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Toyota RAV4 Insurance Rates

Toyota RAV4 insurance

The average insurance prices for a Toyota RAV4 are $1,262 every 12 months with full coverage. Comprehensive costs an estimated $280 a year, collision costs $476, and liability coverage costs $354. Liability-only coverage costs as little as $416 a year, with high-risk coverage costing around $2,708. Teen drivers cost the most to insure at $4,662 a year or more.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Comprehensive $280
Collision $476
Liability $354

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 $416 for minimum levels of liability insurance to a high of $2,708 for a driver who has had serious violations or accidents.

Liability Only $416
Full Coverage $1,262
High Risk $2,708

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 $947
Small Cities $1,325
Large Cities $1,704

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.

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Additional Rate Details

The chart below details estimated Toyota RAV4 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $734
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,088 annually
  • The average price for a good driver age 40 who has $500 deductibles is $1,262
  • Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,592
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,708 or more
  • Policy cost to insure a teenage driver can cost as much as $4,662 a year

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 insurance rates range from $734 to $4,662

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 $318 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 $4,600 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 $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% 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 $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,890 on average in New York, Michigan, and Florida.

Toyota RAV4 Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,210-$52-4.1%
Alaska$1,034-$228-18.1%
Arizona$1,264$20.2%
Arkansas$1,276$141.1%
California$1,414$15212.0%
Colorado$1,308$463.6%
Connecticut$1,650$38830.7%
Delaware$1,532$27021.4%
Florida$1,700$43834.7%
Georgia$1,250-$12-1.0%
Hawaii$1,360$987.8%
Idaho$876-$386-30.6%
Illinois$936-$326-25.8%
Indiana$898-$364-28.8%
Iowa$948-$314-24.9%
Kansas$1,156-$106-8.4%
Kentucky$1,630$36829.2%
Louisiana$2,040$77861.6%
Maine$864-$398-31.5%
Maryland$1,296$342.7%
Massachusetts$1,110-$152-12.0%
Michigan$2,316$1,05483.5%
Minnesota$1,106-$156-12.4%
Mississippi$1,234-$28-2.2%
Missouri$1,074-$188-14.9%
Montana$1,142-$120-9.5%
Nebraska$1,038-$224-17.7%
Nevada$1,626$36428.8%
New Hampshire$1,028-$234-18.5%
New Jersey$1,254-$8-0.6%
New Mexico$1,168-$94-7.4%
New York$1,638$37629.8%
North Carolina$894-$368-29.2%
North Dakota$1,224-$38-3.0%
Ohio$886-$376-29.8%
Oklahoma$1,530$26821.2%
Oregon$1,178-$84-6.7%
Pennsylvania$1,418$15612.4%
Rhode Island$1,528$26621.1%
South Carolina$1,174-$88-7.0%
South Dakota$988-$274-21.7%
Tennessee$1,134-$128-10.1%
Texas$1,210-$52-4.1%
Utah$1,116-$146-11.6%
Vermont$896-$366-29.0%
Virginia$906-$356-28.2%
Washington$1,110-$152-12.0%
West Virginia$1,282$201.6%
Wisconsin$1,282$201.6%
Wyoming$1,392$13010.3%

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 TrimAnnual PremiumMonthly Premium
Toyota RAV4 2WD$1,218$102
Toyota RAV4 Sport 2WD$1,262$105
Toyota RAV4 4WD$1,262$105
Toyota RAV4 Limited 2WD$1,302$109
Toyota RAV4 Limited 4WD$1,302$109
Toyota RAV4 Limited 4WD$1,302$109
Toyota RAV4 Sport 4WD$1,302$109

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Toyota RAV4$280$476$354$1,262
2017 Toyota RAV4$266$456$370$1,244
2016 Toyota RAV4$256$454$378$1,240
2015 Toyota RAV4$246$442$396$1,236
2014 Toyota RAV4$238$424$408$1,222
2013 Toyota RAV4$226$408$420$1,206
2012 Toyota RAV4$216$380$428$1,176
2011 Toyota RAV4$208$358$432$1,150
2010 Toyota RAV4$200$320$436$1,108
2009 Toyota RAV4$186$294$436$1,068
2008 Toyota RAV4$180$276$440$1,048
2007 Toyota RAV4$176$258$450$1,036
2006 Toyota RAV4$162$240$450$1,004
2005 Toyota RAV4$158$218$454$982
2004 Toyota RAV4$148$198$450$948
2003 Toyota RAV4$138$180$450$920
2002 Toyota RAV4$134$162$446$894
2001 Toyota RAV4$132$158$436$878
2000 Toyota RAV4$130$152$428$862
1999 Toyota RAV4$120$144$424$840

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 $389 each month if full coverage is included
  • Drivers who have several accidents or serious violations may pay on average $1,450 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 $150 per year simply by quoting early and online

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Rates by Driver Age

Toyota RAV4 Insurance Rates by Driver Age
Driver AgePremium
16$4,662
20$2,890
30$1,312
40$1,262
50$1,150
60$1,128

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,592
$250$1,440
$500$1,262
$1,000$1,088

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,262
50/100$1,373
100/300$1,461
250/500$1,691
100 CSL$1,408
300 CSL$1,603
500 CSL$1,745

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
AgePremium
16$6,644
20$4,588
30$2,768
40$2,708
50$2,582
60$2,556

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 $172

Potential Rate Discounts

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

DiscountSavings
Multi-policy$67
Multi-vehicle$64
Homeowner$18
5-yr Accident Free$92
5-yr Claim Free$80
Paid in Full/EFT$57
Advance Quote$61
Online Quote$89
Total Discounts$528
Rate after discounts $734

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

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