How Much is Toyota RAV4 Insurance? [Rates + Cheap Coverage Guide]

Toyota RAV4 insurance rates run around $195 less per year than the average vehicle. Good drivers may even save as much as $546 a year with policy discounts. Teen drivers, on the other hand, see the highest Toyota RAV4 insurance costs. Read on to learn more about Toyota RAV4 insurance, and how to get the most affordable Toyota RAV4 insurance rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 3, 2022

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Key takeaways:

  • Toyota RAV4 insurance costs around $1,324 a year for Full Coverage, or $110 each month
  • A liability-only policy costs around $531 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,839 a year or $403 each month
  • Good drivers can save as much as $546 a year by earning policy discounts
  • Toyota RAV4 rates run around $195 less per year than the average vehicle

If you drive a Toyota RAV4, you’re driving one of the safest and most reliable cars out there. Insurance for a Toyota RAV4 can cost around $195 less per year than the average vehicle, but there are many ways to save.

Read on to learn more about Toyota RAV4 insurance rates and how you can find the best Toyota RAV4 insurance quotes online now!

How much does it cost to insure my Toyota RAV4?

The average cost of insurance for a Toyota RAV4 is around $1,324 a year, or $110 a month.

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Are Toyota RAV4s expensive to insure?

The chart below details how Toyota’s insurance rates for a RAV4 compare to other crossovers like the Kia Sportage, BMW X6, and Lincoln MKT.

Vehicle Comprehensive Collision Liability Total
Toyota RAV4 $294 $500 $372 $1,324
Kia Sportage $280 $470 $372 $1,280
BMW X6 $432 $834 $398 $1,822
Lincoln MKT $370 $626 $450 $1,626
Lexus RX 450h $390 $718 $420 $1,708
Lexus NX 300 $376 $688 $372 $1,594
Mazda CX-3 $308 $500 $372 $1,338
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However, there are a few things you can do to find the most affordable Toyota car insurance rates online.

What factors affect car insurance rates for my Toyota RAV4?

The Toyota RAV4 trim and model you choose will affect the total price you will pay for your Toyota insurance.

Age of the Vehicle

The average Toyota RAV4 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Toyota RAV4 are $1,324, while 2010 Toyota RAV4 rates are $1,104, a difference of $220.

Model Year Comprehensive Collision Liability Total
2020 Toyota RAV4 $294 $500 $372 $1,324
2019 Toyota RAV4 $280 $482 $390 $1,310
2018 Toyota RAV4 $270 $478 $398 $1,304
2017 Toyota RAV4 $260 $466 $416 $1,300
2016 Toyota RAV4 $250 $446 $430 $1,284
2015 Toyota RAV4 $238 $430 $442 $1,268
2014 Toyota RAV4 $228 $400 $452 $1,238
2013 Toyota RAV4 $218 $376 $456 $1,208
2012 Toyota RAV4 $210 $338 $460 $1,166
2011 Toyota RAV4 $196 $310 $460 $1,124
2010 Toyota RAV4 $190 $292 $464 $1,104
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Driver Age

If we look at average car insurance rates by age, we can see that the driver’s age can have a significant impact on Toyota RAV4 car insurance rates.

For example, 20-year-old drivers pay approximately $1,620 more each year for their RAV4 insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota RAV4 insurance rates. For example, drivers in Houston may pay $976 a year more than drivers in Columbus, Ohio.

Your Driving Record

Your driving record can have an impact on the cost of auto insurance. Teens and drivers in their 20’s see the highest jump in their RAV4 insurance rates with violations on their driving record.

Toyota RAV4 Safety Ratings

Your RAV4 insurance rates are tied to the safety ratings of the Toyota RAV4. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Toyota RAV4 Crash Test Ratings

Good Toyota RAV4 crash test ratings can lower your Toyota RAV4 auto insurance rates. See Toyota RAV4 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota RAV4 Safety Features

Having a variety of safety features on your Toyota RAV4 can help lower your insurance costs. The 2020 Toyota RAV4’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Toyota RAV4 Insurance Loss Probability

Review the Toyota RAV4 car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

The lower percentage means lower Toyota RAV4 auto insurance costs; higher percentages mean higher Toyota RAV4 auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -8%
Comprehensive -31%
Personal Injury 17%
Medical Payment 11%
Bodily Injury -6%
Source: Insurance Institute for Highway Safety
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Toyota RAV4 Finance and Insurance Cost

If you are financing a Toyota RAV4, most lenders will require you to carry higher coverages, including comprehensive car insurance, so be sure to compare Toyota RAV4 car insurance rates from the best companies using our FREE tool below.

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How can I save on my Toyota RAV4 Insurance?

If you want to reduce the cost of insurance on your Toyota RAV4, follow these tips below:

  • Buy an older Toyota RAV4
  • Watch your insurer closely when your Toyota RAV4 needs repairs
  • Pay your insurance upfront
  • Take advantage of referral fees
  • Ask your insurance company about Toyota RAV4 discounts

Who has the cheapest insurance for the Toyota RAV4?

Who is the best auto insurance company for a Toyota RAV4?

While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota RAV4 auto insurance coverage (ordered by market share).

Many of these companies offer discounts for security systems and other safety features that the Toyota RAV4 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota RAV4 Insurance Quotes Online

You can start comparing Toyota RAV4 insurance quotes from some of the best car insurance companies by using our free online tool now.

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