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Toyota RAV4 Limited 2WD Insurance Rates

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Average insurance prices for a Toyota RAV4 Limited 2WD are $1,374 every 12 months including full coverage. Comprehensive costs around $312, collision insurance costs $540, and liability insurance costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $2,958. Teen drivers receive the highest rates at up to $5,050 a year.

Annual premium for full coverage: $1,374

Rate estimates for type of insurance:

Comprehensive $312
Collision $540
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 an average driver, prices range from the cheapest price of $430 for your basic liability-only policy to a much higher rate of $2,958 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,374
High Risk $2,958

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on 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.

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Auto insurance rates for a Toyota RAV4 Limited 2WD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the actual cash value of your RAV4.

Choosing high deductibles could save up to $570 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Where you live makes a big difference in Toyota RAV4 Limited 2WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly different.

View Chart as Image

Toyota RAV4 Limited 2WD insurance cost comparison chart
Column chart showing Toyota RAV4 Limited 2WD insurance prices range from $795 to $5,050 for full coverage

The chart above shows average Toyota RAV4 Limited 2WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $795. Drivers who choose higher $1,000 deductibles will pay $1,182. The average rate for a driver age 40 with no violations using $500 deductibles is $1,374. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,750. High risk drivers could be charged as much as $2,958. The price for full coverage insurance for a 16-year-old driver is $5,050.

Toyota RAV4 Limited 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$132 -9.6%
Alaska $1,054 -$320 -23.3%
Arizona $1,142 -$232 -16.9%
Arkansas $1,374 -$0 0.0%
California $1,566 $192 14.0%
Colorado $1,314 -$60 -4.4%
Connecticut $1,414 $40 2.9%
Delaware $1,556 $182 13.2%
Florida $1,718 $344 25.0%
Georgia $1,268 -$106 -7.7%
Hawaii $988 -$386 -28.1%
Idaho $930 -$444 -32.3%
Illinois $1,024 -$350 -25.5%
Indiana $1,036 -$338 -24.6%
Iowa $928 -$446 -32.5%
Kansas $1,306 -$68 -4.9%
Kentucky $1,874 $500 36.4%
Louisiana $2,034 $660 48.0%
Maine $848 -$526 -38.3%
Maryland $1,134 -$240 -17.5%
Massachusetts $1,100 -$274 -19.9%
Michigan $2,390 $1,016 73.9%
Minnesota $1,150 -$224 -16.3%
Mississippi $1,646 $272 19.8%
Missouri $1,220 -$154 -11.2%
Montana $1,476 $102 7.4%
Nebraska $1,084 -$290 -21.1%
Nevada $1,648 $274 19.9%
New Hampshire $992 -$382 -27.8%
New Jersey $1,538 $164 11.9%
New Mexico $1,216 -$158 -11.5%
New York $1,448 $74 5.4%
North Carolina $792 -$582 -42.4%
North Dakota $1,126 -$248 -18.0%
Ohio $948 -$426 -31.0%
Oklahoma $1,412 $38 2.8%
Oregon $1,258 -$116 -8.4%
Pennsylvania $1,310 -$64 -4.7%
Rhode Island $1,832 $458 33.3%
South Carolina $1,246 -$128 -9.3%
South Dakota $1,160 -$214 -15.6%
Tennessee $1,204 -$170 -12.4%
Texas $1,656 $282 20.5%
Utah $1,020 -$354 -25.8%
Vermont $940 -$434 -31.6%
Virginia $824 -$550 -40.0%
Washington $1,062 -$312 -22.7%
West Virginia $1,260 -$114 -8.3%
Wisconsin $952 -$422 -30.7%
Wyoming $1,224 -$150 -10.9%

View Chart as Image

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

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Rates by Driver Age

Toyota RAV4 Limited 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,050
20 $3,156
30 $1,436
40 $1,374
50 $1,252
60 $1,228

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Limited 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,576
$500 $1,374
$1,000 $1,182

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Limited 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,374
50/100 $1,447
100/300 $1,538
250/500 $1,774
100 CSL $1,483
300 CSL $1,683
500 CSL $1,829

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Limited 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,206
20 $5,012
30 $3,028
40 $2,958
50 $2,822
60 $2,794

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $70
Homeowner $19
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $97
Total Discounts $579
Rate after discounts $795

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

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