Toyota RAV4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 3, 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.
Average insurance rates for a Toyota RAV4 are $1,304 a year for full coverage insurance. Comprehensive costs approximately $270 a year, collision costs $478, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $2,816. Teen drivers receive the highest rates at $4,906 a year or more.
Average premium for full coverage: $1,304
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and RAV4 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $460 for just liability insurance to a high of $2,816 for high-risk insurance.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why it is important to compare rates using their specific location, rather than using price averages.
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 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $756
- Drivers who choose higher $1,000 deductibles will pay $1,132 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,304
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,630
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,816 or more
- The cost that insures a teenage driver can cost $4,906 a year
Car insurance rates for a Toyota RAV4 can also vary considerably based on the trim level of your RAV4, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age
Where you live makes a big difference in Toyota RAV4 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,180 | -$124 | -9.5% |
| Alaska | $1,000 | -$304 | -23.3% |
| Arizona | $1,082 | -$222 | -17.0% |
| Arkansas | $1,304 | -$0 | 0.0% |
| California | $1,484 | $180 | 13.8% |
| Colorado | $1,244 | -$60 | -4.6% |
| Connecticut | $1,340 | $36 | 2.8% |
| Delaware | $1,474 | $170 | 13.0% |
| Florida | $1,630 | $326 | 25.0% |
| Georgia | $1,202 | -$102 | -7.8% |
| Hawaii | $936 | -$368 | -28.2% |
| Idaho | $882 | -$422 | -32.4% |
| Illinois | $972 | -$332 | -25.5% |
| Indiana | $980 | -$324 | -24.8% |
| Iowa | $880 | -$424 | -32.5% |
| Kansas | $1,240 | -$64 | -4.9% |
| Kentucky | $1,780 | $476 | 36.5% |
| Louisiana | $1,928 | $624 | 47.9% |
| Maine | $804 | -$500 | -38.3% |
| Maryland | $1,074 | -$230 | -17.6% |
| Massachusetts | $1,044 | -$260 | -19.9% |
| Michigan | $2,264 | $960 | 73.6% |
| Minnesota | $1,092 | -$212 | -16.3% |
| Mississippi | $1,562 | $258 | 19.8% |
| Missouri | $1,156 | -$148 | -11.3% |
| Montana | $1,400 | $96 | 7.4% |
| Nebraska | $1,028 | -$276 | -21.2% |
| Nevada | $1,562 | $258 | 19.8% |
| New Hampshire | $940 | -$364 | -27.9% |
| New Jersey | $1,458 | $154 | 11.8% |
| New Mexico | $1,154 | -$150 | -11.5% |
| New York | $1,374 | $70 | 5.4% |
| North Carolina | $750 | -$554 | -42.5% |
| North Dakota | $1,066 | -$238 | -18.3% |
| Ohio | $902 | -$402 | -30.8% |
| Oklahoma | $1,340 | $36 | 2.8% |
| Oregon | $1,194 | -$110 | -8.4% |
| Pennsylvania | $1,244 | -$60 | -4.6% |
| Rhode Island | $1,738 | $434 | 33.3% |
| South Carolina | $1,182 | -$122 | -9.4% |
| South Dakota | $1,100 | -$204 | -15.6% |
| Tennessee | $1,142 | -$162 | -12.4% |
| Texas | $1,570 | $266 | 20.4% |
| Utah | $966 | -$338 | -25.9% |
| Vermont | $892 | -$412 | -31.6% |
| Virginia | $780 | -$524 | -40.2% |
| Washington | $1,008 | -$296 | -22.7% |
| West Virginia | $1,194 | -$110 | -8.4% |
| Wisconsin | $902 | -$402 | -30.8% |
| Wyoming | $1,160 | -$144 | -11.0% |
Choosing high deductibles could save up to $500 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota RAV4 2WD | $1,260 | $105 |
| Toyota RAV4 Sport 2WD | $1,304 | $109 |
| Toyota RAV4 4WD | $1,304 | $109 |
| Toyota RAV4 Limited 2WD | $1,344 | $112 |
| Toyota RAV4 Limited 4WD | $1,344 | $112 |
| Toyota RAV4 Limited 4WD | $1,344 | $112 |
| Toyota RAV4 Sport 4WD | $1,344 | $112 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 | $280 | $482 | $390 | $1,310 |
| 2023 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
| 2022 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
| 2021 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
| 2020 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
| 2019 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
| 2018 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
| 2017 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
| 2016 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
| 2015 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
| 2014 Toyota RAV4 | $184 | $272 | $474 | $1,088 |
| 2012 Toyota RAV4 | $166 | $228 | $478 | $1,030 |
| 2011 Toyota RAV4 | $156 | $210 | $474 | $998 |
| 2010 Toyota RAV4 | $146 | $190 | $474 | $968 |
| 2009 Toyota RAV4 | $142 | $170 | $468 | $938 |
| 2008 Toyota RAV4 | $140 | $166 | $460 | $924 |
| 2007 Toyota RAV4 | $136 | $160 | $452 | $906 |
| 2006 Toyota RAV4 | $126 | $152 | $446 | $882 |
| 2005 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 Right Toyota RAV4 Insurance
Saving money on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The points below are a quick rundown of the material that was raised in the charts and tables above.
- Consumers who purchase increased liability limits will pay about $440 annually to go from a minimum limit to the 250/500 level
- Drivers under the age of 20 pay the highest auto insurance rates, costing up to $409 per month if full coverage is purchased
- Drivers with reckless driving or DUI convictions could be charged and average of $1,510 more per year to insure a Toyota RAV4
- Increasing deductibles can save approximately $500 each year
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 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.
Toyota RAV4 Insurance Loss Probability| 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 | $4,906 |
| 20 | $3,006 |
| 30 | $1,356 |
| 40 | $1,304 |
| 50 | $1,190 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,630 |
| $250 | $1,480 |
| $500 | $1,304 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,304 |
| 50/100 | $1,424 |
| 100/300 | $1,523 |
| 250/500 | $1,782 |
| 100 CSL | $1,463 |
| 300 CSL | $1,682 |
| 500 CSL | $1,842 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,984 |
| 20 | $4,782 |
| 30 | $2,874 |
| 40 | $2,816 |
| 50 | $2,688 |
| 60 | $2,664 |
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 | $69 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $548 |
Discounts are estimated and may not be available from every company or in every state.
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