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2018 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 2018 Toyota RAV4 are $1,300 a year with full coverage. Comprehensive costs approximately $260, collision costs $466, and liability insurance costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,812. Teenage drivers receive the highest rates at $4,930 a year or more.

Annual premium for full coverage: $1,300

Rate estimates for 2018 Toyota RAV4 Insurance

Comprehensive $260
Collision $466
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 go from as low as $474 for the bare minimum liability coverage to a much higher rate of $2,812 for a driver who has had serious violations or accidents.

Liability Only $474
Full Coverage $1,300
High Risk $2,812

View Chart as Image

2018 Toyota RAV4 insurance rates compared
Column chart showing 2018 Toyota RAV4 insurance prices range from $753 to $4,930 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates using their specific location 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 2018 Toyota RAV4 Insurance

Searching Companies

Comparison shopping for more affordable Driversinsurance can be quite difficult for drivers who have little experience online insurance quotes. With so many agents and insurers available, it can easily become a real hassle to find the perfect company for you.

It’s smart to price shop coverage once or twice a year since insurance prices are constantly changing. Despite the fact that you may have had the best deal on RAV4 coverage a few years ago other companies may now be cheaper. You can search a lot of insurance online but in a few minutes you can learn the easiest ways to quit paying high insurance rates.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. But car owners do need to know how big insurance companies determine prices and take advantage of how the system works.

The quickest method we recommend to compare car insurance rates is to know the trick most of the bigger providers participate in online systems to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information like level of coverage desired, whether you are married, whether or not you need a SR-22, and if you have an active license. The rating information is instantly sent to many highly-rated insurers and they respond with quotes with very little delay.

To get price quotes for your 2018 Toyota RAV4 now, click here and see if a lower rate is available.

These nine discounts can slash car insurance rates

Some insurers don’t necessarily list all disounts very well, so we researched a few of the more well known as well as some of the hidden credits that may apply to you.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if offered at their school.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates on RAV4 coverage compared to rates paid by drivers with frequent claims.
  • E-sign Discounts – Some car insurance companies will discount your bill up to fifty bucks simply for signing on the web.
  • Multi-car Discount – Buying a policy with all your vehicles on a single policy may reduce the rate for each vehicle.
  • Pay Early and Save – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Use Seat Belts – Requiring all passengers to use their safety belts could save 15% off the PIP or medical payment premium.
  • Sign Early and Save – Some companies provide a discount for buying a policy prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Own a Home and Save – Just being a homeowner can earn you a little savings because it is proof that your finances are in order.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will bring down the amount you have to pay.

A few of the larger companies and some of their more popular discounts are included below.

  • The Hartford may include discounts for driver training, vehicle fuel type, good student, anti-theft, bundle, and air bag.
  • American Family may offer discounts for air bags, mySafetyValet, early bird, good student, good driver, bundled insurance, and multi-vehicle.
  • Progressive has discounts for multi-vehicle, continuous coverage, online quote discount, online signing, and multi-policy.
  • Travelers policyholders can earn discounts including early quote, multi-car, driver training, home ownership, new car, and IntelliDrive.
  • Farmers Insurance includes discounts for switch companies, early shopping, teen driver, good student, mature driver, alternative fuel, and electronic funds transfer.
  • USAA may have discounts that include family discount, multi-vehicle, multi-policy, military installation, and driver training.
  • Liberty Mutual has savings for new move discount, teen driver discount, preferred payment discount, multi-car, multi-policy, and newly married.

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts listed above might not be offered in your area.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions can aid in determining if your situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the minimum liability in my state?
  • What is UM/UIM insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I force my company to pay a claim?
  • Does medical payments coverage apply to all occupants?
  • How much underlying liability do I need for an umbrella policy?
  • Which is better, split liability limits or combined limits?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages for a 2018 Toyota RAV4

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as surgery, nursing services, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your RAV4 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability

This can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like emergency aid, repair costs for stationary objects, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, theft and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Buy Smart and Save

Affordable 2018 Toyota RAV4 insurance is possible on the web and from local agencies, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not have online quoting and usually these regional carriers only sell through independent insurance agencies.

Consumers leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, policy cancellation and denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

We’ve covered a lot of techniques to compare 2018 Toyota RAV4 insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better likelihood of getting inexpensive insurance. You may even discover the lowest priced insurance coverage comes from a small local company.

Much more information about insurance coverage is available on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2018 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $2,055
Los Angeles, CA $2,220
Philadelphia, PA $1,736
Jacksonville, FL $1,886
Phoenix, AZ $1,512
Chicago, IL $1,746
Houston, TX $2,038
Seattle, WA $1,268
Columbus, OH $1,089
Indianapolis, IN $1,107

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Toyota RAV4 Insurance 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

2018 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,620
$250 $1,472
$500 $1,300
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,383
100/300 $1,487
250/500 $1,758
100 CSL $1,425
300 CSL $1,654
500 CSL $1,820

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Toyota RAV4 Insurance 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.

SR-22 Surcharge $181

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
Rate after discounts $753

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

Find companies with the cheapest rates in your area

2018 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,174
Alaska $998
Arizona $1,080
Arkansas $1,300
California $1,480
Colorado $1,242
Connecticut $1,338
Delaware $1,470
Florida $1,626
Georgia $1,200
Hawaii $932
Idaho $880
Illinois $970
Indiana $980
Iowa $878
Kansas $1,236
Kentucky $1,774
Louisiana $1,924
Maine $802
Maryland $1,072
Massachusetts $1,040
Michigan $2,258
Minnesota $1,088
Mississippi $1,558
Missouri $1,154
Montana $1,398
Nebraska $1,024
Nevada $1,558
New Hampshire $938
New Jersey $1,452
New Mexico $1,150
New York $1,370
North Carolina $750
North Dakota $1,064
Ohio $900
Oklahoma $1,334
Oregon $1,190
Pennsylvania $1,240
Rhode Island $1,732
South Carolina $1,178
South Dakota $1,098
Tennessee $1,140
Texas $1,568
Utah $962
Vermont $890
Virginia $780
Washington $1,006
West Virginia $1,190
Wisconsin $900
Wyoming $1,158

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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