Toyota RAV4 4WD Insurance Rates

Estimated auto insurance rates for a Toyota RAV4 4WD are $1,328 annually for full coverage. Comprehensive insurance costs around $298 a year, collision costs $508, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $2,858 or more. Teenage drivers pay the most at $4,906 a year or more.

Annual premium for full coverage: $1,328

Premium estimates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota RAV4 Trim Level

These rate differences show why it is important for drivers to compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance rates for a Toyota RAV4 4WD also have a wide range based on the replacement cost of your RAV4, your driver profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota RAV4 4WD insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates will be substantially different between companies.

View Chart as Image

Chart shows Toyota RAV4 4WD insurance prices for different situations. The lowest price with discounts is $769. Drivers who use higher $1,000 deductibles will pay about $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,684. Drivers with multiple violations and accidents could be charged up to $2,858. The cost for full coverage for a 16-year-old driver can be as high as $4,906.

View Chart as Image