Toyota RAV4 Hybrid Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Toyota RAV4 Hybrid are $1,198 annually for full coverage. Comprehensive costs approximately $250 a year, collision costs $424, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing around $2,584. Teens cost the most to insure at $4,498 a year or more.
Average premium for full coverage: $1,198
Policy rates by type of insurance:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and RAV4 Hybrid trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota RAV4 Hybrid insurance rates go from as cheap as $434 for a discount liability-only rate to a high of $2,584 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above show why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $694
- Using higher $1,000 deductibles will save $1,044 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,198
- Selecting low $100 deductibles for physical damage coverage will cost $1,492
- Drivers with serious driving violations could pay around $2,584 or more
- Policy cost with full coverage for a teen driver can cost $4,498 or more
Insurance rates for a Toyota RAV4 Hybrid also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota RAV4 Hybrid insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,080 | -$118 | -9.8% |
| Alaska | $916 | -$282 | -23.5% |
| Arizona | $994 | -$204 | -17.0% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,362 | $164 | 13.7% |
| Colorado | $1,140 | -$58 | -4.8% |
| Connecticut | $1,226 | $28 | 2.3% |
| Delaware | $1,350 | $152 | 12.7% |
| Florida | $1,492 | $294 | 24.5% |
| Georgia | $1,104 | -$94 | -7.8% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $890 | -$308 | -25.7% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $806 | -$392 | -32.7% |
| Kansas | $1,134 | -$64 | -5.3% |
| Kentucky | $1,630 | $432 | 36.1% |
| Louisiana | $1,770 | $572 | 47.7% |
| Maine | $738 | -$460 | -38.4% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $954 | -$244 | -20.4% |
| Michigan | $2,076 | $878 | 73.3% |
| Minnesota | $1,000 | -$198 | -16.5% |
| Mississippi | $1,430 | $232 | 19.4% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,282 | $84 | 7.0% |
| Nebraska | $942 | -$256 | -21.4% |
| Nevada | $1,434 | $236 | 19.7% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,334 | $136 | 11.4% |
| New Mexico | $1,054 | -$144 | -12.0% |
| New York | $1,258 | $60 | 5.0% |
| North Carolina | $688 | -$510 | -42.6% |
| North Dakota | $978 | -$220 | -18.4% |
| Ohio | $824 | -$374 | -31.2% |
| Oklahoma | $1,226 | $28 | 2.3% |
| Oregon | $1,094 | -$104 | -8.7% |
| Pennsylvania | $1,140 | -$58 | -4.8% |
| Rhode Island | $1,592 | $394 | 32.9% |
| South Carolina | $1,084 | -$114 | -9.5% |
| South Dakota | $1,008 | -$190 | -15.9% |
| Tennessee | $1,044 | -$154 | -12.9% |
| Texas | $1,440 | $242 | 20.2% |
| Utah | $884 | -$314 | -26.2% |
| Vermont | $816 | -$382 | -31.9% |
| Virginia | $716 | -$482 | -40.2% |
| Washington | $920 | -$278 | -23.2% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $824 | -$374 | -31.2% |
| Wyoming | $1,062 | -$136 | -11.4% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2023 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2022 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2021 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2019 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2018 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2017 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
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 Buy the Cheapest Toyota RAV4 Hybrid Insurance
Finding cheaper rates on Toyota RAV4 Hybrid insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a recap of the data that was raised in the charts and tables above.
- Drivers can save around $140 per year simply by quoting early and online
- Drivers who purchase higher levels of liability will pay approximately $430 each year to increase from a 30/60 limit to higher 250/500 limits
- Teenage drivers are expensive to insure, costing up to $375 each month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents pay on average $1,390 more per year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,498 |
| 20 | $2,748 |
| 30 | $1,242 |
| 40 | $1,198 |
| 50 | $1,094 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,276 |
| 100/300 | $1,373 |
| 250/500 | $1,625 |
| 100 CSL | $1,314 |
| 300 CSL | $1,528 |
| 500 CSL | $1,683 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,376 |
| 30 | $2,634 |
| 40 | $2,584 |
| 50 | $2,464 |
| 60 | $2,442 |
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 | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
