Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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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...
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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 with full coverage. Comprehensive costs approximately $240, collision costs $380, and liability coverage is estimated at $390. A policy with only liability insurance costs approximately $438 a year, with a high-risk policy costing around $2,468. Teenage drivers pay the most at $4,330 a year or more.
Average premium for full coverage: $1,146
Premium estimates by type of coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all RAV4 Hybrid models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota RAV4 Hybrid go from the cheapest price of $438 for basic liability insurance to the much higher price of $2,468 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location and their own driving history, rather than using 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.
Rate Comparisons
The chart below details estimated Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $668
- Choosing higher $1,000 deductibles can save $142 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,146
- Using pricier low deductibles for comp and collision coverage increases the price to $1,416
- Drivers who are prone to accidents and violations could pay around $2,468 or more
- An auto insurance policy to insure a teenage driver for full coverage can cost $4,330 each year
Car insurance prices for a Toyota RAV4 Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your RAV4 Hybrid.
Using high physical damage deductibles can save as much as $420 a year, whereas buying more liability protection will push prices upward. Moving 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
A more mature driver with no driving violations and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra annually, depending on your age. Toyota RAV4 Hybrid insurance for high-risk drivers ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota RAV4 Hybrid insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.
| 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 find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, 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 the Right Toyota RAV4 Hybrid Insurance
Finding better rates on auto insurance takes being safe and accident-free, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Make time to compare rates once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.
Below you'll find a quick rundown of the data that was touched on in this article.
- You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
- Consumers who purchase more liability protection will pay an extra $430 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers pay the highest auto insurance prices, possibly costing $361 per month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,320 more per year than a low-risk driver
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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