Toyota RAV4 Limited 4WD Insurance Rates

U.S. average auto insurance rates for a Toyota RAV4 Limited 4WD are $1,374 annually with full coverage. Comprehensive insurance costs approximately $312 a year, collision costs $540, and liability costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing $2,958 or more. Teen drivers pay the highest rates at $5,050 a year or more.

Annual premium for full coverage: $1,374

Price estimates by individual coverage type:

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

Price Range for Insurance for this Toyota RAV4 Trim Level

These price ranges demonstrate why it is important for drivers to compare prices using their specific location and their own personal driving habits, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Toyota RAV4 Limited 4WD are also quite variable based on the actual cash value of your RAV4, your driving record, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota RAV4 Limited 4WD insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

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The chart above shows Toyota RAV4 Limited 4WD insurance prices for different situations. The best price after discounts is $795. Drivers who choose higher $1,000 deductibles will pay about $1,182. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,374. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,750. High risk drivers could be charged at least $2,958. The cost for full coverage for a teenager can be as high as $5,050.

View Chart as Image