Toyota RAV4 Insurance Rates

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Kristen Gryglik

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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

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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 rates for a Toyota RAV4 are $1,030 a year including full coverage. Comprehensive insurance costs an estimated $166 a year, collision insurance costs $228, and liability coverage is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs $2,222 or more. Teens pay the most at up to $4,154 a year.

Average premium for full coverage: $1,030

Premium estimates broken down by type of coverage:

Comprehensive $166
Collision $228
Liability $478

Rate estimates include $500 physical damage insurance 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 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Toyota RAV4 range from the low end price of $526 for minimum levels of liability insurance to a high of $2,222 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $1,030
High Risk $2,222

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

These rate differences highlight why it is important to compare rates quotes for a targeted area, 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 Details

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

  • The cheapest rate after discounts is $623
  • Raising to $1,000 deductibles will save approximately $940 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,030
  • Selecting low $100 deductibles will cost an additional $172 each year
  • Unlucky drivers with serious driving violations could pay up to $2,222
  • An auto insurance policy that insures a teenage driver can cost as much as $4,154

View Chart as Image

Toyota RAV4 insurance cost comparison chart
Column chart showing Toyota RAV4 insurance prices range from $623 to $4,154 for full coverage

Insurance prices for a Toyota RAV4 also have a wide range based on the trim level of your RAV4, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,200 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $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 teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age

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 $790 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,470 on average in Louisiana, New York, and Michigan.

Toyota RAV4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $932 -$98 -9.5%
Alaska $792 -$238 -23.1%
Arizona $856 -$174 -16.9%
Arkansas $1,030 -$0 0.0%
California $1,174 $144 14.0%
Colorado $984 -$46 -4.5%
Connecticut $1,062 $32 3.1%
Delaware $1,166 $136 13.2%
Florida $1,290 $260 25.2%
Georgia $952 -$78 -7.6%
Hawaii $740 -$290 -28.2%
Idaho $698 -$332 -32.2%
Illinois $768 -$262 -25.4%
Indiana $776 -$254 -24.7%
Iowa $694 -$336 -32.6%
Kansas $982 -$48 -4.7%
Kentucky $1,408 $378 36.7%
Louisiana $1,524 $494 48.0%
Maine $636 -$394 -38.3%
Maryland $850 -$180 -17.5%
Massachusetts $826 -$204 -19.8%
Michigan $1,794 $764 74.2%
Minnesota $864 -$166 -16.1%
Mississippi $1,236 $206 20.0%
Missouri $916 -$114 -11.1%
Montana $1,108 $78 7.6%
Nebraska $814 -$216 -21.0%
Nevada $1,236 $206 20.0%
New Hampshire $742 -$288 -28.0%
New Jersey $1,154 $124 12.0%
New Mexico $912 -$118 -11.5%
New York $1,086 $56 5.4%
North Carolina $594 -$436 -42.3%
North Dakota $844 -$186 -18.1%
Ohio $712 -$318 -30.9%
Oklahoma $1,058 $28 2.7%
Oregon $944 -$86 -8.3%
Pennsylvania $984 -$46 -4.5%
Rhode Island $1,376 $346 33.6%
South Carolina $934 -$96 -9.3%
South Dakota $870 -$160 -15.5%
Tennessee $904 -$126 -12.2%
Texas $1,244 $214 20.8%
Utah $766 -$264 -25.6%
Vermont $706 -$324 -31.5%
Virginia $618 -$412 -40.0%
Washington $796 -$234 -22.7%
West Virginia $944 -$86 -8.3%
Wisconsin $714 -$316 -30.7%
Wyoming $920 -$110 -10.7%

View Chart as Image

Toyota RAV4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit

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 $1,008 $84
Toyota RAV4 Sport 2WD $1,030 $86
Toyota RAV4 4WD $1,030 $86
Toyota RAV4 Limited 2WD $1,054 $88
Toyota RAV4 Limited 4WD $1,054 $88
Toyota RAV4 Limited 4WD $1,054 $88
Toyota RAV4 Sport 4WD $1,054 $88

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.

Toyota RAV4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Find the Best Toyota RAV4 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Compare rates at every other renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief recap of the concepts that were covered in the charts and tables above.

  • Drivers who tend to receive serious violations could be charged and average of $1,190 more annually to insure their RAV4
  • Teen drivers are charged the highest prices, with the cost nearing $346 per month if full coverage is included
  • You may be able to save approximately $120 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $250 each year
  • You may be able to save approximately $120 per year just by quoting early and online

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 $4,154
20 $2,362
30 $1,048
40 $1,030
50 $948
60 $928

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,124
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,150
100/300 $1,269
250/500 $1,580
100 CSL $1,197
300 CSL $1,460
500 CSL $1,652

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,856
20 $3,768
30 $2,242
40 $2,222
50 $2,126
60 $2,104

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 $139

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $45
Online Quote $70
Total Discounts $407
Rate after discounts $623

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

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