Toyota RAV4 Sport 2WD Insurance Rates

The average auto insurance rates for a Toyota RAV4 Sport 2WD are $1,328 annually with full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $508, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,858 or more. Teenage drivers cost the most to insure at up to $4,906 a year.

Annual premium for full coverage: $1,328

Policy rates for individual coverage:

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

Price Range for Insurance for this Toyota RAV4 Trim Level

These price differences demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Toyota RAV4 Sport 2WD also range considerably based on the model year, your driving record, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be 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 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota RAV4 Sport 2WD insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be varied between companies.

View Chart as Image

The chart above shows Toyota RAV4 Sport 2WD insurance prices for various situations. The cheapest discount price 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. Using lower $100 deductibles for comp and collision coverage could cost up to $1,684. Drivers with multiple violations and accidents could be charged around $2,858. The policy rate for full coverage for a 16-year-old driver can be as high as $4,906.

View Chart as Image