Toyota RAV4 2WD Insurance Rates

Average auto insurance rates for a Toyota RAV4 2WD are $1,282 annually for full coverage. Comprehensive insurance costs on average $284 each year, collision insurance costs $476, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,758 or more. Teenage drivers receive the highest rates at up to $4,762 a year.

Annual premium for full coverage: $1,282

Rate estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota RAV4 Trim Level

These differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota RAV4 2WD can also vary considerably based on the model year of your RAV4, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota RAV4 2WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different between companies.

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Chart shows Toyota RAV4 2WD insurance prices for various situations. The cheapest discount price is $748. Drivers who use higher $1,000 deductibles will pay about $1,110. The average price for a 40-year-old male driver using $500 deductibles is $1,282. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,618. Drivers with multiple violations and accidents could be charged as much as $2,758. The policy rate for full coverage for a teen driver can be as high as $4,762.

View Chart as Image