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2012 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 2012 Toyota RAV4 are $1,124 a year for full coverage insurance. Comprehensive costs on average $196 a year, collision costs $310, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,430. Teen drivers receive the highest rates at $4,434 a year or more.

Annual premium for full coverage: $1,124

Rate estimates for 2012 Toyota RAV4 Insurance

Comprehensive $196
Collision $310
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $510 for the bare minimum liability coverage to a high of $2,430 for high-risk insurance.

Liability Only $510
Full Coverage $1,124
High Risk $2,430

View Chart as Image

2012 Toyota RAV4 insurance rates compared
Column chart showing 2012 Toyota RAV4 insurance prices range from $669 to $4,434 for full coverage

These differences illustrate why it is important for drivers to compare rates based on a specific location and risk profile, rather than using 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 2012 Toyota RAV4 Insurance

Searching Companies

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me, there are many people just like you.

With so many choices of insurance companies, it’s difficult to choose the lowest cost car insurance company.

The purpose of this article is to let you in on how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will be able to save some money using these methods. Nevertheless, drivers must know how the larger insurance companies price online insurance because it can help you find the best coverage.

Discounts mean cheaper Toyota RAV4 insurance rates

Car insurance can cost a lot, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Drive Less and Save – Keeping the miles down on your Toyota could be rewarded with lower rates on the low mileage vehicles.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.

Keep in mind that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down the amount you have to pay.

Companies that possibly offer these benefits include:

  • State Farm
  • Farmers Insurance
  • GEICO
  • American Family
  • Nationwide
  • Progressive

Double check with each company which discounts you may be entitled to. Some discounts might not apply in your area.

Compare Quotes for Insurance

Most companies give prices on the web. The process doesn’t take much effort as you just enter your coverage preferences as detailed in the form. Behind the scenes, their rating system automatically retrieves your driving and credit reports and returns a price quote determined by many factors. This streamlines rate comparisons, but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get a better rate.

The easiest way to find cheaper rates uses one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can choose your choice of the returned quotes.

If you find a better price you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

To compare rates using this form now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you complete the form with the limits and deductibles as close as possible to your current policy. This guarantees you’re receiving a rate comparison using the same coverage and limits.

Tailor your coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • Does my 2012 Toyota RAV4 qualify for pleasure use?
  • Do I need PIP coverage since I have good health insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Is a fancy paint job covered?
  • How much liability coverage do I need in my state?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Specific coverage details

Having a good grasp of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Auto liability

This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Coverage for collisions

This covers damage to your RAV4 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, damage from flooding, theft and hail damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as hospital visits, dental work, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2012 Toyota RAV4.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Keep this in mind

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

Cost effective 2012 Toyota RAV4 insurance is possible on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

You just read some good ideas how you can shop for insurance online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

Additional information can be read below:

Rates by U.S. City

2012 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,776
Los Angeles, CA $1,923
Philadelphia, PA $1,504
Jacksonville, FL $1,633
Phoenix, AZ $1,308
Chicago, IL $1,508
Houston, TX $1,763
Seattle, WA $1,099
Columbus, OH $941
Indianapolis, IN $956

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,434
20 $2,590
30 $1,154
40 $1,124
50 $1,030
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

2012 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,346
$250 $1,244
$500 $1,124
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,124
50/100 $1,216
100/300 $1,331
250/500 $1,630
100 CSL $1,262
300 CSL $1,515
500 CSL $1,699

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,272
20 $4,124
30 $2,462
40 $2,430
50 $2,324
60 $2,302

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $71
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $455
Rate after discounts $669

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

Find companies with the cheapest rates in your area

2012 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,018
Alaska $862
Arizona $934
Arkansas $1,124
California $1,282
Colorado $1,076
Connecticut $1,156
Delaware $1,274
Florida $1,408
Georgia $1,038
Hawaii $806
Idaho $760
Illinois $838
Indiana $846
Iowa $758
Kansas $1,068
Kentucky $1,536
Louisiana $1,664
Maine $694
Maryland $928
Massachusetts $900
Michigan $1,954
Minnesota $942
Mississippi $1,346
Missouri $998
Montana $1,208
Nebraska $886
Nevada $1,350
New Hampshire $812
New Jersey $1,258
New Mexico $996
New York $1,184
North Carolina $646
North Dakota $920
Ohio $778
Oklahoma $1,156
Oregon $1,030
Pennsylvania $1,074
Rhode Island $1,502
South Carolina $1,020
South Dakota $950
Tennessee $986
Texas $1,356
Utah $834
Vermont $770
Virginia $674
Washington $872
West Virginia $1,030
Wisconsin $778
Wyoming $1,002

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