Toyota RAV4 Insurance Rates

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 insurance rates for a Toyota RAV4 are $1,030 a year with full coverage. Comprehensive costs approximately $166 a year, collision insurance costs $228, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, and coverage for high-risk drivers costs around $2,222. Teens pay the highest rates at up to $4,154 a year.

Average premium for full coverage: $1,030

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and RAV4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details average Toyota RAV4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $623
• Using higher $1,000 deductibles will save $940 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,030
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,202
• Drivers with serious driving violations could pay around $2,222
• The price that insures a teen driver can cost $4,154 or more

View Chart as Image

Insurance prices for a Toyota RAV4 are also quite variable based on the trim level of your RAV4, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,100 a year. View Rates by Age

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 $740 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,390 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $270 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Find Affordable Toyota RAV4 Insurance

Getting lower rates on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every couple of years by requesting rates from direct companies, and also from local insurance agencies.

The following items are a brief review of the material that was touched on in this article.

• Policyholders who purchase additional liability coverage will pay approximately $530 every year to increase from a low limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing up to $346 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,190 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $250 each year

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.

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.

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.

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.

• Ford Ecosport
• Hyundai Kona
• Hyundai Tucson

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

1. https://www.iihs.org/ratings/vehicle/toyota/rav4-4-door-suv/2020