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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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UPDATED: Apr 9, 2020

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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 $1,310 every 12 months with full coverage. Comprehensive costs an estimated $280 a year, collision costs $482, and liability coverage costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing around $2,822. Teen drivers cost the most to insure at $4,896 a year or more.

Average premium for full coverage: $1,310

Policy rates broken down by type of insurance:

Comprehensive $280
Collision $482
Liability $390

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 $452 for minimum levels of liability insurance to a high of $2,822 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,310
High Risk $2,822

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.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

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 $761
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,138 annually
  • The average price for a good driver age 40 who has $500 deductibles is $1,310
  • Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,644
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,822 or more
  • Policy cost to insure a teenage driver can cost as much as $4,896 a year

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 insurance rates range from $761 to $4,896

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 $510 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 $351 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 $4,800 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 128% 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 $1,770 on average in New York, Michigan, and Florida.

Toyota RAV4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$126 -9.6%
Alaska $1,004 -$306 -23.4%
Arizona $1,088 -$222 -16.9%
Arkansas $1,310 -$0 0.0%
California $1,492 $182 13.9%
Colorado $1,252 -$58 -4.4%
Connecticut $1,346 $36 2.7%
Delaware $1,484 $174 13.3%
Florida $1,640 $330 25.2%
Georgia $1,210 -$100 -7.6%
Hawaii $942 -$368 -28.1%
Idaho $886 -$424 -32.4%
Illinois $976 -$334 -25.5%
Indiana $986 -$324 -24.7%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,786 $476 36.3%
Louisiana $1,940 $630 48.1%
Maine $808 -$502 -38.3%
Maryland $1,080 -$230 -17.6%
Massachusetts $1,048 -$262 -20.0%
Michigan $2,278 $968 73.9%
Minnesota $1,094 -$216 -16.5%
Mississippi $1,568 $258 19.7%
Missouri $1,164 -$146 -11.1%
Montana $1,408 $98 7.5%
Nebraska $1,036 -$274 -20.9%
Nevada $1,570 $260 19.8%
New Hampshire $942 -$368 -28.1%
New Jersey $1,466 $156 11.9%
New Mexico $1,160 -$150 -11.5%
New York $1,380 $70 5.3%
North Carolina $754 -$556 -42.4%
North Dakota $1,074 -$236 -18.0%
Ohio $906 -$404 -30.8%
Oklahoma $1,346 $36 2.7%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,250 -$60 -4.6%
Rhode Island $1,748 $438 33.4%
South Carolina $1,188 -$122 -9.3%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,150 -$160 -12.2%
Texas $1,580 $270 20.6%
Utah $970 -$340 -26.0%
Vermont $896 -$414 -31.6%
Virginia $784 -$526 -40.2%
Washington $1,012 -$298 -22.7%
West Virginia $1,202 -$108 -8.2%
Wisconsin $906 -$404 -30.8%
Wyoming $1,168 -$142 -10.8%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

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

Toyota RAV4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota RAV4 2WD $1,268 $106
Toyota RAV4 Sport 2WD $1,310 $109
Toyota RAV4 4WD $1,310 $109
Toyota RAV4 Limited 2WD $1,354 $113
Toyota RAV4 Limited 4WD $1,354 $113
Toyota RAV4 Limited 4WD $1,354 $113
Toyota RAV4 Sport 4WD $1,354 $113

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.

Toyota RAV4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota RAV4 $280 $482 $390 $1,310
2019 Toyota RAV4 $270 $478 $398 $1,304
2018 Toyota RAV4 $260 $466 $416 $1,300
2017 Toyota RAV4 $250 $446 $430 $1,284
2016 Toyota RAV4 $238 $430 $442 $1,268
2015 Toyota RAV4 $228 $400 $452 $1,238
2014 Toyota RAV4 $218 $376 $456 $1,208
2013 Toyota RAV4 $210 $338 $460 $1,166
2012 Toyota RAV4 $196 $310 $460 $1,124
2011 Toyota RAV4 $190 $292 $464 $1,104
2010 Toyota RAV4 $184 $272 $474 $1,088
2009 Toyota RAV4 $172 $252 $474 $1,056
2008 Toyota RAV4 $166 $228 $478 $1,030
2007 Toyota RAV4 $156 $210 $474 $998
2006 Toyota RAV4 $146 $190 $474 $968
2005 Toyota RAV4 $142 $170 $468 $938
2004 Toyota RAV4 $140 $166 $460 $924
2003 Toyota RAV4 $136 $160 $452 $906
2002 Toyota RAV4 $126 $152 $446 $882
2001 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 $408 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.

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 $4,896
20 $3,012
30 $1,362
40 $1,310
50 $1,196
60 $1,172

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,490
$500 $1,310
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,432
100/300 $1,530
250/500 $1,783
100 CSL $1,471
300 CSL $1,686
500 CSL $1,842

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,972
20 $4,788
30 $2,880
40 $2,822
50 $2,692
60 $2,668

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $92
Total Discounts $549
Rate after discounts $761

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

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