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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U.S. average insurance rates for a Toyota RAV4 Hybrid are $1,230 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $450, and liability insurance costs around $384. Buying just liability costs as low as $432 a year, and insurance for high-risk drivers costs $2,656 or more. Teenage drivers pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,230

Price estimates by individual coverage:

Comprehensive $260
Collision $450
Liability $384

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and RAV4 Hybrid trim levels.

Price Range from Low to High

For a driver in their 40's, Toyota RAV4 Hybrid insurance prices range from as low as $432 for just liability coverage to a high of $2,656 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,230
High Risk $2,656

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

The ranges above show why it is important to compare prices using their specific location and risk profile, rather than relying on 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.

Detailed Rate Analysis

The chart below shows average Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $708
  • Using higher $1,000 deductibles will save $1,068 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,230
  • Using low $100 deductibles for physical damage coverage will cost an extra $312 a year
  • Drivers who are prone to accidents and violations could pay around $2,656
  • The price for full coverage for a teen driver can cost $4,598 or more

View Chart as Image

Toyota RAV4 Hybrid insurance cost comparison chart
Column chart showing Toyota RAV4 Hybrid insurance prices range from $708 to $4,598 for full coverage

Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on your driving record, the trim level of your RAV4 Hybrid, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Toyota RAV4 Hybrid insurance rates. A driver around age 40 might see prices as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

Toyota RAV4 Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,108 -$122 -9.9%
Alaska $942 -$288 -23.4%
Arizona $1,018 -$212 -17.2%
Arkansas $1,230 -$0 0.0%
California $1,400 $170 13.8%
Colorado $1,172 -$58 -4.7%
Connecticut $1,262 $32 2.6%
Delaware $1,388 $158 12.8%
Florida $1,534 $304 24.7%
Georgia $1,136 -$94 -7.6%
Hawaii $882 -$348 -28.3%
Idaho $832 -$398 -32.4%
Illinois $914 -$316 -25.7%
Indiana $926 -$304 -24.7%
Iowa $830 -$400 -32.5%
Kansas $1,164 -$66 -5.4%
Kentucky $1,676 $446 36.3%
Louisiana $1,818 $588 47.8%
Maine $758 -$472 -38.4%
Maryland $1,012 -$218 -17.7%
Massachusetts $980 -$250 -20.3%
Michigan $2,132 $902 73.3%
Minnesota $1,030 -$200 -16.3%
Mississippi $1,472 $242 19.7%
Missouri $1,088 -$142 -11.5%
Montana $1,318 $88 7.2%
Nebraska $966 -$264 -21.5%
Nevada $1,472 $242 19.7%
New Hampshire $886 -$344 -28.0%
New Jersey $1,372 $142 11.5%
New Mexico $1,086 -$144 -11.7%
New York $1,294 $64 5.2%
North Carolina $706 -$524 -42.6%
North Dakota $1,006 -$224 -18.2%
Ohio $846 -$384 -31.2%
Oklahoma $1,260 $30 2.4%
Oregon $1,126 -$104 -8.5%
Pennsylvania $1,170 -$60 -4.9%
Rhode Island $1,638 $408 33.2%
South Carolina $1,116 -$114 -9.3%
South Dakota $1,038 -$192 -15.6%
Tennessee $1,076 -$154 -12.5%
Texas $1,482 $252 20.5%
Utah $908 -$322 -26.2%
Vermont $840 -$390 -31.7%
Virginia $736 -$494 -40.2%
Washington $946 -$284 -23.1%
West Virginia $1,126 -$104 -8.5%
Wisconsin $850 -$380 -30.9%
Wyoming $1,094 -$136 -11.1%

View Chart as Image

Toyota RAV4 Hybrid insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $480 each year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than a normal 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 $336 $562 $316 $1,350
2023 Toyota RAV4 Hybrid $320 $542 $332 $1,330
2022 Toyota RAV4 Hybrid $306 $536 $338 $1,316
2021 Toyota RAV4 Hybrid $296 $524 $354 $1,310
2019 Toyota RAV4 Hybrid $270 $484 $376 $1,266
2018 Toyota RAV4 Hybrid $260 $450 $384 $1,230
2017 Toyota RAV4 Hybrid $250 $424 $388 $1,198

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 Cheap Toyota RAV4 Hybrid Insurance

Getting lower rates on Toyota RAV4 Hybrid insurance requires being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief summary of the data covered in the charts and tables above.

  • Drivers who purchase more liability protection will pay an extra $420 each year to increase from a low limit to 250/500 limits
  • Drivers can save around $150 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $475 each year
  • Youthful drivers are the costliest to insure, with premiums as much as $383 a month including comprehensive and collision insurance

Rates by Driver Age

Toyota RAV4 Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,598
20 $2,826
30 $1,278
40 $1,230
50 $1,124
60 $1,104

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,542
$250 $1,398
$500 $1,230
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,307
100/300 $1,403
250/500 $1,652
100 CSL $1,345
300 CSL $1,556
500 CSL $1,710

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $6,562
20 $4,498
30 $2,712
40 $2,656
50 $2,534
60 $2,512

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 $171

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $80
Paid in Full/EFT $55
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $708

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

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