Toyota RAV4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 1, 2024
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Is a Toyota RAV4 expensive to insure? The average cost to insure a Toyota RAV4 is $1,324 a year, or $110 a month. While these rates will depend on the model year, as 2015 Toyota RAV4 insurance costs will be different than 2020 Toyota RAV4 insurance costs, the rates shouldn’t be drastically different.
Read on to learn about what drivers can do to secure cheap car insurance and save on Toyota RAV4 insurance rates.
Before you buy Toyota Rav4 car insurance, shop around to find out how much does it cost to insure a Rav4 in your area.
If you want to leap right into finding the best, affordable Toyota RAV4 car insurance quotes, enter your five-digit ZIP code into our FREE online quote tool above.
U.S. average auto insurance rates for a Toyota RAV4 are $1,300 annually with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $466, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs $2,812 or more. Teen drivers pay the highest rates at up to $4,930 a year.
Average premium for full coverage: $1,300
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all RAV4 models.
Price Range from Low to High
For the average driver, Toyota RAV4 insurance prices range from as cheap as $474 for your basic liability-only policy to the much higher price of $2,812 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details average Toyota RAV4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $753
- Using higher $1,000 deductibles will save $164 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,300
- Choosing pricier low deductibles for physical damage coverage costs an additional $320 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,812
- The price with full coverage for a 16-year-old driver for full coverage can cost $4,930 or more
Insurance prices for a Toyota RAV4 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. Toyota RAV4 insurance for high-risk drivers can be from 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $490 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota RAV4 insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,760 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $998 | -$302 | -23.2% |
| Arizona | $1,080 | -$220 | -16.9% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,480 | $180 | 13.8% |
| Colorado | $1,242 | -$58 | -4.5% |
| Connecticut | $1,338 | $38 | 2.9% |
| Delaware | $1,470 | $170 | 13.1% |
| Florida | $1,626 | $326 | 25.1% |
| Georgia | $1,200 | -$100 | -7.7% |
| Hawaii | $932 | -$368 | -28.3% |
| Idaho | $880 | -$420 | -32.3% |
| Illinois | $970 | -$330 | -25.4% |
| Indiana | $980 | -$320 | -24.6% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,236 | -$64 | -4.9% |
| Kentucky | $1,774 | $474 | 36.5% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $802 | -$498 | -38.3% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$260 | -20.0% |
| Michigan | $2,258 | $958 | 73.7% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,558 | $258 | 19.8% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,398 | $98 | 7.5% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $938 | -$362 | -27.8% |
| New Jersey | $1,452 | $152 | 11.7% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $900 | -$400 | -30.8% |
| Oklahoma | $1,334 | $34 | 2.6% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,240 | -$60 | -4.6% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,098 | -$202 | -15.5% |
| Tennessee | $1,140 | -$160 | -12.3% |
| Texas | $1,568 | $268 | 20.6% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $890 | -$410 | -31.5% |
| Virginia | $780 | -$520 | -40.0% |
| Washington | $1,006 | -$294 | -22.6% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,158 | -$142 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,258 | $105 |
| Toyota RAV4 Sport 2WD | $1,300 | $108 |
| Toyota RAV4 4WD | $1,300 | $108 |
| Toyota RAV4 Limited 2WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Sport 4WD | $1,340 | $112 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
| 2023 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2022 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2021 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2020 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2019 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2018 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2017 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2016 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2015 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2014 Toyota RAV4 | $172 | $252 | $474 | $1,056 |
| 2012 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2011 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2010 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2009 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2008 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2007 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2006 Toyota RAV4 | $120 | $144 | $442 | $864 |
Rates are averaged for all Toyota RAV4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Toyota RAV4 Insurance
Getting lower rates on insurance for a Toyota RAV4 requires being a good driver, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the data touched on above.
- Insureds who purchase an increased level of liability coverage will pay about $460 every year to increase from a low limit to higher 250/500 limits
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $475 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $411 a month if they have full coverage
If you want to know what is the average price of a Toyota RAV4 based on your record and age, shop around to find cheap Toyota RAV4 rates.
The average insurance cost for a Toyota RAV4 will depend on your model year as well, as 2018 RAV4 insurance costs will be different than Toyota RAV4 2007 costs. When looking for Toyota Rav4 car insurance, the company you select will look at all of these criteria and more.
To reduce your rates, enter your ZIP code in our free online tool below to find cheap RAV4 auto insurance.
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What are the safety ratings of the Toyota RAV4?
Great safety ratings and features can help reduce your Toyota RAV4 car insurance rates. Some of the best safety features on the Toyota RAV4 include multiple airbags, brake assist, blind-spot monitor, lane departure warning and assist, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) also gave the Toyota RAV4 a 2020 Top Safety Pick award. Take a look at the safety ratings for the crash tests on the Toyota RAV4 below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Curious how the IIHS crash tests vehicles? Watch the video below.
See more details about the Toyota RAV4 crash test ratings from the National Highway Traffic Safety Administration in the table below.
Toyota RAV4 Crash Test Ratings| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 PRIME SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2013 Toyota Rav4 SUV FWD Later Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2012 Toyota RAV4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota RAV4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota RAV4 SUV FWD | 3 stars | 3 stars | 4 stars | 4 stars |
| 2011 Toyota RAV4 SUV AWD | 3 stars | 3 stars | 4 stars | 4 stars |
A 5-star rating is the best possible score given by the National Highway Traffic Safety Administration. Overall, the Toyota RAV4 performed well. However, newer models received slightly better results than older models.
Toyota RAV4 Compared Against Other Vehicles in the Same Class
How much does it cost to insure a Toyota RAV4 with liability insurance? The answer depends on the liability losses. The IIHS found that in comparison to other small SUVs, the Toyota RAV4 has average liability losses.
See more specific details about the Toyota RAV4 insurance loss probability in the table below.
Toyota RAV4 Insurance Loss Probability| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -8% |
| Property Damage | -5% |
| Comprehensive | -23% |
| Personal Injury | 32% |
| Medical Payment | 19% |
| Bodily Injury | -5% |
The lower the number, the better the insurance loss ratio. As previously mentioned, the Toyota RAV4 is average in almost every category. However, the personal injury insurance loss ratio is substantially worse than average.
To see how other small SUVs’ rates compare to the Toyota RAV4’s rates, check out the SUVs below.
You are now an expert on securing affordable Toyota RAV4 car insurance rates. Are you ready to start shopping for your best rate?
To save on insurance rates, make sure to shop around, whether you are wondering about RAV4 insurance rates in Ontario or how much should you pay for a 2018 Toyota RAV4 coverage plan.
To get started, just enter your five-digit ZIP code into our FREE online quote tool to find the best Toyota RAV4 insurance rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,930 |
| 20 | $3,002 |
| 30 | $1,350 |
| 40 | $1,300 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,620 |
| $250 | $1,472 |
| $500 | $1,300 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,423 |
| 100/300 | $1,527 |
| 250/500 | $1,798 |
| 100 CSL | $1,465 |
| 300 CSL | $1,694 |
| 500 CSL | $1,860 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,016 |
| 20 | $4,780 |
| 30 | $2,870 |
| 40 | $2,812 |
| 50 | $2,686 |
| 60 | $2,662 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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