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2014 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 2014 Toyota RAV4 are $1,208 a year for full coverage insurance. Comprehensive insurance costs approximately $218 each year, collision costs $376, and liability costs around $456. Buying a liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,620 or more. Teenage drivers receive the highest rates at $4,704 a year or more.

Annual premium for full coverage: $1,208

Rate estimates for 2014 Toyota RAV4 Insurance

Comprehensive $218
Collision $376
Liability $456

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 $508 for just liability insurance to a high rate of $2,620 for high-risk insurance.

Liability Only $508
Full Coverage $1,208
High Risk $2,620

View Chart as Image

2014 Toyota RAV4 insurance rates compared
Column chart showing 2014 Toyota RAV4 insurance prices range from $709 to $4,704 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on 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 2014 Toyota RAV4 Insurance

Searching Companies

Searching for low-cost auto insurance online can seem to be difficult for people who are new to shopping for insurance online. With dozens of online companies, how can consumers have a chance to compare the different rates to find the lowest price available?

It’s smart to take a look at other company’s rates yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best price on RAV4 insurance two years ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because we’re going to show you one of the best ways to reduce your cost while increasing coverage.

Take advantage of discounts

Car insurance companies don’t always advertise every discount very well, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off the personal injury premium cost.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that possibly offer some of the above discounts include:

  • State Farm
  • Nationwide
  • GEICO
  • AAA
  • 21st Century
  • The Hartford

Before buying, ask every prospective company which discounts they offer. Discounts might not apply in your area.

How to know if you need help

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Is my 2014 Toyota RAV4 covered for flood damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I missing any policy discounts?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need an umbrella policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does car insurance cover theft of personal property?
  • What is PIP insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent.

Insurance policy coverages for a Toyota RAV4

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists 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.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverages

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

Comprehensive insurance covers things like damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like bail bonds, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for doctor visits, X-ray expenses and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This will pay to fix damage to your RAV4 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

More quotes mean more savings

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, poor customer service and even policy non-renewal. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

We just presented many ways to reduce 2014 Toyota RAV4 insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

To learn more, take a look at the resources below:

  • State Car Insurance Guides (GEICO)
  • Auto Insurance Basics (Insurance Information Insitute)
  • Should I Buy a New or Used Car? (Allstate)
  • Rental Reimbursement Coverage (Allstate)
  • Airbag FAQ (iihs.org)

Rates by U.S. City

2014 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,911
Los Angeles, CA $2,070
Philadelphia, PA $1,613
Jacksonville, FL $1,756
Phoenix, AZ $1,406
Chicago, IL $1,624
Houston, TX $1,895
Seattle, WA $1,177
Columbus, OH $1,012
Indianapolis, IN $1,031

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,704
20 $2,792
30 $1,246
40 $1,208
50 $1,108
60 $1,086

Full coverage, $500 deductibles

Rates by Deductible

2014 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,350
$500 $1,208
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,208
50/100 $1,299
100/300 $1,413
250/500 $1,710
100 CSL $1,345
300 CSL $1,596
500 CSL $1,778

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,676
20 $4,450
30 $2,658
40 $2,620
50 $2,504
60 $2,480

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $499
Rate after discounts $709

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

Find companies with the cheapest rates in your area

2014 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,094
Alaska $928
Arizona $1,004
Arkansas $1,208
California $1,380
Colorado $1,158
Connecticut $1,242
Delaware $1,370
Florida $1,514
Georgia $1,116
Hawaii $870
Idaho $816
Illinois $902
Indiana $912
Iowa $816
Kansas $1,150
Kentucky $1,650
Louisiana $1,790
Maine $748
Maryland $996
Massachusetts $966
Michigan $2,102
Minnesota $1,014
Mississippi $1,448
Missouri $1,072
Montana $1,300
Nebraska $952
Nevada $1,450
New Hampshire $872
New Jersey $1,350
New Mexico $1,072
New York $1,274
North Carolina $696
North Dakota $990
Ohio $836
Oklahoma $1,242
Oregon $1,106
Pennsylvania $1,152
Rhode Island $1,614
South Carolina $1,094
South Dakota $1,020
Tennessee $1,060
Texas $1,458
Utah $896
Vermont $830
Virginia $726
Washington $934
West Virginia $1,108
Wisconsin $838
Wyoming $1,078

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