1. Vehicles
  2. Toyota
  3. RAV4
  4. Sport 2WD

Toyota RAV4 Sport 2WD Insurance Rates

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

The average auto insurance rates for a Toyota RAV4 Sport 2WD are $1,328 annually with full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $508, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,858 or more. Teenage drivers cost the most to insure at up to $4,906 a year.

Annual premium for full coverage: $1,328

Policy rates for individual coverage:

Comprehensive $298
Collision $508
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 Sport 2WD insurance rates range from as cheap as $430 for minimum levels of liability insurance to a high rate of $2,858 for a high-risk driver policy.

Liability Only $430
Full Coverage $1,328
High Risk $2,858

These price differences demonstrate why all drivers should compare prices for a specific zip code 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 Sport 2WD Insurance

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Car insurance rates for a Toyota RAV4 Sport 2WD also range considerably based on the model year, your driving record, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota RAV4 Sport 2WD insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be varied between companies.

View Chart as Image

Toyota RAV4 Sport 2WD insurance cost comparison chart
Column chart showing Toyota RAV4 Sport 2WD insurance prices range from $769 to $4,906 for full coverage

The chart above shows Toyota RAV4 Sport 2WD insurance prices for various situations. The cheapest discount price is $769. Drivers who use higher $1,000 deductibles will pay about $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Using lower $100 deductibles for comp and collision coverage could cost up to $1,684. Drivers with multiple violations and accidents could be charged around $2,858. The policy rate for full coverage for a 16-year-old driver can be as high as $4,906.

Toyota RAV4 Sport 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$126 -9.5%
Alaska $1,020 -$308 -23.2%
Arizona $1,104 -$224 -16.9%
Arkansas $1,328 -$0 0.0%
California $1,514 $186 14.0%
Colorado $1,272 -$56 -4.2%
Connecticut $1,366 $38 2.9%
Delaware $1,504 $176 13.3%
Florida $1,664 $336 25.3%
Georgia $1,228 -$100 -7.5%
Hawaii $954 -$374 -28.2%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,002 -$326 -24.5%
Iowa $898 -$430 -32.4%
Kansas $1,264 -$64 -4.8%
Kentucky $1,814 $486 36.6%
Louisiana $1,966 $638 48.0%
Maine $820 -$508 -38.3%
Maryland $1,096 -$232 -17.5%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,308 $980 73.8%
Minnesota $1,112 -$216 -16.3%
Mississippi $1,592 $264 19.9%
Missouri $1,180 -$148 -11.1%
Montana $1,428 $100 7.5%
Nebraska $1,048 -$280 -21.1%
Nevada $1,594 $266 20.0%
New Hampshire $958 -$370 -27.9%
New Jersey $1,486 $158 11.9%
New Mexico $1,176 -$152 -11.4%
New York $1,400 $72 5.4%
North Carolina $766 -$562 -42.3%
North Dakota $1,088 -$240 -18.1%
Ohio $916 -$412 -31.0%
Oklahoma $1,366 $38 2.9%
Oregon $1,218 -$110 -8.3%
Pennsylvania $1,266 -$62 -4.7%
Rhode Island $1,772 $444 33.4%
South Carolina $1,204 -$124 -9.3%
South Dakota $1,120 -$208 -15.7%
Tennessee $1,164 -$164 -12.3%
Texas $1,602 $274 20.6%
Utah $986 -$342 -25.8%
Vermont $910 -$418 -31.5%
Virginia $796 -$532 -40.1%
Washington $1,026 -$302 -22.7%
West Virginia $1,218 -$110 -8.3%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

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

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Rates by Driver Age

Toyota RAV4 Sport 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,906
20 $3,050
30 $1,386
40 $1,328
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Sport 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,684
$250 $1,520
$500 $1,328
$1,000 $1,146

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Sport 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,401
100/300 $1,492
250/500 $1,728
100 CSL $1,437
300 CSL $1,637
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Sport 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,842
30 $2,922
40 $2,858
50 $2,728
60 $2,700

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $97
5-yr Claim Free $85
Paid in Full/EFT $61
Advance Quote $65
Online Quote $94
Total Discounts $559
Rate after discounts $769

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

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