Toyota RAV4 Insurance Rates
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UPDATED: Nov 29, 2021
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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.
The average insurance prices for a Toyota RAV4 are $1,304 every 12 months with full coverage. Comprehensive costs an estimated $270 a year, collision costs $478, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $2,816. Teen drivers cost the most to insure at $4,906 a year or more.
Average premium for full coverage: $1,304
Policy rates broken down by type of insurance:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and RAV4 trim levels.
Price Range Variability
For a driver in their 40's, Toyota RAV4 insurance rates go from the cheapest price of $460 for minimum levels of liability insurance to a high of $2,816 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than using 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 details estimated Toyota RAV4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $756
- Drivers who choose higher $1,000 deductibles will pay approximately $1,132 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,304
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,630
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,816 or more
- Policy cost to insure a teenage driver can cost as much as $4,906 a year
Insurance rates for a Toyota RAV4 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $500 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than average. View High Risk Driver Rates
Your home state makes a big difference in Toyota RAV4 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,760 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, and rates will be varied.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Toyota RAV4 2WD||$1,260||$105|
|Toyota RAV4 Sport 2WD||$1,304||$109|
|Toyota RAV4 4WD||$1,304||$109|
|Toyota RAV4 Limited 2WD||$1,344||$112|
|Toyota RAV4 Limited 4WD||$1,344||$112|
|Toyota RAV4 Limited 4WD||$1,344||$112|
|Toyota RAV4 Sport 4WD||$1,344||$112|
Rates assume 2020 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||$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|
|2013 Toyota RAV4||$196||$310||$460||$1,124|
|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|
|2002 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 Shop for Low Cost Toyota RAV4 Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.
The following is a review of the ideas that were covered in the charts and tables above.
- Teens are expensive to insure, as much as $409 each month if full coverage is included
- Drivers who have several accidents or serious violations may pay on average $1,510 more annually for RAV4 insurance
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- You may be able to save approximately $160 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.
|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|
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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.
|Insurance Coverage Category||Loss Rate|
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$94|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.