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2015 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 2015 Toyota RAV4 are $1,238 a year for full coverage insurance. Comprehensive costs an estimated $228, collision insurance costs $400, and liability coverage costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,680. Teenage drivers receive the highest rates at up to $4,788 a year.

Annual premium for full coverage: $1,238

Rate estimates for 2015 Toyota RAV4 Insurance

Comprehensive $228
Collision $400
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 range from as low as $504 for a discount liability-only rate to the much higher price of $2,680 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,238
High Risk $2,680

View Chart as Image

2015 Toyota RAV4 insurance rates compared
Column chart showing 2015 Toyota RAV4 insurance prices range from $724 to $4,788 for full coverage

These differences illustrate why everyone should compare rates for a targeted area 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 2015 Toyota RAV4 Insurance

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Trying to find cheaper auto insurance rates for your Toyota RAV4? Insurance shopping is not a task people fancy doing, but your state requires it when you drive.

It’s important to compare rates once or twice a year because rates are adjusted regularly by insurance companies. Even if you got the lowest price for RAV4 coverage last year you will most likely find a better rate today. So just forget all the misinformation about auto insurance because we’re going to show you the easiest way to find lower rates on auto insurance.

If you have car insurance now, you should be able to cut costs considerably using these methods. The purpose of this article is to familiarize you with how to get online quotes and some money-saving tips. Although vehicle owners can benefit from knowing the way insurance companies price online insurance because it can help you find the best coverage.

Toyota RAV4 rates influenced by many factors

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with lower insurance coverage prices.

Shown below are a partial list of the pieces that factor into rates.

  • Traffic citations inflate rates – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than bad drivers. Even one citation can bump up the cost forty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Do you know your deductibles? – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more money you have to pay, the bigger discount you will receive for RAV4 coverage.
  • Men are more aggressive – The statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Both sexes have accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as DWI and reckless driving.
  • More claims means more premium – Insurance companies give lower rates to policyholders who do not file claims often. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Cut your car insurance rates with discounts

Companies that sell car insurance don’t necessarily list all their discounts very well, so here is a list some of the more common and the harder-to-find savings tricks you should be using.

  • Accident Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for RAV4 coverage with certain companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

As a disclaimer on discounts, many deductions do not apply the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer these discounts include:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

You are unique and your insurance coverage should be too

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • Should I carry comprehensive and collision coverage?
  • If I drive on a suspended license am I covered?
  • Are rental cars covered under my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I better off with higher deductibles on my 2015 Toyota RAV4?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Specifics of your car insurance policy

Having a good grasp of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision insurance

This coverage pays for damage to your RAV4 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, backing into a parked car, crashing into a building, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Toyota RAV4.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, doctor visits, EMT expenses, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverages

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, damage from getting keyed, hail damage, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a penny pincher

Insureds who switch companies do it for any number of reasons including questionable increases in premium, poor customer service, delays in responding to claim requests or policy cancellation. Regardless of your reason, choosing a new insurance company can be easier than you think.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of techniques to save on 2015 Toyota RAV4 insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the best prices are with some of the lesser-known companies.

Additional insurance information is located below:

Rates by U.S. City

2015 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $1,953
Los Angeles, CA $2,115
Philadelphia, PA $1,655
Jacksonville, FL $1,798
Phoenix, AZ $1,439
Chicago, IL $1,660
Houston, TX $1,940
Seattle, WA $1,205
Columbus, OH $1,036
Indianapolis, IN $1,053

Need a specific model?

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Rates by Driver Age

2015 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,788
20 $2,860
30 $1,276
40 $1,238
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

2015 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,386
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,328
100/300 $1,441
250/500 $1,735
100 CSL $1,374
300 CSL $1,622
500 CSL $1,803

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,802
20 $4,556
30 $2,724
40 $2,680
50 $2,562
60 $2,540

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $514
Rate after discounts $724

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

Find companies with the cheapest rates in your area

2015 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,120
Alaska $948
Arizona $1,028
Arkansas $1,238
California $1,410
Colorado $1,182
Connecticut $1,272
Delaware $1,400
Florida $1,550
Georgia $1,142
Hawaii $888
Idaho $836
Illinois $922
Indiana $932
Iowa $834
Kansas $1,176
Kentucky $1,690
Louisiana $1,832
Maine $762
Maryland $1,020
Massachusetts $990
Michigan $2,150
Minnesota $1,034
Mississippi $1,482
Missouri $1,096
Montana $1,330
Nebraska $976
Nevada $1,486
New Hampshire $892
New Jersey $1,382
New Mexico $1,096
New York $1,302
North Carolina $714
North Dakota $1,014
Ohio $856
Oklahoma $1,270
Oregon $1,132
Pennsylvania $1,182
Rhode Island $1,650
South Carolina $1,120
South Dakota $1,044
Tennessee $1,084
Texas $1,492
Utah $916
Vermont $848
Virginia $740
Washington $956
West Virginia $1,134
Wisconsin $856
Wyoming $1,104

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