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Toyota RAV4 Car Insurance

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Key Takeaways

  • A Toyota RAV4 will cost $1444 per year on average to insure.
  • Allied, USAA, Erie, and Nationwide offer the cheapest insurance rates for models of Toyota RAV4.
  • The cheapest Toyota RAV4 to insure Prime XSE AWD costs $1564 annually and $136 per month.

Toyota RAV4, manufactured by Toyota, launched as a compact crossover SUV, is the first of its kind. RAV4 was created for consumers desiring a car with the features of an SUV with the mobility and fuel economy of a compact car. Though not all cars in this model are four-wheel drive, RAV4 stands for Recreational Active Vehicle with 4-wheel drive or Robust Accurate Vehicle with 4-wheel drive.

RAV4 honed the title of the best-selling SUV in 2019. However, when it comes to insurance, the price of the car, its safety features, and different driving and non-driving factors are considered to calculate the premium rates.

Here, we look at the model's cheapest insurance company and if any insurance discounts are available for this crossover SUV from Toyota.

Toyota RAV4 Car Insurance Cost

It costs $1444 per year to insure a Toyota RAV4. The average monthly insurance rate for a Toyota RAV4 is $126. Trim level and model year impact the insurance rates of this crossover SUV.

Is Toyota RAV4 expensive to insure?

Toyota RAV4 is a sought-after compact crossover SUV. Unfortunately, the insurance rate of a Toyota RAV4 is slightly lesser than the national average. However, the insurance rates of a RAV4, compared to similar SUVs, show that it is less expensive than the Jeep Compass, Nissan Rogue, and Jeep Wrangler, with a rough difference of $306.

Make/Model Average Annual Insurance Cost
Mazda CX-5 $1,164
Subaru Crosstrek $1,230
Hyundai Kona $1,324
Subaru Forester $1,326
Volkswagen Tiguan $1,330
Honda CR-V $1,342
Mazda CX-30 $1,356
Chevrolet Equinox $1,430
Toyota RAV4 $1,446
Kia Soul $1,448
Jeep Compass $1,484
Nissan Rogue $1,498
Ford Escape $1,504
Hyundai Ioniq 5 $1,520
Jeep Wrangler $1,752

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Does a used Toyota RAV4 cost less to insure?

One of the most convenient methods that can be used for moderating the insurance rates is by owning a used model of the car. For instance, insuring a used 2016 Toyota RAV4 can save you around $214 annually. Below are the insurance rates for the used models of Toyota RAV4.

Model Year and Vehicle Average Annual Rate
2022 Toyota RAV4 $1,446
2021 Toyota RAV4 $1,440
2020 Toyota RAV4 $1,412
2019 Toyota RAV4 $1,350
2018 Toyota RAV4 $1,308
2017 Toyota RAV4 $1,294
2016 Toyota RAV4 $1,232
2015 Toyota RAV4 $1,142
2014 Toyota RAV4 $1,138
2013 Toyota RAV4 $1,098

What impacts the cost of Toyota RAV 4 car insurance?

Insurance companies consider several driving- and non-driving-related factors when determining insurance premiums. Consequently, it varies from person to person and is dependent on the automobile's make and model. Here, we examine the primary influences of Toyota RAV4 auto insurance rates.

Age of the Car

The average annual insurance for your Toyota RAV 4 is significantly impacted by the age of the vehicle. While purchasing a new model can be expensive, the safety features in recent models can regulate the otherwise high insurance costs. As a result, older Toyota RAV4 models will be less expensive to insure, even if they may have fewer features.

For example, insuring a 2013 RAV4 rather than a brand-new 2022 model could result in annual insurance cost savings of $368 or more.

Age of the Driver

Since age can classify you as a high-risk or low-risk driver, car insurance rates highly depend on the driver's age. For example, due to inexperience, teenage drivers will pay $4940 annually on average, while an older driver pays in the range of $1406 and lesser.

Age Average Annual Premium
Teens $4940
20s $2469
30s $1406
40s $1186

Location of the Driver

Along with the car's value, the driver's location is a significant factor in setting insurance prices. Insurance companies base their price calculations on a location's accident and theft records. The Toyota RAV4, a popular crossover SUV, will be subjected to this.

Observing the state-wise insurance rates for Toyota RAV4, the most expensive state to insure this crossover is Michigan, with $2298 annually. However, states like Hawaii, Ohio, North Carolina, Vermont, Virginia, and Wisconsin have annual average rates between $860 and $1000.

