Toyota RAV4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 for full coverage. Comprehensive costs on average $270, collision costs $478, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $2,816. Teens cost the most to insure at $4,906 a year or more.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

Comprehensive $270
Collision $478
Liability $398

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all RAV4 models.

Price Range Variability

For a driver around age 40, Toyota RAV4 insurance rates go from the low end price of $460 for just liability insurance to the much higher price of $2,816 for a high-risk driver policy.

Liability Only $460
Full Coverage $1,304
High Risk $2,816

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $978
Small Cities $1,369
Large Cities $1,760

The examples above show why everyone should compare prices based on a specific location, 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.

More Rate Details

The chart below shows estimated Toyota RAV4 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $756
  • Using higher $1,000 deductibles will save around $172 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,304
  • Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,630
  • Drivers with serious driving violations could pay upwards of $2,816 or more
  • Policy cost that insures a teen driver for full coverage may cost $4,906 or more

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 insurance rates range from $756 to $4,906

Insurance rates for a Toyota RAV4 also range considerably based on the model of your RAV4, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Toyota RAV4 insurance for high-risk drivers can be anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Toyota RAV4 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,860 on average in Michigan, Louisiana, and New York.

Toyota RAV4 Insurance Rates by State
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%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, so the 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 $1,260 $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.

Toyota RAV4 Insurance Rates by Model Year
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 the Cheapest Toyota RAV4 Insurance

Finding cheaper rates on Toyota RAV4 insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a recap of the information covered above.

  • Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
  • Youthful drivers pay the highest rates, costing up to $409 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save approximately $500 each year
  • High-risk drivers that have major violations or accidents may pay on average $1,510 more each year than a low-risk driver
  • Drivers who require more liability protection will pay approximately $440 each year to increase from a 30/60 limit to the 250/500 level

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

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%

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 $4,906
20 $3,006
30 $1,356
40 $1,304
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,480
$500 $1,304
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
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

Toyota RAV4 Insurance 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.

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 $58
Advance Quote $64
Online Quote $92
Total Discounts $548
Rate after discounts $756

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

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