Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Estimated auto insurance rates for a Toyota RAV4 Hybrid are $1,146 annually including full coverage. Comprehensive costs around $240 a year, collision costs $380, and liability insurance costs $390. A policy with only liability insurance costs as little as $438 a year, with a high-risk policy costing around $2,468. Teens pay the most at $4,330 a year or more.
Average premium for full coverage: $1,146
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and RAV4 Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota RAV4 Hybrid go from as cheap as $438 for just the minimum liability insurance to a high of $2,468 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences highlight why it is important to compare rates for a specific zip code 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.
Additional Rate Analysis
The chart below breaks down estimated Toyota RAV4 Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $668
- Drivers who choose higher $1,000 deductibles will pay about $1,004 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,146
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,416
- High risk drivers with serious driving violations could pay at least $2,468 or more
- An auto insurance policy with full coverage for a teen driver can be $4,330 a year
Car insurance prices for a Toyota RAV4 Hybrid also have a wide range based on the model of your RAV4 Hybrid, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $420 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.
| 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 figure out your exact price is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different between companies.
| 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 Buy Cheap Toyota RAV4 Hybrid Insurance
Finding better rates on Toyota RAV4 Hybrid insurance not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the coverage data covered in the charts and tables above.
- You may be able to save up to $140 per year simply by quoting early and online
- Increasing policy deductibles could save up to $400 each year
- Drivers age 20 and younger are the costliest to insure, with the cost nearing $361 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations may 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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