Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Average insurance prices for a Toyota RAV4 Hybrid are $1,146 every 12 months for full coverage. Comprehensive insurance costs approximately $240 a year, collision insurance costs $380, and liability coverage costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $2,468 or more. Teenage drivers receive the highest rates at up to $4,330 a year.
Average premium for full coverage: $1,146
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and RAV4 Hybrid trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $438 for just the minimum liability insurance to a high of $2,468 for high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.
These examples show why it is important to compare prices using their specific location and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $668
- Using higher $1,000 deductibles will save $1,004 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,146
- Using low $100 deductibles for physical damage coverage costs an extra $270 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,468
- The cost to insure a teenage driver can cost $4,330 or more
Auto insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your RAV4 Hybrid.
Using high physical damage deductibles could cut rates by as much as $420 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 44% to 136% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Toyota RAV4 Hybrid insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$110 | -9.6% |
| Alaska | $878 | -$268 | -23.4% |
| Arizona | $948 | -$198 | -17.3% |
| Arkansas | $1,146 | -$0 | 0.0% |
| California | $1,304 | $158 | 13.8% |
| Colorado | $1,092 | -$54 | -4.7% |
| Connecticut | $1,176 | $30 | 2.6% |
| Delaware | $1,294 | $148 | 12.9% |
| Florida | $1,428 | $282 | 24.6% |
| Georgia | $1,058 | -$88 | -7.7% |
| Hawaii | $822 | -$324 | -28.3% |
| Idaho | $776 | -$370 | -32.3% |
| Illinois | $852 | -$294 | -25.7% |
| Indiana | $862 | -$284 | -24.8% |
| Iowa | $772 | -$374 | -32.6% |
| Kansas | $1,088 | -$58 | -5.1% |
| Kentucky | $1,562 | $416 | 36.3% |
| Louisiana | $1,694 | $548 | 47.8% |
| Maine | $708 | -$438 | -38.2% |
| Maryland | $946 | -$200 | -17.5% |
| Massachusetts | $914 | -$232 | -20.2% |
| Michigan | $1,988 | $842 | 73.5% |
| Minnesota | $960 | -$186 | -16.2% |
| Mississippi | $1,370 | $224 | 19.5% |
| Missouri | $1,016 | -$130 | -11.3% |
| Montana | $1,228 | $82 | 7.2% |
| Nebraska | $902 | -$244 | -21.3% |
| Nevada | $1,372 | $226 | 19.7% |
| New Hampshire | $826 | -$320 | -27.9% |
| New Jersey | $1,280 | $134 | 11.7% |
| New Mexico | $1,012 | -$134 | -11.7% |
| New York | $1,206 | $60 | 5.2% |
| North Carolina | $660 | -$486 | -42.4% |
| North Dakota | $938 | -$208 | -18.2% |
| Ohio | $790 | -$356 | -31.1% |
| Oklahoma | $1,176 | $30 | 2.6% |
| Oregon | $1,050 | -$96 | -8.4% |
| Pennsylvania | $1,090 | -$56 | -4.9% |
| Rhode Island | $1,526 | $380 | 33.2% |
| South Carolina | $1,038 | -$108 | -9.4% |
| South Dakota | $966 | -$180 | -15.7% |
| Tennessee | $1,002 | -$144 | -12.6% |
| Texas | $1,380 | $234 | 20.4% |
| Utah | $846 | -$300 | -26.2% |
| Vermont | $784 | -$362 | -31.6% |
| Virginia | $686 | -$460 | -40.1% |
| Washington | $884 | -$262 | -22.9% |
| West Virginia | $1,050 | -$96 | -8.4% |
| Wisconsin | $790 | -$356 | -31.1% |
| Wyoming | $1,018 | -$128 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2023 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2022 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2021 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2019 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2018 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
| 2017 Toyota RAV4 Hybrid | $224 | $350 | $390 | $1,100 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Toyota RAV4 Hybrid Insurance
Saving money on auto insurance requires having a good driving record, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a review of the material that was presented in the illustrations above.
- Consumers who purchase increased levels of liability coverage will pay an extra $430 each year to increase from a minimum limit to a 250/500 level
- Drivers age 20 and younger have the highest car insurance rates, costing as high as $361 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $1,320 more per year to buy Toyota RAV4 Hybrid insurance
- Increasing deductibles could save as much as $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,330 |
| 20 | $2,620 |
| 30 | $1,186 |
| 40 | $1,146 |
| 50 | $1,046 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,146 |
| 50/100 | $1,224 |
| 100/300 | $1,322 |
| 250/500 | $1,575 |
| 100 CSL | $1,263 |
| 300 CSL | $1,478 |
| 500 CSL | $1,634 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,162 |
| 20 | $4,174 |
| 30 | $2,516 |
| 40 | $2,468 |
| 50 | $2,356 |
| 60 | $2,332 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $60 |
| Homeowner | $18 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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