance prices range from $577 to $3,850 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.

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 2005 Toyota RAV4 Insurance

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Finding better insurance prices for a new or used Toyota RAV4 could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to get price quotes for a Toyota and locate the lowest price from both online companies and local agents.

Insurance Coverage Comparison Rates

Getting better 2005 Toyota RAV4 insurance coverage pricing is not rocket science. The only requirement is to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The most efficient way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate quotes for each company. In just a few minutes this one form will return quotes instantly. Just one form and you’re done.
  • A harder way to get comparison quotes is to take the time to go to each company’s website to complete a price quote. For instance, let’s assume you want to compare Nationwide, Liberty Mutual and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.

Which method you use is up to you, but ensure you’re using exactly the same coverage information on every quote. If your comparisons have different liability limits it will be very difficult to make a fair comparison for your Toyota RAV4.

Tailor your coverage to you

When choosing the best insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Should I sign the liability waiver when renting a car?
  • How can I force my company to pay a claim?
  • Am I covered if I crash into my own garage door?
  • When can I cancel my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, pain medications, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays for damage to your RAV4 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability

Liability coverage provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Rates by U.S. City

2005 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,485
Los Angeles, CA $1,605
Philadelphia, PA $1,252
Jacksonville, FL $1,364
Phoenix, AZ $1,092
Chicago, IL $1,264
Houston, TX $1,472
Seattle, WA $917
Columbus, OH $787
Indianapolis, IN $798

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,850
20 $2,146
30 $952
40 $938
50 $864
60 $844

Full coverage, $500 deductibles

Rates by Deductible

2005 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,072
$250 $1,012
$500 $938
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,032
100/300 $1,149
250/500 $1,453
100 CSL $1,078
300 CSL $1,336
500 CSL $1,523

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,404
20 $3,420
30 $2,028
40 $2,020
50 $1,930
60 $1,910

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $361
Rate after discounts $577

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

Find companies with the cheapest rates in your area

2005 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $850
Alaska $720
Arizona $780
Arkansas $938
California $1,070
Colorado $900
Connecticut $968
Delaware $1,064
Florida $1,176
Georgia $866
Hawaii $674
Idaho $636
Illinois $702
Indiana $706
Iowa $634
Kansas $894
Kentucky $1,280
Louisiana $1,390
Maine $582
Maryland $772
Massachusetts $752
Michigan $1,632
Minnesota $784
Mississippi $1,126
Missouri $834
Montana $1,010
Nebraska $742
Nevada $1,126
New Hampshire $678
New Jersey $1,050
New Mexico $834
New York $990
North Carolina $542
North Dakota $770
Ohio $650
Oklahoma $966
Oregon $860
Pennsylvania $894
Rhode Island $1,254
South Carolina $850
South Dakota $794
Tennessee $824
Texas $1,132
Utah $694
Vermont $642
Virginia $562
Washington $728
West Virginia $860
Wisconsin $650
Wyoming $838

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