Toyota RAV4 Insurance Rates
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Michelle Robbins
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UPDATED: May 1, 2024
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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 auto insurance rates for a Toyota RAV4 are $1,300 annually for full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $466, and liability insurance costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs around $2,812. Teenage drivers receive the highest rates at up to $4,930 a year.
Average premium for full coverage: $1,300
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and RAV4 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $474 for just liability coverage to a high rate of $2,812 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples show why all drivers should compare prices 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.
Detailed Rate Analysis
The chart below shows average Toyota RAV4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $753
- Using higher $1,000 deductibles will save $164 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,300
- Using low deductibles for physical damage coverage will cost $1,620
- Drivers who are prone to accidents and violations could pay around $2,812
- The cost with full coverage for a teen driver can cost $4,930 or more
Insurance rates for a Toyota RAV4 can also vary considerably based on the trim level of your RAV4, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $490 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota RAV4 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,860 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $998 | -$302 | -23.2% |
| Arizona | $1,080 | -$220 | -16.9% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,480 | $180 | 13.8% |
| Colorado | $1,242 | -$58 | -4.5% |
| Connecticut | $1,338 | $38 | 2.9% |
| Delaware | $1,470 | $170 | 13.1% |
| Florida | $1,626 | $326 | 25.1% |
| Georgia | $1,200 | -$100 | -7.7% |
| Hawaii | $932 | -$368 | -28.3% |
| Idaho | $880 | -$420 | -32.3% |
| Illinois | $970 | -$330 | -25.4% |
| Indiana | $980 | -$320 | -24.6% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,236 | -$64 | -4.9% |
| Kentucky | $1,774 | $474 | 36.5% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $802 | -$498 | -38.3% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$260 | -20.0% |
| Michigan | $2,258 | $958 | 73.7% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,558 | $258 | 19.8% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,398 | $98 | 7.5% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $938 | -$362 | -27.8% |
| New Jersey | $1,452 | $152 | 11.7% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $900 | -$400 | -30.8% |
| Oklahoma | $1,334 | $34 | 2.6% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,240 | -$60 | -4.6% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,098 | -$202 | -15.5% |
| Tennessee | $1,140 | -$160 | -12.3% |
| Texas | $1,568 | $268 | 20.6% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $890 | -$410 | -31.5% |
| Virginia | $780 | -$520 | -40.0% |
| Washington | $1,006 | -$294 | -22.6% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,158 | -$142 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,258 | $105 |
| Toyota RAV4 Sport 2WD | $1,300 | $108 |
| Toyota RAV4 4WD | $1,300 | $108 |
| Toyota RAV4 Limited 2WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Sport 4WD | $1,340 | $112 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
| 2023 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2022 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2021 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2020 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2019 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2018 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2017 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2016 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2015 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2014 Toyota RAV4 | $172 | $252 | $474 | $1,056 |
| 2012 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2011 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2010 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2009 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2008 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2007 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2006 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 Buy Cheaper Toyota RAV4 Insurance
Saving money on Toyota RAV4 insurance requires being safe and accident-free, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a condensed summary of the car insurance concepts covered in the charts and tables above.
- High-risk drivers with multiple at-fault accidents pay on average $1,510 more per year than a low-risk driver
- Drivers can save around $150 per year just by quoting online in advance
- Increasing deductibles could save up to $475 each year
- Drivers who purchase more liability protection will pay an extra $460 each year to increase from a minimum limit to higher 250/500 limits
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 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.
Toyota RAV4 Insurance Loss Probability| 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 | $4,930 |
| 20 | $3,002 |
| 30 | $1,350 |
| 40 | $1,300 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,620 |
| $250 | $1,472 |
| $500 | $1,300 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,423 |
| 100/300 | $1,527 |
| 250/500 | $1,798 |
| 100 CSL | $1,465 |
| 300 CSL | $1,694 |
| 500 CSL | $1,860 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,016 |
| 20 | $4,780 |
| 30 | $2,870 |
| 40 | $2,812 |
| 50 | $2,686 |
| 60 | $2,662 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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