Toyota RAV4 Insurance Rates
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UPDATED: Feb 24, 2023
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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.
Estimated insurance prices for a Toyota RAV4 are $1,056 every 12 months including full coverage. Comprehensive costs around $172 each year, collision insurance costs $252, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,278. Teens pay the most at up to $4,232 a year.
Average premium for full coverage: $1,056
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and RAV4 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota RAV4 range from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,278 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.
These rate differences highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, 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.
Additional Rate Details
The chart below breaks down average Toyota RAV4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $635
- Raising to $1,000 deductibles will save about $98 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,056
- Selecting low deductibles increases the price to $1,240
- Higher-risk drivers with serious driving violations could pay at least $2,278
- An auto insurance policy to insure a teen driver can be $4,232
Auto insurance prices for a Toyota RAV4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $290 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota RAV4 insurance rates. A middle-age driver might find prices as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,510 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $954 | -$102 | -9.7% |
| Alaska | $810 | -$246 | -23.3% |
| Arizona | $876 | -$180 | -17.0% |
| Arkansas | $1,056 | -$0 | 0.0% |
| California | $1,202 | $146 | 13.8% |
| Colorado | $1,008 | -$48 | -4.5% |
| Connecticut | $1,086 | $30 | 2.8% |
| Delaware | $1,196 | $140 | 13.3% |
| Florida | $1,322 | $266 | 25.2% |
| Georgia | $972 | -$84 | -8.0% |
| Hawaii | $758 | -$298 | -28.2% |
| Idaho | $712 | -$344 | -32.6% |
| Illinois | $786 | -$270 | -25.6% |
| Indiana | $792 | -$264 | -25.0% |
| Iowa | $712 | -$344 | -32.6% |
| Kansas | $1,004 | -$52 | -4.9% |
| Kentucky | $1,440 | $384 | 36.4% |
| Louisiana | $1,562 | $506 | 47.9% |
| Maine | $652 | -$404 | -38.3% |
| Maryland | $870 | -$186 | -17.6% |
| Massachusetts | $844 | -$212 | -20.1% |
| Michigan | $1,834 | $778 | 73.7% |
| Minnesota | $884 | -$172 | -16.3% |
| Mississippi | $1,262 | $206 | 19.5% |
| Missouri | $936 | -$120 | -11.4% |
| Montana | $1,134 | $78 | 7.4% |
| Nebraska | $830 | -$226 | -21.4% |
| Nevada | $1,266 | $210 | 19.9% |
| New Hampshire | $760 | -$296 | -28.0% |
| New Jersey | $1,180 | $124 | 11.7% |
| New Mexico | $936 | -$120 | -11.4% |
| New York | $1,112 | $56 | 5.3% |
| North Carolina | $608 | -$448 | -42.4% |
| North Dakota | $864 | -$192 | -18.2% |
| Ohio | $728 | -$328 | -31.1% |
| Oklahoma | $1,084 | $28 | 2.7% |
| Oregon | $966 | -$90 | -8.5% |
| Pennsylvania | $1,008 | -$48 | -4.5% |
| Rhode Island | $1,406 | $350 | 33.1% |
| South Carolina | $954 | -$102 | -9.7% |
| South Dakota | $890 | -$166 | -15.7% |
| Tennessee | $924 | -$132 | -12.5% |
| Texas | $1,272 | $216 | 20.5% |
| Utah | $780 | -$276 | -26.1% |
| Vermont | $722 | -$334 | -31.6% |
| Virginia | $632 | -$424 | -40.2% |
| Washington | $816 | -$240 | -22.7% |
| West Virginia | $966 | -$90 | -8.5% |
| Wisconsin | $730 | -$326 | -30.9% |
| Wyoming | $940 | -$116 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,032 | $86 |
| Toyota RAV4 Sport 2WD | $1,056 | $88 |
| Toyota RAV4 4WD | $1,056 | $88 |
| Toyota RAV4 Limited 2WD | $1,080 | $90 |
| Toyota RAV4 Limited 4WD | $1,080 | $90 |
| Toyota RAV4 Limited 4WD | $1,080 | $90 |
| Toyota RAV4 Sport 4WD | $1,080 | $90 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2019 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2018 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2017 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2016 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2015 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2014 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2012 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2011 Toyota RAV4 | $172 | $252 | $474 | $1,056 |
| 2010 Toyota RAV4 | $166 | $228 | $478 | $1,030 |
| 2009 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2008 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2007 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2006 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2005 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2004 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2003 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 Shop for Low Cost Toyota RAV4 Insurance
Finding better rates on Toyota RAV4 insurance consists of having a decent driving record, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a review of the concepts that were touched on in the above illustrations.
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,220 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $353 per month if comprehensive and collision insurance is included
- You may be able to save up to $120 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $275 each year
- You may be able to save up to $120 per year just by quoting online in advance
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.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Toyota RAV4 PRIME SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota RAV4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Rav4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Rav4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Later Release | 5 stars | 4 stars | 5 stars | 4 stars |
| 2015 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2014 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2013 Toyota Rav4 SUV FWD Later Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV FWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 SUV AWD Early Release | 4 stars | 4 stars | 5 stars | 4 stars |
| 2013 Toyota Rav4 EV SUV FWD | N/R | N/R | N/R | N/R |
| 2012 Toyota RAV4 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Toyota RAV4 SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Toyota RAV4 SUV FWD | 3 stars | 3 stars | 4 stars | 4 stars |
| 2011 Toyota RAV4 SUV AWD | 3 stars | 3 stars | 4 stars | 4 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.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -8% |
| Property Damage | -5% |
| Comprehensive | -23% |
| Personal Injury | 32% |
| Medical Payment | 19% |
| 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,232 |
| 20 | $2,422 |
| 30 | $1,076 |
| 40 | $1,056 |
| 50 | $968 |
| 60 | $950 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,240 |
| $250 | $1,154 |
| $500 | $1,056 |
| $1,000 | $958 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,056 |
| 50/100 | $1,175 |
| 100/300 | $1,293 |
| 250/500 | $1,601 |
| 100 CSL | $1,222 |
| 300 CSL | $1,483 |
| 500 CSL | $1,673 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,970 |
| 20 | $3,866 |
| 30 | $2,300 |
| 40 | $2,278 |
| 50 | $2,178 |
| 60 | $2,156 |
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 | $54 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $66 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $40 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $421 |
Discounts are estimated and may not be available from every company or in every state.
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