Toyota RAV4 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...

Insurance Lawyer

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 auto insurance rates for a Toyota RAV4 are $1,310 annually for full coverage insurance. Comprehensive insurance costs an estimated $280 a year, collision insurance costs $482, and liability coverage costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs $2,822 or more. Teens pay the highest rates at up to $4,896 a year.

Average premium for full coverage: $1,310

Price estimates broken down by individual coverage:

Comprehensive $280
Collision $482
Liability $390

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and RAV4 trim levels.

Price Range from Low to High

For the average driver, Toyota RAV4 insurance prices range from as cheap as $452 for the bare minimum liability coverage to a high of $2,822 for coverage for higher-risk drivers.

Liability Only $452
Full Coverage $1,310
High Risk $2,822

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The ranges above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than using 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.

Additional Rate Information

The chart below illustrates average Toyota RAV4 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $761
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,138 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,310
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $334 each year
  • High-risk insureds with serious driving violations could pay up to $2,822
  • The price with full coverage for a teenage driver can cost as much as $4,896 a year

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing Toyota RAV4 insurance prices range from $761 to $4,896 for full coverage

Insurance prices for a Toyota RAV4 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,800 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 $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota RAV4 insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

Toyota RAV4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$126 -9.6%
Alaska $1,004 -$306 -23.4%
Arizona $1,088 -$222 -16.9%
Arkansas $1,310 -$0 0.0%
California $1,492 $182 13.9%
Colorado $1,252 -$58 -4.4%
Connecticut $1,346 $36 2.7%
Delaware $1,484 $174 13.3%
Florida $1,640 $330 25.2%
Georgia $1,210 -$100 -7.6%
Hawaii $942 -$368 -28.1%
Idaho $886 -$424 -32.4%
Illinois $976 -$334 -25.5%
Indiana $986 -$324 -24.7%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,786 $476 36.3%
Louisiana $1,940 $630 48.1%
Maine $808 -$502 -38.3%
Maryland $1,080 -$230 -17.6%
Massachusetts $1,048 -$262 -20.0%
Michigan $2,278 $968 73.9%
Minnesota $1,094 -$216 -16.5%
Mississippi $1,568 $258 19.7%
Missouri $1,164 -$146 -11.1%
Montana $1,408 $98 7.5%
Nebraska $1,036 -$274 -20.9%
Nevada $1,570 $260 19.8%
New Hampshire $942 -$368 -28.1%
New Jersey $1,466 $156 11.9%
New Mexico $1,160 -$150 -11.5%
New York $1,380 $70 5.3%
North Carolina $754 -$556 -42.4%
North Dakota $1,074 -$236 -18.0%
Ohio $906 -$404 -30.8%
Oklahoma $1,346 $36 2.7%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,250 -$60 -4.6%
Rhode Island $1,748 $438 33.4%
South Carolina $1,188 -$122 -9.3%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,150 -$160 -12.2%
Texas $1,580 $270 20.6%
Utah $970 -$340 -26.0%
Vermont $896 -$414 -31.6%
Virginia $784 -$526 -40.2%
Washington $1,012 -$298 -22.7%
West Virginia $1,202 -$108 -8.2%
Wisconsin $906 -$404 -30.8%
Wyoming $1,168 -$142 -10.8%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota RAV4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota RAV4 2WD $1,268 $106
Toyota RAV4 Sport 2WD $1,310 $109
Toyota RAV4 4WD $1,310 $109
Toyota RAV4 Limited 2WD $1,354 $113
Toyota RAV4 Limited 4WD $1,354 $113
Toyota RAV4 Limited 4WD $1,354 $113
Toyota RAV4 Sport 4WD $1,354 $113

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.

Toyota RAV4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota RAV4 $294 $500 $372 $1,324
2023 Toyota RAV4 $280 $482 $390 $1,310
2022 Toyota RAV4 $270 $478 $398 $1,304
2021 Toyota RAV4 $260 $466 $416 $1,300
2020 Toyota RAV4 $250 $446 $430 $1,284
2019 Toyota RAV4 $238 $430 $442 $1,268
2018 Toyota RAV4 $228 $400 $452 $1,238
2017 Toyota RAV4 $218 $376 $456 $1,208
2016 Toyota RAV4 $210 $338 $460 $1,166
2015 Toyota RAV4 $196 $310 $460 $1,124
2014 Toyota RAV4 $190 $292 $464 $1,104
2012 Toyota RAV4 $172 $252 $474 $1,056
2011 Toyota RAV4 $166 $228 $478 $1,030
2010 Toyota RAV4 $156 $210 $474 $998
2009 Toyota RAV4 $146 $190 $474 $968
2008 Toyota RAV4 $142 $170 $468 $938
2007 Toyota RAV4 $140 $166 $460 $924
2006 Toyota RAV4 $136 $160 $452 $906
2005 Toyota RAV4 $126 $152 $446 $882
2004 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 Buy Affordable Toyota RAV4 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the primary concepts that were touched on above.

  • It is possible to save approximately $160 per year just by quoting early and online
  • Drivers with DUI or reckless driving convictions may pay on average $1,510 more annually to insure a Toyota RAV4
  • Increasing physical damage deductibles could save up to $500 each year
  • Drivers under the age of 20 are expensive to insure, as much as $408 a month if they have full coverage

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 TestedOverallFrontalSideRollover
2021 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2021 Toyota RAV4 PRIME SUV AWDN/RN/RN/RN/R
2021 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2020 Toyota RAV4 HYBRID SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV FWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 SUV AWD5 stars4 stars5 stars4 stars
2019 Toyota RAV4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2018 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 SUV FWD5 stars4 stars5 stars4 stars
2017 Toyota Rav4 Hybrid SUV AWD5 stars4 stars5 stars4 stars
2016 Toyota Rav4 SUV AWD5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Later Release5 stars4 stars5 stars4 stars
2015 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV FWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 SUV AWD4 stars4 stars5 stars4 stars
2014 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2013 Toyota Rav4 SUV FWD Later Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV FWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 SUV AWD Early Release4 stars4 stars5 stars4 stars
2013 Toyota Rav4 EV SUV FWDN/RN/RN/RN/R
2012 Toyota RAV4 SUV FWD4 stars4 stars5 stars4 stars
2012 Toyota RAV4 SUV AWD4 stars4 stars5 stars4 stars
2011 Toyota RAV4 SUV FWD3 stars3 stars4 stars4 stars
2011 Toyota RAV4 SUV AWD3 stars3 stars4 stars4 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 CategoryLoss Rate
Collision-8%
Property Damage-5%
Comprehensive-23%
Personal Injury32%
Medical Payment19%
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

  1. https://www.iihs.org/ratings/vehicle/toyota/rav4-4-door-suv/2020

Rates by Driver Age

Toyota RAV4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,896
20 $3,012
30 $1,362
40 $1,310
50 $1,196
60 $1,172

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,490
$500 $1,310
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,432
100/300 $1,530
250/500 $1,783
100 CSL $1,471
300 CSL $1,686
500 CSL $1,842

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,972
20 $4,788
30 $2,880
40 $2,822
50 $2,692
60 $2,668

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $92
Total Discounts $549
Rate after discounts $761

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

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