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  3. RAV4
  4. 2WD

Toyota RAV4 2WD Insurance Rates

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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:

Comprehensive $284
Collision $476
Liability $364

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

Price Range for Insurance for this Toyota RAV4 Trim Level

For the average driver, prices range from as cheap as $430 for just liability insurance to a high rate of $2,758 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,282
High Risk $2,758

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.

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

Recommended Companies for Cheap Toyota RAV4 2WD Insurance

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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.

View Chart as Image

Toyota RAV4 2WD insurance cost comparison chart
Column chart showing Toyota RAV4 2WD insurance prices range from $748 to $4,762 for full coverage

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.

Toyota RAV4 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,160 -$122 -9.5%
Alaska $984 -$298 -23.2%
Arizona $1,066 -$216 -16.8%
Arkansas $1,282 -$0 0.0%
California $1,462 $180 14.0%
Colorado $1,228 -$54 -4.2%
Connecticut $1,320 $38 3.0%
Delaware $1,454 $172 13.4%
Florida $1,606 $324 25.3%
Georgia $1,186 -$96 -7.5%
Hawaii $922 -$360 -28.1%
Idaho $866 -$416 -32.4%
Illinois $956 -$326 -25.4%
Indiana $966 -$316 -24.6%
Iowa $866 -$416 -32.4%
Kansas $1,220 -$62 -4.8%
Kentucky $1,750 $468 36.5%
Louisiana $1,900 $618 48.2%
Maine $792 -$490 -38.2%
Maryland $1,060 -$222 -17.3%
Massachusetts $1,026 -$256 -20.0%
Michigan $2,230 $948 73.9%
Minnesota $1,074 -$208 -16.2%
Mississippi $1,538 $256 20.0%
Missouri $1,138 -$144 -11.2%
Montana $1,378 $96 7.5%
Nebraska $1,012 -$270 -21.1%
Nevada $1,540 $258 20.1%
New Hampshire $926 -$356 -27.8%
New Jersey $1,434 $152 11.9%
New Mexico $1,136 -$146 -11.4%
New York $1,352 $70 5.5%
North Carolina $740 -$542 -42.3%
North Dakota $1,052 -$230 -17.9%
Ohio $884 -$398 -31.0%
Oklahoma $1,320 $38 3.0%
Oregon $1,176 -$106 -8.3%
Pennsylvania $1,224 -$58 -4.5%
Rhode Island $1,712 $430 33.5%
South Carolina $1,164 -$118 -9.2%
South Dakota $1,082 -$200 -15.6%
Tennessee $1,126 -$156 -12.2%
Texas $1,548 $266 20.7%
Utah $950 -$332 -25.9%
Vermont $878 -$404 -31.5%
Virginia $768 -$514 -40.1%
Washington $992 -$290 -22.6%
West Virginia $1,178 -$104 -8.1%
Wisconsin $890 -$392 -30.6%
Wyoming $1,144 -$138 -10.8%

View Chart as Image

Toyota RAV4 2WD insurance rates by U.S. city

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Rates by Driver Age

Toyota RAV4 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,944
30 $1,338
40 $1,282
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,464
$500 $1,282
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,282
50/100 $1,355
100/300 $1,446
250/500 $1,682
100 CSL $1,391
300 CSL $1,591
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,778
20 $4,672
30 $2,818
40 $2,758
50 $2,630
60 $2,606

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $81
Paid in Full/EFT $58
Advance Quote $62
Online Quote $90
Total Discounts $534
Rate after discounts $748

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

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