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2017 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: Dec 11, 2019

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Average insurance rates for a 2017 Toyota RAV4 are $1,284 a year for full coverage insurance. Comprehensive costs around $250 a year, collision costs $446, and liability insurance costs $430. Buying a liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,782. Teenage drivers receive the highest rates at $4,904 a year or more.

Annual premium for full coverage: $1,284

Rate estimates for 2017 Toyota RAV4 Insurance

Comprehensive $250
Collision $446
Liability $430

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 go from as low as $486 for just liability insurance to a high of $2,782 for a high risk driver.

Liability Only $486
Full Coverage $1,284
High Risk $2,782

View Chart as Image

2017 Toyota RAV4 insurance rates compared
Column chart showing 2017 Toyota RAV4 insurance prices range from $746 to $4,904 for full coverage

These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, rather than relying 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 2017 Toyota RAV4 Insurance

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Toyota RAV4 insurance
Looking for the cheapest insurance coverage rates for your Toyota RAV4? Are you sick and tired of paying out the nose to make your insurance coverage payment? Your situation is no different than many other consumers.

With so many different company options, it’s nearly impossible to pick the best insurance company.

The best way to compare car insurance company rates is to realize all the major auto insurance companies have advanced systems to compare their rates. The only thing you need to do is give the companies some data like if you went to college, the make and model of your vehicles, if the vehicle is leased, and level of coverage desired. The rating information is instantly provided to many of the top insurers and they provide comparison quotes within a short period of time.

To start a quote now, click here and find out if you can get cheaper insurance.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Is my ex-spouse still covered by my policy?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when using my vehicle for business?
  • Am I insured when driving a different vehicle?
  • Where can I get insurance after a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Insurance specifics

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

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Liability

Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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

Liability insurance covers things such as medical expenses, loss of income, structural damage and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Toyota RAV4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as pain medications, chiropractic care, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, falling objects, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2017 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $2,031
Los Angeles, CA $2,196
Philadelphia, PA $1,719
Jacksonville, FL $1,865
Phoenix, AZ $1,492
Chicago, IL $1,721
Houston, TX $2,015
Seattle, WA $1,252
Columbus, OH $1,074
Indianapolis, IN $1,094

Need a specific model?

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Rates by Driver Age

2017 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,904
20 $2,968
30 $1,332
40 $1,284
50 $1,176
60 $1,152

Full coverage, $500 deductibles

Rates by Deductible

2017 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,450
$500 $1,284
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,284
50/100 $1,370
100/300 $1,478
250/500 $1,757
100 CSL $1,413
300 CSL $1,650
500 CSL $1,822

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,974
20 $4,726
30 $2,834
40 $2,782
50 $2,656
60 $2,632

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $90
Total Discounts $538
Rate after discounts $746

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

Find companies with the cheapest rates in your area

2017 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,162
Alaska $986
Arizona $1,066
Arkansas $1,284
California $1,464
Colorado $1,228
Connecticut $1,322
Delaware $1,454
Florida $1,608
Georgia $1,186
Hawaii $922
Idaho $868
Illinois $956
Indiana $968
Iowa $868
Kansas $1,222
Kentucky $1,752
Louisiana $1,902
Maine $792
Maryland $1,060
Massachusetts $1,028
Michigan $2,232
Minnesota $1,076
Mississippi $1,538
Missouri $1,140
Montana $1,382
Nebraska $1,014
Nevada $1,540
New Hampshire $926
New Jersey $1,436
New Mexico $1,138
New York $1,354
North Carolina $740
North Dakota $1,054
Ohio $888
Oklahoma $1,320
Oregon $1,176
Pennsylvania $1,228
Rhode Island $1,714
South Carolina $1,164
South Dakota $1,084
Tennessee $1,126
Texas $1,550
Utah $952
Vermont $880
Virginia $770
Washington $994
West Virginia $1,178
Wisconsin $890
Wyoming $1,146

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