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 with full coverage. Comprehensive costs around $240, collision costs $380, and liability coverage is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $2,468. Teen drivers receive the highest rates at $4,330 a year or more.
Average premium for full coverage: $1,146
Rate estimates for individual coverage type:
Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all RAV4 Hybrid models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $438 for the bare minimum liability coverage to the much higher price of $2,468 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than using price averages.
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 Information
The chart below details estimated Toyota RAV4 Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $668
- Raising to $1,000 deductibles will save about $142 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,146
- Choosing pricier low deductibles increases the price to $1,416
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,468 or more
- The cost to insure a teenage driver for full coverage can be $4,330
Car insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles can reduce rates by up to $420 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 extra per year, depending on your age. Toyota RAV4 Hybrid insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates
Where you live also has a big influence on Toyota RAV4 Hybrid insurance rates. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,550 on average in Florida, Michigan, and New York.
| 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 so much variability in rates, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly 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 the Best Cheap Toyota RAV4 Hybrid Insurance
Saving money on auto insurance consists of having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the coverage data touched on in this article.
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $400 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $361 per month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,320 more every year to buy Toyota RAV4 Hybrid insurance
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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