Toyota RAV4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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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.

Average insurance rates for a Toyota RAV4 are $1,088 a year for full coverage. Comprehensive costs on average $184 a year, collision costs $272, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,348. Teen drivers receive the highest rates at $4,326 a year or more.

Average premium for full coverage: $1,088

Rate estimates by individual coverage type:

Comprehensive $184
Collision $272
Liability $474

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and RAV4 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,348 for a high risk driver.

Liability Only $522
Full Coverage $1,088
High Risk $2,348

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $816
Small Cities $1,142
Large Cities $1,469

These examples show why it is important to compare rates based on a specific location 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.

Insurance Rate Analysis

The chart below shows estimated Toyota RAV4 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $651
  • Drivers who choose higher $1,000 deductibles will pay around $984 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,088
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,288
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,348 or more
  • The cost for full coverage for a teen driver may cost $4,326 a year

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 insurance rates range from $651 to $4,326

for a Toyota RAV4 can also vary considerably based on your driver profile, the trim level of your RAV4, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,300 a year. View Rates by Age

Where you live makes a big difference in Toyota RAV4 insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Idaho, Maine, and Iowa, or as much as $1,550 on average in Michigan, Louisiana, and New York.

Toyota RAV4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $984 -$104 -9.6%
Alaska $834 -$254 -23.3%
Arizona $904 -$184 -16.9%
Arkansas $1,088 -$0 0.0%
California $1,240 $152 14.0%
Colorado $1,040 -$48 -4.4%
Connecticut $1,120 $32 2.9%
Delaware $1,232 $144 13.2%
Florida $1,362 $274 25.2%
Georgia $1,002 -$86 -7.9%
Hawaii $782 -$306 -28.1%
Idaho $736 -$352 -32.4%
Illinois $810 -$278 -25.6%
Indiana $818 -$270 -24.8%
Iowa $734 -$354 -32.5%
Kansas $1,036 -$52 -4.8%
Kentucky $1,484 $396 36.4%
Louisiana $1,610 $522 48.0%
Maine $672 -$416 -38.2%
Maryland $896 -$192 -17.6%
Massachusetts $872 -$216 -19.9%
Michigan $1,890 $802 73.7%
Minnesota $910 -$178 -16.4%
Mississippi $1,304 $216 19.9%
Missouri $966 -$122 -11.2%
Montana $1,168 $80 7.4%
Nebraska $858 -$230 -21.1%
Nevada $1,306 $218 20.0%
New Hampshire $784 -$304 -27.9%
New Jersey $1,216 $128 11.8%
New Mexico $964 -$124 -11.4%
New York $1,146 $58 5.3%
North Carolina $626 -$462 -42.5%
North Dakota $892 -$196 -18.0%
Ohio $752 -$336 -30.9%
Oklahoma $1,118 $30 2.8%
Oregon $996 -$92 -8.5%
Pennsylvania $1,038 -$50 -4.6%
Rhode Island $1,450 $362 33.3%
South Carolina $986 -$102 -9.4%
South Dakota $920 -$168 -15.4%
Tennessee $954 -$134 -12.3%
Texas $1,312 $224 20.6%
Utah $804 -$284 -26.1%
Vermont $746 -$342 -31.4%
Virginia $650 -$438 -40.3%
Washington $842 -$246 -22.6%
West Virginia $998 -$90 -8.3%
Wisconsin $754 -$334 -30.7%
Wyoming $970 -$118 -10.8%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

Choosing high deductibles could save up to $310 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota RAV4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota RAV4 2WD $1,062 $89
Toyota RAV4 Sport 2WD $1,088 $91
Toyota RAV4 4WD $1,088 $91
Toyota RAV4 Limited 2WD $1,114 $93
Toyota RAV4 Limited 4WD $1,114 $93
Toyota RAV4 Limited 4WD $1,114 $93
Toyota RAV4 Sport 4WD $1,114 $93

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.

Toyota RAV4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota RAV4 $270 $478 $398 $1,304
2019 Toyota RAV4 $260 $466 $416 $1,300
2018 Toyota RAV4 $250 $446 $430 $1,284
2017 Toyota RAV4 $238 $430 $442 $1,268
2016 Toyota RAV4 $228 $400 $452 $1,238
2015 Toyota RAV4 $218 $376 $456 $1,208
2014 Toyota RAV4 $210 $338 $460 $1,166
2012 Toyota RAV4 $190 $292 $464 $1,104
2011 Toyota RAV4 $184 $272 $474 $1,088
2010 Toyota RAV4 $172 $252 $474 $1,056
2009 Toyota RAV4 $166 $228 $478 $1,030
2008 Toyota RAV4 $156 $210 $474 $998
2007 Toyota RAV4 $146 $190 $474 $968
2006 Toyota RAV4 $142 $170 $468 $938
2005 Toyota RAV4 $140 $166 $460 $924
2004 Toyota RAV4 $136 $160 $452 $906
2003 Toyota RAV4 $126 $152 $446 $882

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 Cheaper Toyota RAV4 Insurance

Saving money on Toyota RAV4 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $300 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $361 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,260 more each year for insurance

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.

Toyota RAV4 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2021 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 PRIME SUV AWDN/RN/RN/RN/R
2021 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV FWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV AWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2013 Toyota Rav4 SUV FWD Later Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2012 Toyota RAV4 SUV FWD4 stars4 stars5 stars4 stars
2012 Toyota RAV4 SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota RAV4 SUV FWD3 stars3 stars4 stars4 stars
2011 Toyota RAV4 SUV AWD3 stars3 stars4 stars4 stars
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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.

Toyota RAV4 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-8%
Property Damage-5%
Comprehensive-23%
Personal Injury32%
Medical Payment19%
Bodily Injury-5%
Get Your Rates Quote Now

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

  1. https://www.iihs.org/ratings/vehicle/toyota/rav4-4-door-suv/2020

Rates by Driver Age

Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,326
20 $2,496
30 $1,114
40 $1,088
50 $996
60 $976

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,088
$1,000 $984

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,088
50/100 $1,209
100/300 $1,327
250/500 $1,635
100 CSL $1,256
300 CSL $1,517
500 CSL $1,707

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,114
20 $3,980
30 $2,372
40 $2,348
50 $2,244
60 $2,222

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.

SR-22 Surcharge $148

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $74
Total Discounts $437
Rate after discounts $651

Discounts are estimated and may not be available from every company or in every state.

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