Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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The average auto insurance rates for a Toyota RAV4 Hybrid are $1,230 annually with full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $450, and liability insurance is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs around $2,656. Teenage drivers cost the most to insure at up to $4,598 a year.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and RAV4 Hybrid trim levels.
Price Range Variability
For a driver around age 40, Toyota RAV4 Hybrid insurance rates range from as cheap as $432 for minimum levels of liability insurance to a high of $2,656 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying 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 Details
The chart below details average Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $708
- Choosing higher $1,000 deductibles can save $1,068 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,230
- Using low $100 deductibles for comp and collision coverage will cost $1,542
- High-risk insureds who are prone to accidents and violations could pay around $2,656
- Policy cost with full coverage for a teen driver can cost $4,598 each year
Insurance rates for a Toyota RAV4 Hybrid also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $480 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota RAV4 Hybrid insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$122 | -9.9% |
| Alaska | $942 | -$288 | -23.4% |
| Arizona | $1,018 | -$212 | -17.2% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,400 | $170 | 13.8% |
| Colorado | $1,172 | -$58 | -4.7% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,388 | $158 | 12.8% |
| Florida | $1,534 | $304 | 24.7% |
| Georgia | $1,136 | -$94 | -7.6% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $914 | -$316 | -25.7% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,164 | -$66 | -5.4% |
| Kentucky | $1,676 | $446 | 36.3% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $980 | -$250 | -20.3% |
| Michigan | $2,132 | $902 | 73.3% |
| Minnesota | $1,030 | -$200 | -16.3% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,088 | -$142 | -11.5% |
| Montana | $1,318 | $88 | 7.2% |
| Nebraska | $966 | -$264 | -21.5% |
| Nevada | $1,472 | $242 | 19.7% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,372 | $142 | 11.5% |
| New Mexico | $1,086 | -$144 | -11.7% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $706 | -$524 | -42.6% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $846 | -$384 | -31.2% |
| Oklahoma | $1,260 | $30 | 2.4% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,170 | -$60 | -4.9% |
| Rhode Island | $1,638 | $408 | 33.2% |
| South Carolina | $1,116 | -$114 | -9.3% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $908 | -$322 | -26.2% |
| Vermont | $840 | -$390 | -31.7% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $946 | -$284 | -23.1% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $850 | -$380 | -30.9% |
| Wyoming | $1,094 | -$136 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $336 | $562 | $316 | $1,350 |
| 2023 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2022 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2021 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2019 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2018 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2017 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
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 Cheaper Toyota RAV4 Hybrid Insurance
Finding cheaper rates on Toyota RAV4 Hybrid insurance takes avoiding accidents and violations, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a condensed summary of the car insurance concepts covered above.
- High-risk drivers with multiple at-fault accidents may pay on average $1,430 more per year for car insurance
- You may be able to save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers who purchase higher liability limits will pay an extra $420 every year to raise limits from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,598 |
| 20 | $2,826 |
| 30 | $1,278 |
| 40 | $1,230 |
| 50 | $1,124 |
| 60 | $1,104 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,398 |
| $500 | $1,230 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,307 |
| 100/300 | $1,403 |
| 250/500 | $1,652 |
| 100 CSL | $1,345 |
| 300 CSL | $1,556 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,562 |
| 20 | $4,498 |
| 30 | $2,712 |
| 40 | $2,656 |
| 50 | $2,534 |
| 60 | $2,512 |
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 | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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