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2016 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 2016 Toyota RAV4 are $1,268 a year with full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $430, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,752 or more. Teen drivers receive the highest rates at up to $4,882 a year.

Annual premium for full coverage: $1,268

Rate estimates for 2016 Toyota RAV4 Insurance

Comprehensive $238
Collision $430
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 middle-aged driver, prices range range from as low as $496 for just liability insurance to a much higher rate of $2,752 for a high risk driver.

Liability Only $496
Full Coverage $1,268
High Risk $2,752

View Chart as Image

2016 Toyota RAV4 insurance rates compared
Column chart showing 2016 Toyota RAV4 insurance prices range from $736 to $4,882 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying 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 2016 Toyota RAV4 Insurance

Searching Companies

Are you a victim of an overpriced insurance coverage policy? Believe me when I say you are not the only one feeling buyer’s remorse. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

You should take the time to shop coverage around at least once a year since rates change frequently. Just because you found the lowest rates for RAV4 insurance on your last policy there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about insurance coverage because we’re going to show you the only way to find lower rates on insurance coverage.

If you have a current auto insurance policy or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know the best way to compare rates online.

Comprehensive Insurance Coverage Comparison

Most companies such as State Farm and Allstate allow you to get insurance quotes directly from their websites. The process is fairly simple as you simply type in the coverages you want into the quote form. After you complete the form, the system makes automated requests for information on your driving record and credit history and returns a price. Online price quotes helps simplify price comparisons, but the work required to visit a lot of sites and fill out multiple forms gets old quite quickly. But it is imperative to compare as many rates as possible in order to get better prices.

Quote rates the easy way

The preferred way to find cheaper rates uses one simple form to return rates from a lot of companies. The form is fast, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. As soon as the form is sent, it is rated and you can choose your choice of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the policy. It only takes a few minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles identical to your current policy. Doing this assures you will have a price comparison using the exact same coverages.

Policy discounts you shouldn’t miss

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Paperwork-free – Certain companies give back up to $50 simply for signing on their website.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Own a Home – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for RAV4 insurance with a few car insurance companies.

It’s important to note that most credits do not apply the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

Insurance agents can help

When choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Does car insurance cover theft of personal property?
  • Can my babysitter drive my car?
  • Do I really need UM/UIM coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I better off with higher deductibles on my 2016 Toyota RAV4?
  • Do I benefit by insuring my home with the same company?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Complexity of Toyota RAV4 insurance rates

Smart consumers have a good feel for the factors that help determine your car insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

  • Don’t let your coverage lapse – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Lower miles equals lower premium – The higher the mileage driven in a year the more you will pay for car insurance. The majority of insurers rate vehicles based on how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. If your policy improperly rates your RAV4 may be costing you. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
  • High credit ratings translate to low rates – Credit rating is a big factor in calculating your car insurance rates. People with good credit tend to be more responsible than drivers who have poor credit. If your credit history can use some improvement, you could pay less to insure your 2016 Toyota RAV4 by improving your rating.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide lower rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.

Slick advertising tricks that work

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm and Allstate. They all seem to have a common claim about savings if you change to them.

How does each company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential customers who don’t measure up to these standards will be quoted higher premiums and this can result in business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can make those claims. This emphasizes why you need to get as many quotes as possible. It’s not possible to predict the company that will give you the biggest savings on Toyota RAV4 insurance.

Parts of your insurance policy

Understanding the coverages of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, pain medications, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

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

Collision coverage pays for things like rolling your car, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2016 Toyota RAV4.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles, court costs, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

A penny earned…

Cheap 2016 Toyota RAV4 insurance is available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a smaller regional carrier. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

Even more information can be read in these articles:

Rates by U.S. City

2016 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $2,007
Los Angeles, CA $2,166
Philadelphia, PA $1,694
Jacksonville, FL $1,840
Phoenix, AZ $1,476
Chicago, IL $1,699
Houston, TX $1,986
Seattle, WA $1,237
Columbus, OH $1,062
Indianapolis, IN $1,078

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,882
20 $2,936
30 $1,312
40 $1,268
50 $1,162
60 $1,138

Full coverage, $500 deductibles

Rates by Deductible

2016 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,426
$500 $1,268
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,356
100/300 $1,467
250/500 $1,754
100 CSL $1,401
300 CSL $1,644
500 CSL $1,821

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,942
20 $4,680
30 $2,800
40 $2,752
50 $2,630
60 $2,606

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 $177

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $82
Paid in Full/EFT $55
Advance Quote $61
Online Quote $89
Total Discounts $532
Rate after discounts $736

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

Find companies with the cheapest rates in your area

2016 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,148
Alaska $974
Arizona $1,054
Arkansas $1,268
California $1,444
Colorado $1,212
Connecticut $1,304
Delaware $1,436
Florida $1,586
Georgia $1,172
Hawaii $912
Idaho $858
Illinois $944
Indiana $954
Iowa $854
Kansas $1,206
Kentucky $1,732
Louisiana $1,880
Maine $782
Maryland $1,048
Massachusetts $1,016
Michigan $2,204
Minnesota $1,060
Mississippi $1,520
Missouri $1,124
Montana $1,362
Nebraska $1,000
Nevada $1,520
New Hampshire $912
New Jersey $1,418
New Mexico $1,124
New York $1,338
North Carolina $730
North Dakota $1,038
Ohio $878
Oklahoma $1,304
Oregon $1,162
Pennsylvania $1,210
Rhode Island $1,692
South Carolina $1,148
South Dakota $1,072
Tennessee $1,112
Texas $1,528
Utah $940
Vermont $868
Virginia $760
Washington $982
West Virginia $1,162
Wisconsin $878
Wyoming $1,132

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