State Average Annual Premium
Alabama $1720
Alaska $1268
Arizona $1288
Arkansas $1546
California $1654
Colorado $1540
Connecticut $1400
Delaware $1470
Florida $2108
Georgia $1396
Hawaii $982
Idaho $1320
Illinois $1168
Indiana $1082
Iowa $1048
Kansas $1454
Kentucky $1680
Louisiana $2090
Maine $1000
Maryland $1304
Massachusetts $1184
Michigan $2298
Minnesota $1270
Mississippi $1366
Missouri $1532
Montana $1406
Nebraska $1378
Nevada $1586
New Hampshire $874
New Jersey $1366
New Mexico $1160
New York $1536
North Carolina $920
North Dakota $1202
Ohio $842
Oklahoma $1404
Oregon $1212
Pennsylvania $1216
Rhode Island $1700
South Carolina $1330
South Dakota $1310
Tennessee $1140
Texas $1362
Utah $1196
Vermont $960
Virginia $934
Washington, D.C. $1098
West Virginia $1300
Wisconsin $982
Wyoming $1328

Driving Record

Your driving history is an important factor that determines how much you pay for car insurance. Therefore, keeping a spotless driving record is crucial if you want to bring down the cost of your insurance premiums. For example, the car insurance premium for your Toyota RAV4 may go up due to infractions such as speeding tickets, DUI charges, and other traffic penalties.

Trim Level

The trim levels also influence the insurance rates of your Toyota RAV4. For example, looking at the different trim levels of a 2022 Toyota RAV4, we observe that Prime XSEAW is the most expensive to insure. This will cost $1564 annually, while the cheapest trim level to insure is LE2WD, costing $1336 annually.

Toyota RAV4 Trim Level Annual Policy 6-month Policy Per Month
LE 2WD $1,338 $672 $117
LE AWD $1,366 $686 $119
XLE 2WD $1,368 $687 $120
LE Hybrid AWD $1,390 $698 $121
XLE AWD $1,394 $700 $122
XLE Hybrid AWD $1,416 $711 $124
XLE Premium 2WD $1,426 $716 $124
SE Hybrid AWD $1,430 $718 $125
XLE Premium AWD $1,442 $724 $126
Adventure AWD $1,450 $728 $126
XLE Premium Hybrid AWD $1,458 $732 $127
XSE Hybrid AWD $1,480 $743 $129
Limited 2WD $1,486 $746 $129
Limited AWD $1,496 $751 $130
TRD Off-Road AWD $1,494 $747 $131
Limited Hybrid AWD $1,506 $756 $125
Prime SE AWD $1,531 $769 $133
Prime XSE AWD $1,564 $785 $136

Insurance Company

There are nationally recognized insurance providers that offer insurance for your Toyota RAV4. Among the insurance companies discussed below, Progressive and USAA offer the cheapest insurance rates for Toyota RAV4.

Insurance Company Average Annual Insurance Rate
Nationwide $1350
USAA $1091
Allied $1609
State Farm $1289
All State $1564
Progressive $1218

Here is a list of providers offering the best coverage for Toyota RAV4 according to the model year.

2020 Toyota RAV 4

The average annual insurance cost of a 2020 Toyota RAV4 is $1508. Allied and Vermont Mutual provide the cheapest rates.

Insurance Company Average Annual Insurance Rate
Erie 1336
Southern Farm Bureau 1438
Tennesse Farmers 1320
State Farm 1470
USAA 1288
Allied 719
Mercury 1417
Arbella 1373
Nationwide 1306
Vermont Mutual 1019

2019 Toyota RAV 4

The average annual insurance cost of a 2019 Toyota RAV4 is $1588. USAA and Cincinnati Insurance provide the cheapest rates.

Insurance Company Average Annual Insurance Rate
Cincinnati Insurance $1013
USAA $1155
Erie $1169
Southern Farm Bureau $1438
Auto Owners $1139
Country $1255
Arbella $1358
American Family $1410
Mercury $1393

2018 Toyota RAV 4

The average annual insurance cost of a 2018 Toyota RAV4 is $951. USAA and Erie provide the cheapest rates for this model of RAV4.

Insurance Company Average Annual Insurance Rate
Nationwide $1009
USAA $712
Erie $717
State Farm $793
Tennesse Farmers $825
Acuity $1105
Vermont Mutual $1010
Progressive $746
Country $1089
Acuity $1101
Allied 1025

2017 Toyota RAV 4

The average annual insurance cost of a 2017 Toyota RAV4 is $923. Progressive, Erie, and USAA provide the cheapest rates for this model.

Insurance Company Average Annual Insurance Rate
Nationwide $1015
USAA $715
Erie $704
State Farm $755
Tennesse Farmers $815
Progressive $705
Vermont Mutual $1011
Country $1053
American Family $1033
Allied $1027

2016 Toyota RAV 4

The average annual insurance cost of a 2016 Toyota RAV4 is $1375. Vermont Mutual, Texas Farm Bureau, and Allied provide the cheapest rates for this model.

