Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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The average insurance prices for a Toyota RAV4 Hybrid are $1,198 every 12 months for full coverage. Comprehensive insurance costs on average $250, collision costs $424, and liability coverage costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $2,584 or more. Teenage drivers cost the most to insure at $4,498 a year or more.
Average premium for full coverage: $1,198
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different RAV4 Hybrid trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota RAV4 Hybrid insurance rates go from the cheapest price of $434 for the bare minimum liability coverage to a much higher rate of $2,584 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, 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.
Additional Rate Information
The chart below shows estimated Toyota RAV4 Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $694
- Drivers who choose higher $1,000 deductibles will pay around $154 a year
- The average price for a good driver age 40 with $500 deductibles is $1,198
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $294 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,584 or more
- Policy cost to insure a teenage driver with full coverage may cost $4,498 a year
Car insurance rates for a Toyota RAV4 Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your RAV4 Hybrid.
Using high physical damage deductibles could save up to $450 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Shop for Cheaper Toyota RAV4 Hybrid Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The following list is a condensed summary of the concepts that were touched on in this article.
- Drivers with multiple at-fault accidents pay an average of $1,390 more each year than a safer driver
- Drivers age 16 to 20 are expensive to insure, costing up to $375 each month if the policy includes full coverage
- Drivers can save as much as $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Drivers can save as much as $140 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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