Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Estimated insurance prices for a Toyota RAV4 Hybrid are $1,146 every 12 months including full coverage. Comprehensive costs around $240 a year, collision costs $380, and liability costs around $390. A policy with only liability insurance costs as low as $438 a year, with a high-risk policy costing around $2,468. Teens pay the most at $4,330 a year or more.
Average premium for full coverage: $1,146
Premium estimates for type of coverage:
Estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and RAV4 Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota RAV4 Hybrid go from the cheapest price of $438 for just liability coverage to a high of $2,468 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using averaged prices.
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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota RAV4 Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $668
- Using higher $1,000 deductibles will save about $1,004 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,146
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,416
- Drivers with serious driving violations could pay at least $2,468 or more
- An auto insurance policy to insure a teen driver can be $4,330 or more
Car insurance prices for a Toyota RAV4 Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $420 every year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota RAV4 Hybrid insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially different.
| 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
Finding better rates on car insurance requires not taking risks behind the wheel, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a review of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $140 per year simply by quoting early and online
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,320 more every year for RAV4 Hybrid insurance
- Increasing policy deductibles could save as much as $400 each year
- Teens are the costliest to insure, with the cost nearing $361 per month if the policy includes full coverage
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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