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  4. Sport 4WD

Toyota RAV4 Sport 4WD Insurance Rates

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Average insurance rates for a Toyota RAV4 Sport 4WD are $1,374 a year with full coverage. Comprehensive costs an estimated $312 a year, collision costs $540, and liability costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing around $2,958. Teen drivers receive the highest rates at $5,050 a year or more.

Annual premium for full coverage: $1,374

Rate estimates broken down 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 40-year-old driver as an example, prices go from as low as $430 for minimum levels of liability insurance to a high of $2,958 for a policy for a high-risk driver.

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

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

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

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, 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 Sport 4WD can also vary considerably based on your driver profile, the actual cash value of your RAV4, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Where you live makes a big difference in Toyota RAV4 Sport 4WD insurance prices. A 40-year-old driver could pay 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.

Choosing high deductibles could save up to $570 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

View Chart as Image

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

The chart above shows Toyota RAV4 Sport 4WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $795. Drivers who choose higher $1,000 deductibles will pay around $1,182. The average rate for a driver around age 40 using $500 deductibles is $1,374. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,750. High risk drivers could be charged as much as $2,958. The cost for full coverage insurance for a teenage driver is $5,050.

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

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Rates by Driver Age

Toyota RAV4 Sport 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 Sport 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 Sport 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 Sport 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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