Toyota RAV4 Hybrid Insurance Rates
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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...
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UPDATED: Apr 15, 2024
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Average insurance prices for a Toyota RAV4 Hybrid are $1,198 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $250, collision costs $424, and liability coverage is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing $2,584 or more. Teens receive the highest rates at $4,498 a year or more.
Average premium for full coverage: $1,198
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different RAV4 Hybrid trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $434 for just liability insurance to a much higher rate of $2,584 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates how location impacts auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using 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.
More Rate Details
The chart below illustrates estimated Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $694
- Raising to $1,000 deductibles will save $154 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,198
- Selecting more expensive low deductibles costs an extra $294 each year
- Unlucky drivers with serious driving violations could pay around $2,584 or more
- The cost to insure a teenage driver with full coverage can cost $4,498
Auto insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your RAV4 Hybrid.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota RAV4 Hybrid insurance rates. A middle-age driver might find rates as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,610 on average in Florida, New York, 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
| 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 Shop for the Best Toyota RAV4 Hybrid Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below is a brief recap of the data touched on above.
- Consumers who purchase higher levels of liability will pay approximately $430 annually to raise from a minimum limit to a 250/500 level
- It is possible to save around $140 per year simply by shopping early and online
- Increasing deductibles could save as much as $450 each year
- Teenage drivers have the highest car insurance rates, costing up to $375 per month if comprehensive and collision insurance is included
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.
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