1. Vehicles
  2. Toyota
  3. RAV4
  4. 2008 Model Year

2008 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 ...

Full Bio →

Written by

UPDATED: Nov 29, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2008 Toyota RAV4 are $1,030 a year for full coverage insurance. Comprehensive costs an estimated $166, collision costs $228, and liability insurance costs $478. Buying a liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,222. Teen drivers receive the highest rates at $4,154 a year or more.

Annual premium for full coverage: $1,030

Rate estimates for 2008 Toyota RAV4 Insurance

Comprehensive $166
Collision $228
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 go from as low as $526 for just liability coverage to the much higher price of $2,222 for high-risk insurance.

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

View Chart as Image

2008 Toyota RAV4 insurance rates compared
Column chart showing 2008 Toyota RAV4 insurance prices range from $623 to $4,154 for full coverage

These differences illustrate why everyone should compare rates for a targeted area 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 2008 Toyota RAV4 Insurance

Searching Companies

Searching for cheaper auto insurance rates for your Toyota RAV4? Nobody I know enjoys paying for auto insurance, particularly when they are paying too much. Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive lowest price

You should take the time to do rate comparisons at least once a year because insurance rates tend to go up over time. Despite the fact that you may have had the best rates for RAV4 insurance on your last policy you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn some guaranteed methods to save money.

If you are insured now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the most effective way to shop over the internet.

Take these nine discounts and save

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but less common discounts must be asked for before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • 55 and Retired – If you’re over the age of 55, you may receive better car insurance rates for RAV4 insurance.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay..

The quickest method to compare insurance rates in your area is to know the fact most of the bigger providers participate in online systems to compare their rates. All consumers are required to do is give them rating details including if you lease or own, if your license is active, whether or not you need a SR-22, and how much coverage you want. That information is sent automatically to many different companies and you will get price comparisons instantly.

To start a quote now, click here and enter your zip code.

Which policy gives me the best coverage?

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining whether you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • What is the ISO rating for a 2008 Toyota RAV4?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving on a suspended license?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as dental work, nursing services, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle, damage from flooding and fire damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, hitting a parking meter, driving through your garage door, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

When shopping online for insurance, never buy less coverage just to save a little money. Too many times, consumers will sacrifice full coverage only to discover later that it was a big mistake. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Cost effective 2008 Toyota RAV4 insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional information can be found at the links below

Rates by U.S. City

2008 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,629
Los Angeles, CA $1,761
Philadelphia, PA $1,378
Jacksonville, FL $1,496
Phoenix, AZ $1,198
Chicago, IL $1,382
Houston, TX $1,617
Seattle, WA $1,003
Columbus, OH $862
Indianapolis, IN $877

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 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

2008 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 $1,126
100/300 $1,245
250/500 $1,556
100 CSL $1,173
300 CSL $1,436
500 CSL $1,628

Full coverage, driver age 40

Rates for High Risk Drivers

2008 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.

Find companies with the cheapest rates in your area

2008 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $932
Alaska $792
Arizona $856
Arkansas $1,030
California $1,174
Colorado $984
Connecticut $1,062
Delaware $1,166
Florida $1,290
Georgia $952
Hawaii $740
Idaho $698
Illinois $768
Indiana $776
Iowa $694
Kansas $982
Kentucky $1,408
Louisiana $1,524
Maine $636
Maryland $850
Massachusetts $826
Michigan $1,794
Minnesota $864
Mississippi $1,236
Missouri $916
Montana $1,108
Nebraska $814
Nevada $1,236
New Hampshire $742
New Jersey $1,154
New Mexico $912
New York $1,086
North Carolina $594
North Dakota $844
Ohio $712
Oklahoma $1,058
Oregon $944
Pennsylvania $984
Rhode Island $1,376
South Carolina $934
South Dakota $870
Tennessee $904
Texas $1,244
Utah $766
Vermont $706
Virginia $618
Washington $796
West Virginia $944
Wisconsin $714
Wyoming $920

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles