Key Takeaways
The Toyota RAV4 insurance cost can be reduced significantly. 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. Following certain ways to manage some of these factors can help to cut down the Toyota RAV4 insurance rate. Learn how to compare rates among different insurers and find cheap Toyota RAV4 auto insurance quotes.
Toyota RAV4 auto insurance costs $1,428 on average per year. The insurance cost of this compact crossover SUV is decided based on various factors and parameters such as model years, price of the car, safety features, safety ratings, annual mileage, and several other non-driving factors. Based on the model year, vehicle usage, the owner's driving record, the model year, and several other factors, the insurance cost varies. Also, the car insurance providers' insurance rate varies according to the rate calculation methods and weightage to individual parameters employed by the respective insurers.
Here is an overview of Toyota RAV4 car insurance costs for different model years.
| Toyota RAV4 Model Years | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Toyota RAV4 2020 Model Year | $1,438 | $120 |
| Toyota RAV4 2019 Model Year | $1,510 | $126 |
| Toyota RAV4 2018 Model Year | $874 | $73 |
| Toyota RAV4 2017 Model Year | $844 | $70 |
| Toyota RAV4 2016 Model Year | $1,298 | $108 |
| Toyota RAV4 2015 Model Year | $795 | $66 |
| Toyota RAV4 2014 Model Year | $782 | $65 |
| Toyota RAV4 2013 Model Year | $774 | $65 |
| Toyota RAV4 2012 Model Year | $679 | $57 |
| Toyota RAV4 2011 Model Year | $679 | $57 |
Being one of the most sought-after compact crossover SUVs, the Toyota RAV4 has an average monthly insurance rate of $119. Here is a glimpse of the comparison among the top competitors of cars in the US.
| Car Models | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Honda CR-V | $1,320 | $110 |
| Ford Escape | $1,320 | $110 |
| Subaru Forester | $1,332 | $111 |
| Kia Sportage | $1,368 | $114 |
| Mazda CX-5 | $1,380 | $115 |
| Hyundai Tucson | $1,380 | $115 |
| Nissan Rogue | $1,428 | $119 |
| Chevrolet Equinox | $1,428 | $119 |
| Toyota RAV4 | $1,428 | $119 |
| Volkswagen Tiguan | $1,500 | $125 |
| Jeep Cherokee (or Compass) | $1,500 | $125 |
| Mitsubishi Outlander | $1,584 | $132 |
Insurers consider several driving- and non-driving factors in determining Toyota RAV4 auto insurance cost. 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.
Toyota RAV4 Model Year: The average annual insurance for your Toyota RAV 4 is significantly impacted by the model year or 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, the average annual Toyota RAV4 insurance cost of a 2011 model year RAV4 is $759 less than a 2020 model.
Toyota RAV4 Trim Level: Toyota RAV4 comes in different trim levels such as LE, XLE, XLE Premium, Adventure, TRD Off-Road, Limited, and Hybrid Limited. Insurance rates for each of these Toyota RAV4 trim levels vary due to the change in performance and specifications.
Toyota RAV4 Powertrain Type: Toyota RAV4 is available in both Hybrid and gas-only powertrains. Like the powertrain type differences in price, performance, and gas cost, the insurance cost also differs. The variations in repair and replacement costs of hybrid powertrains are reflected in your Toyota RAV4 insurance cost.
Toyota RAV4 Safety Ratings & Features: The standard and model-specific safety features and ratings given by various competent agencies have a significant impact on Toyota RAV4's cost. Based on higher security and safety features/ratings, you are likely getting lower insurance rates, especially on the Toyota RAV4, which has exclusive and advanced safety features.
Toyota RAV4 Theft Rate: The theft rate of Toyota RAV4 is quite high in certain US states, according to the National Insurance Crime Bureau report for 2020. So naturally, foreseeing the risk, insurers charge you a high premium for the Toyota RAV4 models.
Toyota RAV4 Repair Costs: Though the repair costs are generally low for RAV4, the cost changes with various trim levels. The Toyota RAV4 hybrid car maintenance and repair costs are higher due to advanced tech and high-priced parts. This rise in Toyota RAV4 repair costs increases insurance costs, too.
Toyota RAV4 Driver Location and Profile: Based on the risk possessed by the driver's ZIP code and the driving history. Certain locations have more risk factors with increased incidents of theft and vandalism. Also, drivers in the age bracket of 20 - 25 are considered high-risk drivers. DUI or other traffic law violations and road offenses in your driving record can shoot up your Toyota RAV4 insurance cost.
The cheapest insurance companies based on Toyota RAV4 model years are mainly Progressive, State Farm, Texas Farm Bureau, and Erie. Here is a comprehensive list of the cheapest insurance companies that offer the best Toyota RAV4 car insurance rates.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Progressive | $604 | $50 |
| State Farm | $698 | $58 |
| Texas Farm Bureau | $715 | $60 |
| Erie | $727 | $61 |
| USAA | $729 | $61 |
| Vermont Mutual | $808 | $67 |
| Tennessee Farmers | $839 | $70 |
| American Family | $961 | $80 |
| Nationwide | $971 | $81 |
| Country | $983 | $82 |
| Acuity | $1,010 | $84 |
The average annual and monthly Toyota RAV4 insurance cost for various model years changes according to various insurance companies.
The average annual Toyota RAV4 insurance cost for the 2020 model year is $1,438. From our research, the cheapest insurance company for this model year of Toyota RAV4 is Vermont Mutual. The monthly minimum premium for crossover SUVs ranges between $78 - $118.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Vermont Mutual | $941 | $78 |
| Nationwide | $958 | $80 |
| USAA | $1,210 | $101 |
| Country | $1,239 | $103 |
| Tennessee Farmers | $1,242 | $104 |
| Erie | $1,258 | $105 |
| Arbella | $1,295 | $108 |
| Mercury | $1,339 | $112 |
| Southern Farm Bureau | $1,360 | $113 |
| State Farm | $1,392 | $116 |
| American Family | $1,410 | $118 |
The cheapest annual Toyota RAV4 insurance cost for 2019 model year is $936. The minimum insurance rate offered by Cincinnati Insurance is $574 lower when compared to the average annual rate for the 2019 model year RAV4, $1,510.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Cincinnati Insurance | $936 | $78 |
| Auto-Owners | $1,061 | $88 |
| USAA | $1,077 | $90 |
| Erie | $1,091 | $91 |
| Nationwide | $1,134 | $95 |
| Country | $1,177 | $98 |
| Arbella | $1,281 | $107 |
| Acuity | $1,314 | $110 |
| Mercury | $1,315 | $110 |
| American Family | $1,332 | $111 |
| Southern Farm Bureau | $1,360 | $113 |
The average monthly Toyota RAV4 insurance cost of 2018 model year ranges between $53 and $92 (both rates included). While the average annual premium for the model year is $874, the cheapest insurance company offering the best rate for the car model is Erie.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $639 | $53 |
| USAA | $644 | $54 |
| Progressive | $668 | $56 |
| State Farm | $715 | $60 |
| Tennessee Farmers | $747 | $62 |
| Nationwide | $931 | $78 |
| Vermont Mutual | $932 | $78 |
| American Family | $978 | $82 |
| Country | $1,011 | $84 |
| Acuity | $1,023 | $85 |
| Plymouth Rock Insurance | $1,107 | $92 |
The Toyota RAV4 2017 model year's cheapest insurance rate is $626, offered by Erie. The average rate for the model year is $844. The cheapest Toyota RAV4 car insurance rate ranges from $52 - $86 among different car insurance providers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $626 | $52 |
| Progressive | $627 | $52 |
| USAA | $637 | $53 |
| State Farm | $676 | $56 |
| Tennessee Farmers | $737 | $61 |
| Texas Farm Bureau | $773 | $64 |
| Vermont Mutual | $933 | $78 |
| Nationwide | $937 | $78 |
| American Family | $955 | $80 |
| Country | $975 | $81 |
| Acuity | $1,033 | $86 |
Vermont Mutual offers the cheapest insurance rate for the 2016 model Toyota RAV4. The average insurance rate offered by the insurer is $766. The average annual Toyota RAV4 car insurance cost for the 2016 model year is $1,298.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Vermont Mutual | $766 | $64 |
| Texas Farm Bureau | $782 | $65 |
| Erie | $1,015 | $85 |
| Nationwide | $1,025 | $85 |
| Quincy Mutual | $1,059 | $88 |
| Country | $1,080 | $90 |
| Arbella | $1,086 | $91 |
| Tennessee Farmers | $1,105 | $92 |
| USAA | $1,122 | $94 |
| Acuity | $1,180 | $98 |
| Southern Farm Bureau | $1,194 | $100 |
The cheapest insurance companies offering the best rates for the Toyota RAV4 model year are Erie, USAA, State Farm, etc. The average annual premium for the car model year is $795. Here are some of the car insurance providers and the minimum average premium offered by each of them for the 2015 model year.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $577 | $48 |
| USAA | $591 | $49 |
| State Farm | $626 | $52 |
| Progressive | $638 | $53 |
| Texas Farm Bureau | $721 | $60 |
| Tennessee Farmers | $802 | $67 |
| Vermont Mutual | $820 | $68 |
| American Family | $877 | $73 |
| Country | $939 | $78 |
| Acuity | $950 | $79 |
| Nationwide | $969 | $81 |
The annual insurance cost of the Toyota RAV4 2014 model year is $782, on average. The lowest average monthly Toyota RAV4 car insurance cost for the model year is $549, offered by Erie.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $549 | $46 |
| USAA | $569 | $47 |
| Progressive | $614 | $51 |
| State Farm | $649 | $54 |
| Texas Farm Bureau | $709 | $59 |
| Tennessee Farmers | $803 | $67 |
| Vermont Mutual | $805 | $67 |
| American Family | $867 | $72 |
| Acuity | $928 | $77 |
| Country | $954 | $80 |
| Nationwide | $985 | $82 |
While the average annual insurance cost of the Toyota RAV4 2013 model year is $774, the cheapest insurance rates range between $45 and $80 monthly. The cheapest insurance rate for the car model year on average is $536 by Erie.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $536 | $45 |
| USAA | $565 | $47 |
| Progressive | $646 | $54 |
| Texas Farm Bureau | $658 | $55 |
| State Farm | $662 | $55 |
| Vermont Mutual | $751 | $63 |
| Tennessee Farmers | $782 | $65 |
| American Family | $852 | $71 |
| Acuity | $900 | $75 |
| Country | $949 | $79 |
| Plymouth Rock Insurance | $957 | $80 |
The minimum average annual premium for the Toyota RAV4 2012 model year is $483 by USAA. The annual average for the car model year is $679.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| USAA | $483 | $40 |
| State Farm | $501 | $42 |
| Erie | $510 | $43 |
| Progressive | $566 | $47 |
| Texas Farm Bureau | $681 | $57 |
| Vermont Mutual | $705 | $59 |
| Tennessee Farmers | $711 | $59 |
| American Family | $752 | $63 |
| Country | $818 | $68 |
| Acuity | $824 | $69 |
| Allstate | $835 | $70 |
For Toyota RAV4 2011 model year cars, the average annual insurance cost is $679. The cheapest Toyota RAV4 insurance rate for the model year is $469, offered by USAA.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| USAA | $469 | $39 |
| Erie | $494 | $41 |
| State Farm | $524 | $44 |
| Progressive | $551 | $46 |
| Texas Farm Bureau | $655 | $55 |
| Vermont Mutual | $668 | $56 |
| Tennessee Farmers | $693 | $58 |
| American Family | $724 | $60 |
| Allstate | $815 | $68 |
| Country | $815 | $68 |
| Nationwide | $831 | $69 |
Your Toyota RAV4 car insurance rates are influenced by each trim level's safety features and specifications. The unique safety features of RAV4 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 2020 Toyota RAV4.
| IIHS Safety Test Type | IIHS Safety Test Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Side: updated test | Acceptable |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights (varies by trim/option) | Good / Marginal / Poor |
| LATCH ease of use | Good |
| Front crash prevention: vehicle-to-vehicle | Superior |
| Front crash prevention: pedestrian (day) | Superior |
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 more in insurance in those states, where the score is a parameter to calculate insurance prices.
To find the best Toyota RAV4 car insurance rates, go through the ways mentioned below:
Compare quotes: Compare quotes from multiple insurers to get the best insights about the rates for each coverage and other particulars. Either receive quotes from the insurers separately or use super apps such as Way to find the best and the cheapest Toyota RAV4 auto insurance company.
Customize coverage: While searching for the cheapest insurance rates for your Toyota RAV4, decide upon the required coverage limits. It is best to avoid comprehensive or collision coverage if the vehicle is older and not under refinance. The rise in annual mileage increases the risk; therefore, such drivers are advised to cut the coverage.
Use safety discounts: Selected insurers offer discounts based on the advanced safety features present in your Toyota RAV4.
Ask for hybrid/eco discounts: Get the best-discounted rate for your Toyota RAV4 hybrid from insurers who offer green discounts.
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.
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
Way.com’s Insurance Broker Quote Data
It costs $1444 per year to insure a Toyota RAV4. The average monthly insurance rate for a Toyota RAV4 is $126.
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.
The average insurance rate of a Toyota RAV4 Hybrid is $1212 per year.
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