Toyota RAV4 Insurance Rates
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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.
The average insurance rates for a Toyota RAV4 are $1,304 a year with full coverage. Comprehensive costs an estimated $270, collision insurance costs $478, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $2,816. Teens cost the most to insure at up to $4,906 a year.
Average premium for full coverage: $1,304
Policy rates broken down by type of insurance:
Prices are based on $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all RAV4 models.
Price Range Variability
For the average 40-year-old driver, Toyota RAV4 insurance rates range from as low as $460 for a discount liability-only rate to the much higher price of $2,816 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below details average Toyota RAV4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $756
- Choosing higher $1,000 deductibles can save approximately $172 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,304
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,630
- High-risk insureds with serious driving violations could pay up to $2,816
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,906 each year
Insurance rates for a Toyota RAV4 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota RAV4 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,760 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $1,000 | -$304 | -23.3% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,244 | -$60 | -4.6% |
| Connecticut | $1,340 | $36 | 2.8% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $980 | -$324 | -24.8% |
| Iowa | $880 | -$424 | -32.5% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,780 | $476 | 36.5% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $804 | -$500 | -38.3% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,092 | -$212 | -16.3% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,156 | -$148 | -11.3% |
| Montana | $1,400 | $96 | 7.4% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $940 | -$364 | -27.9% |
| New Jersey | $1,458 | $154 | 11.8% |
| New Mexico | $1,154 | -$150 | -11.5% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $902 | -$402 | -30.8% |
| Oklahoma | $1,340 | $36 | 2.8% |
| Oregon | $1,194 | -$110 | -8.4% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,182 | -$122 | -9.4% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,570 | $266 | 20.4% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,008 | -$296 | -22.7% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $902 | -$402 | -30.8% |
| Wyoming | $1,160 | -$144 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $500 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 additional every year, depending on your age. Toyota RAV4 insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
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 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 | $280 | $482 | $390 | $1,310 |
| 2023 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
| 2022 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2021 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2020 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2019 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2018 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2017 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2016 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2015 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2014 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2012 Toyota RAV4 | $166 | $228 | $478 | $1,030 |
| 2011 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2010 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2009 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2008 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2007 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2006 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2005 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 Find Affordable Toyota RAV4 Insurance
Finding cheaper rates on Toyota RAV4 insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief review of the primary concepts that were touched on in this article.
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,510 more annually for RAV4 insurance
- Increasing comprehensive and collision deductibles can save around $500 each year
- Teens are expensive to insure, as much as $409 each month including comprehensive and collision insurance
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 | $4,906 |
| 20 | $3,006 |
| 30 | $1,356 |
| 40 | $1,304 |
| 50 | $1,190 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,480 |
| $500 | $1,304 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,424 |
| 100/300 | $1,523 |
| 250/500 | $1,782 |
| 100 CSL | $1,463 |
| 300 CSL | $1,682 |
| 500 CSL | $1,842 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,984 |
| 20 | $4,782 |
| 30 | $2,874 |
| 40 | $2,816 |
| 50 | $2,688 |
| 60 | $2,664 |
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 | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $548 |
Discounts are estimated and may not be available from every company or in every state.
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