Insurance Company Average Annual Insurance Rate
Nationwide $1103
USAA $1200
Allied $867
Erie $1093
Country $1158
Arbella $1164
Acuity $1258
Quincy Mutual $1137
Vermont Mutual $844
Texas Farm Bureau $860

2015 Toyota RAV4

The average annual insurance cost of a 2015 Toyota RAV4 is $873. USAA, State Farm, and Progressive provide the cheapest rates.

Insurance Company Average Annual Insurance Rate
Nationwide $1047
USAA $669
Erie $655
State Farm $703
Texas Farm Bureau $799
Acuity $1028
American Family $955
Vermont Mutual $898
Progressive $716
Tennessee Farmers $880

Safety Features and Safety Ratings

Your Toyota RAV4 car insurance rates are influenced by each trim level's safety features and specifications. Here, we examine the factors that influence insurance quotes. These unique characteristics not only guarantee safety but also lower insurance costs. The following are the most important safety features of the Toyota RAV4.

According to the Insurance Institute for Highway Safety data, the test types carried out have good ratings for a Toyota RAV4. The model tested here for crashworthiness is a 2022 Toyota RAV4.

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side: Original Test Good
Side: Updated Test Acceptable
Roof strength Good
Head restraints and seats Good

Moreover, the numerous safety features of a Toyota RAV4 not only ensure safety but also ensure a lower insurance rating. These are the safety features exclusive to Toyota RAV4.

  • Traction Control
  • Enhanced Vehicle Stability Control
  • Brake Assist
  • Smart Stop Technologies
  • Lane Tracing Assist
  • Lane Departure Alert with Steering Assist
  • Road Sign Assist
  • Full-Speed Range Dynamic Radar Cruise Control

Ways to Save on Toyota RAV4 Car Insurance

You can use a few strategies to cut costs on the insurance for your Toyota RAV 4. First, you may get a jump start on finding an affordable choice for you by shopping around for insurance quotes from other providers. This will offer you the opportunity to compare prices. This is just one of the many strategies that can help you reduce your monthly insurance premiums.

Compare and Purchase

Thorough online research can help you choose the best insurance provider that suits your needs. Since providers consider different criteria for calculating the rates, it is important to finalize the provider based on your requirements.

Look for Discounts

Always look for discounts when you are purchasing insurance. Most providers give multipolicy, telematics, good driver, and bundling discounts. It can make a huge difference in the premium rates. Different providers also offer pay-in-full discounts.

Make Use of Student Discounts

You can reduce the cost of your vehicle insurance premiums by utilizing good student discounts and bundling your policies, even if the rates for teen drivers are higher than average. In addition, you can link your policy with that of your parents, which would significantly reduce your monthly insurance rates.

Increase your Deductible

Higher deductibles reduce accident claims and auto insurance prices. But you must compare deductibles to see if a lower deductible saves money, then choose one that fits your budget and needs.

Improve your Credit Score

If you are looking for an affordable quote for your Toyota RAV4, better rates can be obtained by improving and maintaining your credit score. Low credit scores cost at least $240 more in insurance in those states that use them to calculate insurance prices.

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Bottom Line

To keep your auto insurance premiums as low as possible, you must keep your driving record spotless. One can shop around and ensure they get the appropriate discounts and a lower insurance premium. However, in the case of an SUV such as the Toyota RAV4, the obvious rule is that the lower the discount, the better the safety and performance features, the lower the discount.

How to get Toyota RAV4 1500 Car Insurance with Way.com

It is advisable to gather as much information as possible before settling on an insurance provider. Doing your research by analyzing the quotes for your Toyota RAV4 after obtaining them online will reward you with better coverage at a lower price.

Way.com gives you a head start by researching the finest vehicle insurance providers in the country based on variables that will influence the experience, financial strength, customer service, protection, and pricing of your insurance coverage.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much does it cost to insure a Toyota RAV4?

It costs $1444 per year to insure a Toyota RAV4. The average monthly insurance rate for a Toyota RAV4 is $126.

Is a Toyota RAV4 expensive to insure?

the insurance rate of a Toyota RAV4 is slightly lesser than the national average. However, the insurance rates of a RAV4, compared to similar SUVs, show that it is less expensive than the Jeep Compass, Nissan Rogue, and Jeep Wrangler.

How much is the insurance for the Toyota RAV4 hybrid?

The average insurance rate of a Toyota RAV4 Hybrid is $1212 per year.

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