Toyota RAV4 Hybrid 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...

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UPDATED: Apr 15, 2024

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The average insurance rates for a Toyota RAV4 Hybrid are $1,198 a year including full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $424, and liability insurance costs $388. Liability-only insurance costs as little as $434 a year, and high-risk driver insurance costs $2,584 or more. Teens cost the most to insure at up to $4,498 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Comprehensive $250
Collision $424
Liability $388

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different RAV4 Hybrid trim levels.

Price Range Variability

For a driver around age 40, Toyota RAV4 Hybrid insurance rates range from as low as $434 for just liability coverage to a much higher rate of $2,584 for a policy for a high-risk driver.

Liability Only $434
Full Coverage $1,198
High Risk $2,584

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

The examples above highlight why anyone shopping for car insurance should compare rates 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.

Detailed Rate Analysis

The chart below breaks down average Toyota RAV4 Hybrid insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $694
  • Drivers who choose higher $1,000 deductibles will pay approximately $154 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,198
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $294 a year
  • High risk drivers with serious driving violations could pay up to $2,584
  • Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,498 a year

View Chart as Image

Toyota RAV4 Hybrid insurance cost comparison chart
Column chart showing Toyota RAV4 Hybrid insurance prices range from $694 to $4,498 for full coverage

Auto insurance rates for a Toyota RAV4 Hybrid also range considerably based on your risk profile, the model of your RAV4 Hybrid, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,400 a year. View Rates by Age

Your home state makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

Toyota RAV4 Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $994 -$204 -17.0%
Arkansas $1,198 -$0 0.0%
California $1,362 $164 13.7%
Colorado $1,140 -$58 -4.8%
Connecticut $1,226 $28 2.3%
Delaware $1,350 $152 12.7%
Florida $1,492 $294 24.5%
Georgia $1,104 -$94 -7.8%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $806 -$392 -32.7%
Kansas $1,134 -$64 -5.3%
Kentucky $1,630 $432 36.1%
Louisiana $1,770 $572 47.7%
Maine $738 -$460 -38.4%
Maryland $988 -$210 -17.5%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,000 -$198 -16.5%
Mississippi $1,430 $232 19.4%
Missouri $1,062 -$136 -11.4%
Montana $1,282 $84 7.0%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $864 -$334 -27.9%
New Jersey $1,334 $136 11.4%
New Mexico $1,054 -$144 -12.0%
New York $1,258 $60 5.0%
North Carolina $688 -$510 -42.6%
North Dakota $978 -$220 -18.4%
Ohio $824 -$374 -31.2%
Oklahoma $1,226 $28 2.3%
Oregon $1,094 -$104 -8.7%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,592 $394 32.9%
South Carolina $1,084 -$114 -9.5%
South Dakota $1,008 -$190 -15.9%
Tennessee $1,044 -$154 -12.9%
Texas $1,440 $242 20.2%
Utah $884 -$314 -26.2%
Vermont $816 -$382 -31.9%
Virginia $716 -$482 -40.2%
Washington $920 -$278 -23.2%
West Virginia $1,096 -$102 -8.5%
Wisconsin $824 -$374 -31.2%
Wyoming $1,062 -$136 -11.4%

View Chart as Image

Toyota RAV4 Hybrid insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $450 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Toyota RAV4 Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota RAV4 Hybrid $320 $542 $332 $1,330
2023 Toyota RAV4 Hybrid $306 $536 $338 $1,316
2022 Toyota RAV4 Hybrid $296 $524 $354 $1,310
2021 Toyota RAV4 Hybrid $286 $502 $364 $1,288
2019 Toyota RAV4 Hybrid $260 $450 $384 $1,230
2018 Toyota RAV4 Hybrid $250 $424 $388 $1,198
2017 Toyota RAV4 Hybrid $240 $380 $390 $1,146

Rates are averaged for all Toyota RAV4 Hybrid 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 Best Cheap Toyota RAV4 Hybrid Insurance

Finding cheaper rates on Toyota RAV4 Hybrid insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick review of the coverage data covered above.

  • You may be able to save approximately $140 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • Drivers age 20 and younger are the costliest to insure, with premiums being up to $375 each month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,390 more annually to buy Toyota RAV4 Hybrid insurance

Rates by Driver Age

Toyota RAV4 Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,498
20 $2,748
30 $1,242
40 $1,198
50 $1,094
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,354
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,276
100/300 $1,373
250/500 $1,625
100 CSL $1,314
300 CSL $1,528
500 CSL $1,683

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,376
30 $2,634
40 $2,584
50 $2,464
60 $2,442

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 $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

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

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