Toyota RAV4 Hybrid Insurance Rates

The average insurance rates for a Toyota RAV4 Hybrid are $1,146 a year for full coverage. Comprehensive insurance costs on average $240, collision insurance costs $380, and liability coverage costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $2,468 or more. 16-year-old drivers cost the most to insure at up to $4,330 a year.

Average premium for full coverage: $1,146

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different RAV4 Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Toyota RAV4 Hybrid insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $668
• Drivers who choose higher $1,000 deductibles will pay around $142 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,146
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $270 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,468
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,330 a year

View Chart as Image

Insurance rates for a Toyota RAV4 Hybrid also range considerably based on your risk profile, the trim level of your RAV4 Hybrid, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,300 a year. View Rates by Age

Your home state makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $420 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost around 44% to 136% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Toyota RAV4 Hybrid Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a review of the car insurance concepts illustrated above.

• Drivers who have several accidents or serious violations will pay on average $1,320 more each year than a low-risk driver
• Drivers can save as much as $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Consumers who require more liability protection will pay around $430 each year to go from a 30/60 limit to 250/500 limits