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  4. Limited 4WD

Toyota RAV4 Limited 4WD Insurance Rates

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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:

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

Using a middle-aged driver as an example, Toyota RAV4 Limited 4WD insurance prices go from as cheap as $430 for liability-only coverage to a high of $2,958 for a high-risk driver policy.

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

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.

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

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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.

View Chart as Image

Toyota RAV4 Limited 4WD insurance cost comparison chart
Column chart showing Toyota RAV4 Limited 4WD insurance prices range from $795 to $5,050 for full coverage

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.

Toyota RAV4 Limited 4WD 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 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota RAV4 Limited 4WD 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 4WD 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 4WD 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 4WD 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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