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2019 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 2019 Toyota RAV4 are $1,304 a year including full coverage. Comprehensive costs approximately $270, collision insurance costs $478, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $2,816. Teen drivers receive the highest rates at up to $4,906 a year.

Annual premium for full coverage: $1,304

Rate estimates for 2019 Toyota RAV4 Insurance

Comprehensive $270
Collision $478
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 the average driver, prices range range from as low as $460 for the bare minimum liability coverage to a much higher rate of $2,816 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,304
High Risk $2,816

View Chart as Image

2019 Toyota RAV4 insurance rates compared
Column chart showing 2019 Toyota RAV4 insurance prices range from $756 to $4,906 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using 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 2019 Toyota RAV4 Insurance

Searching Companies

Trying to find better auto insurance rates for your Toyota RAV4? Trying to come up with a payment for overpriced auto insurance can overdraw your savings and possibly require postponing other expenditures. Consumers have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to compare company pricing.

Shopping for affordable auto insurance coverage is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Consumers only need an understanding of the proper methods to get comparison rates on the web.

Learn how to lower your insurance costs

Many factors are considered when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating.A large part of saving on auto insurance is knowing the factors that are used to determine the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that could result in better auto insurance rates.

The following are some of the things that factor into your prices.

  • Drive lots and pay more – The higher the miles on your Toyota each year the more you’ll pay to insure your vehicle. The majority of insurers calculate rates partially by how you use the vehicle. Autos that are left in the garage get more affordable rates than those used for commuting. A policy that improperly rates your RAV4 is throwing money out the window. Double check that your auto insurance declarations sheet shows the proper vehicle usage.
  • Job stress can make you pay more – Do you work in a high-stress field? Jobs like doctorsair traffic controllers and accountants generally have the highest rates in part from intense work-related stress and extremely grueling work hours. On the other hand, jobs like scientists, historians and the unemployed have lower than average premiums on RAV4 coverage.
  • Avoid auto insurance lapses – Driving with no insurance is illegal and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, failure to provide proof of insurance could earn you a revoked license or a big fine.
  • Discounts for auto and home policies – Some insurers allow better rates to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to shop around to help guarantee you have the best rates.

Discounts for lower-cost insurance rates

Auto insurance companies don’t list all available discounts very clearly, so the following is a list of some of the more common as well as some of the hidden insurance savings.

  • Distant Student – who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Good Students Pay Less – This discount may save you up to 25%. The discount lasts up until you turn 25.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • One Accident Forgiven – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a set time period.
  • Government Employee Discount – Simply working for the federal government may reduce rates when you quote car insurance on RAV4 coverage depending on your company.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies with the best insurance discounts, enter your zip code here.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t avoid all the ads for cheaper insurance coverage from companies such as State Farm, GEICO and Progressive. They all seem to make the point that you’ll save big if you move to them.

How does every insurance coverage company cost less than your current company? This is the way they can do it.

Insurance companies are able to cherry pick for the right customer that will not have excessive claims. One example of a profitable insured might have to be a female over age 40, has a low-risk occupation, and has a short commute. A driver who fits that profile will get the preferred prices as well as save a lot of money.

Insureds who are not a match for the requirements will see more expensive rates which translates to the prospect going elsewhere. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can advertise the way they do.

Because every company is different, you should quote coverage with many companies. It is just not possible to predict which insurance coverage company will provide the lowest rates.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Is my teenager covered with friends in the car?
  • How can I get my company to pay me more for my totalled car?
  • At what point should I drop full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is an SR-22 filing?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Toyota RAV4.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Collision coverages – This coverage will pay to fix damage to your RAV4 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, colliding with a tree, rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, legal defense fees, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, funeral costs, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Be Smart and Buy Smart

Affordable 2019 Toyota RAV4 insurance can be sourced both online in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some companies may not provide online rate quotes and usually these regional insurance providers provide coverage only through independent insurance agencies.

Throughout this article, we presented some good ideas how to reduce 2019 Toyota RAV4 insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting cheaper car insurance. Consumers may even find the best price on insurance coverage is with a lesser-known regional company. Smaller companies can often provide lower car insurance rates in certain areas compared to the large companies like Progressive or GEICO.

More information can be found at the links below

Rates by U.S. City

2019 Toyota RAV4 Insurance Rates by City
City Premium
New York City, NY $2,061
Los Angeles, CA $2,226
Philadelphia, PA $1,742
Jacksonville, FL $1,891
Phoenix, AZ $1,515
Chicago, IL $1,750
Houston, TX $2,041
Seattle, WA $1,270
Columbus, OH $1,091
Indianapolis, IN $1,107

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,906
20 $3,006
30 $1,356
40 $1,304
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

2019 Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,480
$500 $1,304
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,304
50/100 $1,384
100/300 $1,483
250/500 $1,742
100 CSL $1,423
300 CSL $1,642
500 CSL $1,802

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,984
20 $4,782
30 $2,874
40 $2,816
50 $2,688
60 $2,664

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $64
Online Quote $92
Total Discounts $548
Rate after discounts $756

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

Find companies with the cheapest rates in your area

2019 Toyota RAV4 Insurance Rates by State
State Premium
Alabama $1,180
Alaska $1,000
Arizona $1,082
Arkansas $1,304
California $1,484
Colorado $1,244
Connecticut $1,340
Delaware $1,474
Florida $1,630
Georgia $1,202
Hawaii $936
Idaho $882
Illinois $972
Indiana $980
Iowa $880
Kansas $1,240
Kentucky $1,780
Louisiana $1,928
Maine $804
Maryland $1,074
Massachusetts $1,044
Michigan $2,264
Minnesota $1,092
Mississippi $1,562
Missouri $1,156
Montana $1,400
Nebraska $1,028
Nevada $1,562
New Hampshire $940
New Jersey $1,458
New Mexico $1,154
New York $1,374
North Carolina $750
North Dakota $1,066
Ohio $902
Oklahoma $1,340
Oregon $1,194
Pennsylvania $1,244
Rhode Island $1,738
South Carolina $1,182
South Dakota $1,100
Tennessee $1,142
Texas $1,570
Utah $966
Vermont $892
Virginia $780
Washington $1,008
West Virginia $1,194
Wisconsin $902
Wyoming $1,160

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