Toyota RAV4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
U.S. average insurance rates for a Toyota RAV4 are $1,300 a year for full coverage insurance. Comprehensive insurance costs an estimated $260 a year, collision costs $466, and liability coverage costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing $2,812 or more. Teenage drivers pay the highest rates at $4,930 a year or more.
Average premium for full coverage: $1,300
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and RAV4 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota RAV4 insurance prices go from the low end price of $474 for basic liability insurance to a high of $2,812 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates how where you live affects insurance prices.
The ranges above illustrate why it is important to compare prices for a targeted area, rather than using average rates.
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.
Rate Comparisons
The chart below illustrates estimated Toyota RAV4 insurance rates for other coverage scenarios.
- The best discount rate is $753
- Using higher $1,000 deductibles will save approximately $1,136 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,300
- Using low $100 deductibles for physical damage coverage will cost an additional $320 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,812 or more
- The price that insures a teenage driver can cost as much as $4,930 or more
Insurance prices for a Toyota RAV4 are also quite variable based on the trim level of your RAV4, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age
The state you live in has a huge impact on Toyota RAV4 insurance rates. A driver around age 40 might see prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,760 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$126 | -9.7% |
| Alaska | $998 | -$302 | -23.2% |
| Arizona | $1,080 | -$220 | -16.9% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,480 | $180 | 13.8% |
| Colorado | $1,242 | -$58 | -4.5% |
| Connecticut | $1,338 | $38 | 2.9% |
| Delaware | $1,470 | $170 | 13.1% |
| Florida | $1,626 | $326 | 25.1% |
| Georgia | $1,200 | -$100 | -7.7% |
| Hawaii | $932 | -$368 | -28.3% |
| Idaho | $880 | -$420 | -32.3% |
| Illinois | $970 | -$330 | -25.4% |
| Indiana | $980 | -$320 | -24.6% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,236 | -$64 | -4.9% |
| Kentucky | $1,774 | $474 | 36.5% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $802 | -$498 | -38.3% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$260 | -20.0% |
| Michigan | $2,258 | $958 | 73.7% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,558 | $258 | 19.8% |
| Missouri | $1,154 | -$146 | -11.2% |
| Montana | $1,398 | $98 | 7.5% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $938 | -$362 | -27.8% |
| New Jersey | $1,452 | $152 | 11.7% |
| New Mexico | $1,150 | -$150 | -11.5% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $900 | -$400 | -30.8% |
| Oklahoma | $1,334 | $34 | 2.6% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,240 | -$60 | -4.6% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,178 | -$122 | -9.4% |
| South Dakota | $1,098 | -$202 | -15.5% |
| Tennessee | $1,140 | -$160 | -12.3% |
| Texas | $1,568 | $268 | 20.6% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $890 | -$410 | -31.5% |
| Virginia | $780 | -$520 | -40.0% |
| Washington | $1,006 | -$294 | -22.6% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,158 | -$142 | -10.9% |
Using high physical damage deductibles could cut prices by as much as $490 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,258 | $105 |
| Toyota RAV4 Sport 2WD | $1,300 | $108 |
| Toyota RAV4 4WD | $1,300 | $108 |
| Toyota RAV4 Limited 2WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Limited 4WD | $1,340 | $112 |
| Toyota RAV4 Sport 4WD | $1,340 | $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 | $270 | $478 | $398 | $1,304 |
| 2023 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2022 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2021 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2020 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2019 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2018 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2017 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2016 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2015 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2014 Toyota RAV4 | $172 | $252 | $474 | $1,056 |
| 2012 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2011 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2010 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2009 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2008 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2007 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2006 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
Getting lower rates on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Compare prices at least every other year by quoting rates from direct insurance companies, and also from local insurance agencies.
The items below are a brief review of the car insurance concepts touched on in the above illustrations.
- Drivers with DUI or reckless driving convictions may have to pay on average $1,510 more annually to insure their RAV4
- It is possible to save approximately $150 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $475 each year
- Consumers who want more liability coverage will pay an extra $460 annually to increase from a low 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 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 | $4,930 |
| 20 | $3,002 |
| 30 | $1,350 |
| 40 | $1,300 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,620 |
| $250 | $1,472 |
| $500 | $1,300 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,423 |
| 100/300 | $1,527 |
| 250/500 | $1,798 |
| 100 CSL | $1,465 |
| 300 CSL | $1,694 |
| 500 CSL | $1,860 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,016 |
| 20 | $4,780 |
| 30 | $2,870 |
| 40 | $2,812 |
| 50 | $2,686 |
| 60 | $2,662 |
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 | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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