Toyota RAV4 Insurance Rates
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UPDATED: Jun 4, 2023
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Is a Toyota RAV4 expensive to insure? The average cost to insure a Toyota RAV4 is $1,324 a year, or $110 a month. While these rates will depend on the model year, as 2015 Toyota RAV4 insurance costs will be different than 2020 Toyota RAV4 insurance costs, the rates shouldn’t be drastically different.
Read on to learn about what drivers can do to secure cheap car insurance and save on Toyota RAV4 insurance rates.
Before you buy Toyota Rav4 car insurance, shop around to find out how much does it cost to insure a Rav4 in your area.
If you want to leap right into finding the best, affordable Toyota RAV4 car insurance quotes, enter your five-digit ZIP code into our FREE online quote tool above.
U.S. average insurance rates for a Toyota RAV4 are $1,056 a year for full coverage insurance. Comprehensive costs around $172 a year, collision costs $252, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,278. Teen drivers pay the highest rates at $4,232 a year or more.
Average premium for full coverage: $1,056
Price estimates for individual coverage:
Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and RAV4 trim levels.
Price Range from Low to High
For a driver in their 40's, Toyota RAV4 insurance prices go from as low as $522 for minimum levels of liability insurance to a high of $2,278 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on price averages.
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 illustrates estimated Toyota RAV4 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $635
- Using higher $1,000 deductibles will save about $958 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,056
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,240
- Drivers with multiple violations and an at-fault accident could pay at least $2,278 or more
- The price for full coverage for a teen driver can be $4,232 or more
Insurance prices for a Toyota RAV4 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,200 a year. View Rates by Age
The state you live in has a huge impact on Toyota RAV4 insurance rates. A driver around age 40 might see prices as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,430 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $954 | -$102 | -9.7% |
| Alaska | $810 | -$246 | -23.3% |
| Arizona | $876 | -$180 | -17.0% |
| Arkansas | $1,056 | -$0 | 0.0% |
| California | $1,202 | $146 | 13.8% |
| Colorado | $1,008 | -$48 | -4.5% |
| Connecticut | $1,086 | $30 | 2.8% |
| Delaware | $1,196 | $140 | 13.3% |
| Florida | $1,322 | $266 | 25.2% |
| Georgia | $972 | -$84 | -8.0% |
| Hawaii | $758 | -$298 | -28.2% |
| Idaho | $712 | -$344 | -32.6% |
| Illinois | $786 | -$270 | -25.6% |
| Indiana | $792 | -$264 | -25.0% |
| Iowa | $712 | -$344 | -32.6% |
| Kansas | $1,004 | -$52 | -4.9% |
| Kentucky | $1,440 | $384 | 36.4% |
| Louisiana | $1,562 | $506 | 47.9% |
| Maine | $652 | -$404 | -38.3% |
| Maryland | $870 | -$186 | -17.6% |
| Massachusetts | $844 | -$212 | -20.1% |
| Michigan | $1,834 | $778 | 73.7% |
| Minnesota | $884 | -$172 | -16.3% |
| Mississippi | $1,262 | $206 | 19.5% |
| Missouri | $936 | -$120 | -11.4% |
| Montana | $1,134 | $78 | 7.4% |
| Nebraska | $830 | -$226 | -21.4% |
| Nevada | $1,266 | $210 | 19.9% |
| New Hampshire | $760 | -$296 | -28.0% |
| New Jersey | $1,180 | $124 | 11.7% |
| New Mexico | $936 | -$120 | -11.4% |
| New York | $1,112 | $56 | 5.3% |
| North Carolina | $608 | -$448 | -42.4% |
| North Dakota | $864 | -$192 | -18.2% |
| Ohio | $728 | -$328 | -31.1% |
| Oklahoma | $1,084 | $28 | 2.7% |
| Oregon | $966 | -$90 | -8.5% |
| Pennsylvania | $1,008 | -$48 | -4.5% |
| Rhode Island | $1,406 | $350 | 33.1% |
| South Carolina | $954 | -$102 | -9.7% |
| South Dakota | $890 | -$166 | -15.7% |
| Tennessee | $924 | -$132 | -12.5% |
| Texas | $1,272 | $216 | 20.5% |
| Utah | $780 | -$276 | -26.1% |
| Vermont | $722 | -$334 | -31.6% |
| Virginia | $632 | -$424 | -40.2% |
| Washington | $816 | -$240 | -22.7% |
| West Virginia | $966 | -$90 | -8.5% |
| Wisconsin | $730 | -$326 | -30.9% |
| Wyoming | $940 | -$116 | -11.0% |
Choosing high deductibles could cut prices by as much as $290 each year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 137% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,032 | $86 |
| Toyota RAV4 Sport 2WD | $1,056 | $88 |
| Toyota RAV4 4WD | $1,056 | $88 |
| Toyota RAV4 Limited 2WD | $1,080 | $90 |
| Toyota RAV4 Limited 4WD | $1,080 | $90 |
| Toyota RAV4 Limited 4WD | $1,080 | $90 |
| Toyota RAV4 Sport 4WD | $1,080 | $90 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2019 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2018 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2017 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2016 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2015 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2014 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2012 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2011 Toyota RAV4 | $172 | $252 | $474 | $1,056 |
| 2010 Toyota RAV4 | $166 | $228 | $478 | $1,030 |
| 2009 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2008 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2007 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2006 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2005 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2004 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2003 Toyota RAV4 | $120 | $144 | $442 | $864 |
Rates are averaged for all Toyota RAV4 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 the Best Toyota RAV4 Insurance
Getting lower rates on Toyota RAV4 insurance requires being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief recap of the ideas that were covered in the charts and tables above.
