Toyota RAV4 Hybrid Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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.

U.S. average insurance rates for a Toyota RAV4 Hybrid are $1,146 a year for full coverage insurance. Comprehensive insurance costs on average $240 a year, collision insurance costs $380, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $2,468 or more. Teenage drivers pay the highest rates at up to $4,330 a year.

Average premium for full coverage: $1,146

Price estimates by individual coverage:

Comprehensive $240
Collision $380
Liability $390

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and RAV4 Hybrid trim levels.

Price Range from Low to High

For the average 40-year-old driver, Toyota RAV4 Hybrid insurance prices range from the low end price of $438 for the bare minimum liability coverage to a high of $2,468 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,146
High Risk $2,468

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $860
Small Cities $1,203
Large Cities $1,547

The ranges above illustrate why it is important to compare rates quotes based on a specific location, instead of making a decision based on 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 Information

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

  • The best discount rate is $668
  • Raising to $1,000 deductibles will save around $1,004 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,146
  • Using low $100 deductibles will cost an additional $270 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,468
  • The price that insures a 16-year-old driver may cost $4,330

View Chart as Image

Toyota RAV4 Hybrid insurance cost comparison chart
Column chart showing Toyota RAV4 Hybrid insurance prices range from $668 to $4,330 for full coverage

Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on the trim level of your RAV4 Hybrid, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,300 a year. View Rates by Age

The state you live in also has a big influence on Toyota RAV4 Hybrid insurance prices. A middle-age driver might find prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

Toyota RAV4 Hybrid Insurance Rates by State
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%

View Chart as Image

Toyota RAV4 Hybrid insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $420 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

Toyota RAV4 Hybrid Insurance Rates by Model Year
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 Find More Affordable Toyota RAV4 Hybrid Insurance

Getting lower rates on insurance for a Toyota RAV4 Hybrid consists of having a good driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a summary of the coverage data touched on in this article.

  • It is possible to save as much as $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $400 each year
  • Drivers age 20 and younger pay higher prices, as much as $361 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more each year to buy Toyota RAV4 Hybrid insurance

Rates by Driver Age

Toyota RAV4 Hybrid Insurance 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

Toyota RAV4 Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,290
$500 $1,146
$1,000 $1,004

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Hybrid Insurance Rates with Different Liability Limits
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

Toyota RAV4 Hybrid Insurance 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.

SR-22 Surcharge $157

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
Rate after discounts $668

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles