Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average auto insurance rates for a Toyota RAV4 Hybrid are $1,230 annually for full coverage insurance. Comprehensive insurance costs an estimated $260, collision costs $450, and liability insurance costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing $2,656 or more. Teenage drivers pay the highest rates at $4,598 a year or more.
Average premium for full coverage: $1,230
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all RAV4 Hybrid models.
Price Range from Low to High
For a driver around age 40, Toyota RAV4 Hybrid insurance prices go from as cheap as $432 for just liability insurance to the much higher price of $2,656 for a high-risk insurance policy.
Geographic Price Range
Your location has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why everyone should compare rates for a targeted area and their own personal driving habits, 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.
More Rate Details
The chart below illustrates estimated Toyota RAV4 Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $708
- Drivers who choose higher $1,000 deductibles will pay approximately $162 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,230
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $312 a year
- High risk drivers who are prone to accidents and violations could pay up to $2,656 or more
- The price with full coverage for a teen driver for full coverage can cost as much as $4,598 a year
Car insurance prices for a Toyota RAV4 Hybrid are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,500 to $2,000 extra each year, depending on your age. Toyota RAV4 Hybrid insurance for high-risk drivers can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,660 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.
| 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 Buy More Affordable Toyota RAV4 Hybrid Insurance
Getting lower rates on Toyota RAV4 Hybrid insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the car insurance concepts covered above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,430 more annually than a safer driver
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $475 each year
- Drivers who want an increased level of liability coverage will pay an extra $420 annually to go from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,398 |
| $500 | $1,230 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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