- Teen drivers are charged the highest prices, as much as $353 a month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,220 more every year to insure their RAV4
- Increasing physical damage deductibles can save around $275 each year
- It is possible to save up to $120 per year simply by quoting early and online
If you want to know what is the average price of a Toyota RAV4 based on your record and age, shop around to find cheap Toyota RAV4 rates.
The average insurance cost for a Toyota RAV4 will depend on your model year as well, as 2018 RAV4 insurance costs will be different than Toyota RAV4 2007 costs. When looking for Toyota Rav4 car insurance, the company you select will look at all of these criteria and more.
To reduce your rates, enter your ZIP code in our free online tool below to find cheap RAV4 auto insurance.
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What are the safety ratings of the Toyota RAV4?
Great safety ratings and features can help reduce your Toyota RAV4 car insurance rates. Some of the best safety features on the Toyota RAV4 include multiple airbags, brake assist, blind-spot monitor, lane departure warning and assist, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) also gave the Toyota RAV4 a 2020 Top Safety Pick award. Take a look at the safety ratings for the crash tests on the Toyota RAV4 below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Curious how the IIHS crash tests vehicles? Watch the video below.
See more details about the Toyota RAV4 crash test ratings from the National Highway Traffic Safety Administration in the table below.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 PRIME SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2013 Toyota Rav4 SUV FWD Later Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2012 Toyota RAV4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota RAV4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota RAV4 SUV FWD | 3 stars | 3 stars | 4 stars | 4 stars |
| 2011 Toyota RAV4 SUV AWD | 3 stars | 3 stars | 4 stars | 4 stars |
A 5-star rating is the best possible score given by the National Highway Traffic Safety Administration. Overall, the Toyota RAV4 performed well. However, newer models received slightly better results than older models.
Toyota RAV4 Compared Against Other Vehicles in the Same Class
How much does it cost to insure a Toyota RAV4 with liability insurance? The answer depends on the liability losses. The IIHS found that in comparison to other small SUVs, the Toyota RAV4 has average liability losses.
See more specific details about the Toyota RAV4 insurance loss probability in the table below.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -8% |
| Property Damage | -5% |
| Comprehensive | -23% |
| Personal Injury | 32% |
| Medical Payment | 19% |
| Bodily Injury | -5% |
The lower the number, the better the insurance loss ratio. As previously mentioned, the Toyota RAV4 is average in almost every category. However, the personal injury insurance loss ratio is substantially worse than average.
To see how other small SUVs’ rates compare to the Toyota RAV4’s rates, check out the SUVs below.
You are now an expert on securing affordable Toyota RAV4 car insurance rates. Are you ready to start shopping for your best rate?
To save on insurance rates, make sure to shop around, whether you are wondering about RAV4 insurance rates in Ontario or how much should you pay for a 2018 Toyota RAV4 coverage plan.
To get started, just enter your five-digit ZIP code into our FREE online quote tool to find the best Toyota RAV4 insurance rates.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,232 |
| 20 | $2,422 |
| 30 | $1,076 |
| 40 | $1,056 |
| 50 | $968 |
| 60 | $950 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,240 |
| $250 | $1,154 |
| $500 | $1,056 |
| $1,000 | $958 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,056 |
| 50/100 | $1,175 |
| 100/300 | $1,293 |
| 250/500 | $1,601 |
| 100 CSL | $1,222 |
| 300 CSL | $1,483 |
| 500 CSL | $1,673 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,970 |
| 20 | $3,866 |
| 30 | $2,300 |
| 40 | $2,278 |
| 50 | $2,178 |
| 60 | $2,156 |
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 | $54 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $66 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $40 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $421 |
Discounts are estimated and may not be available from every company or in every state.
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