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2009 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 2009 Toyota RAV4 are $1,056 a year with full coverage. Comprehensive costs on average $172 each year, collision costs $252, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,278. Teen drivers receive the highest rates at $4,232 a year or more.

Annual premium for full coverage: $1,056

Rate estimates for 2009 Toyota RAV4 Insurance

Comprehensive $172
Collision $252
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 $522 for basic liability insurance to a high rate of $2,278 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,056
High Risk $2,278

View Chart as Image

2009 Toyota RAV4 insurance rates compared
Column chart showing 2009 Toyota RAV4 insurance prices range from $635 to $4,232 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based 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 2009 Toyota RAV4 Insurance

Searching Companies

Looking for cheaper insurance coverage rates for your Toyota RAV4? No one in their right mind cherishes buying insurance coverage, in particular when they are paying too much. Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with ads and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to understand the most effective way to compare company rates online.

How much can you save with discounts?

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Paperwork-free – Some insurance companies will give a small break simply for signing digitally online.
  • Distant Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on RAV4 insurance than less cautious drivers.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Defensive Driver – Completing a course in driver safety could save 5% or more depending on where you live.

A little note about advertised discounts, many deductions do not apply the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

Car insurance companies who might offer these discounts include:

  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

Double check with each insurance company what discounts are available to you. All car insurance discounts may not apply in your area.

Factors determining your Toyota RAV4 insurance premium

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in better auto insurance rates.

  • Men are more aggressive – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both have accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Older drivers pay less – Teen drivers are known to be careless and easily distracted when driving so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • No coverage gaps is important – Letting your insurance expire will be a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies provide lower rates to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.

How much car insurance do I need?

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether or not you might need professional guidance.

  • Can I rent a car in Mexico?
  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • How high should deductibles be on a 2009 Toyota RAV4?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this formInsurance coverages explained

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Collision coverages – Collision coverage will pay to fix damage to your RAV4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Toyota RAV4.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for liability – This coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like bail bonds, legal defense fees, medical services, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, hospital visits, dental work, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, vandalism, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

Cheaper 2009 Toyota RAV4 insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

You just learned some good ideas how to compare insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

More learning opportunities

  • Understanding Car Crashes Video (iihs.org)
  • Auto Crash Statistics (Insurance Information Insitute)
  • What is a Telematics Device? (Allstate)
  • Prepare your Teens for Safe Driving (InsureUonline.org)

Rates by U.S. City

2009 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,668
Los Angeles, CA $1,803
Philadelphia, PA $1,411
Jacksonville, FL $1,534
Phoenix, AZ $1,226
Chicago, IL $1,415
Houston, TX $1,654
Seattle, WA $1,028
Columbus, OH $881
Indianapolis, IN $895

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,232
20 $2,422
30 $1,076
40 $1,056
50 $968
60 $950

Full coverage, $500 deductibles

Rates by Deductible

2009 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,240
$250 $1,154
$500 $1,056
$1,000 $958

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,056
50/100 $1,151
100/300 $1,269
250/500 $1,577
100 CSL $1,198
300 CSL $1,459
500 CSL $1,649

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,970
20 $3,866
30 $2,300
40 $2,278
50 $2,178
60 $2,156

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $66
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $72
Total Discounts $421
Rate after discounts $635

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

Find companies with the cheapest rates in your area

2009 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $954
Alaska $810
Arizona $876
Arkansas $1,056
California $1,202
Colorado $1,008
Connecticut $1,086
Delaware $1,196
Florida $1,322
Georgia $972
Hawaii $758
Idaho $712
Illinois $786
Indiana $792
Iowa $712
Kansas $1,004
Kentucky $1,440
Louisiana $1,562
Maine $652
Maryland $870
Massachusetts $844
Michigan $1,834
Minnesota $884
Mississippi $1,262
Missouri $936
Montana $1,134
Nebraska $830
Nevada $1,266
New Hampshire $760
New Jersey $1,180
New Mexico $936
New York $1,112
North Carolina $608
North Dakota $864
Ohio $728
Oklahoma $1,084
Oregon $966
Pennsylvania $1,008
Rhode Island $1,406
South Carolina $954
South Dakota $890
Tennessee $924
Texas $1,272
Utah $780
Vermont $722
Virginia $632
Washington $816
West Virginia $966
Wisconsin $730
Wyoming $940

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