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.
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.
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 |
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 |
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.
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.
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.
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 |
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.
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 |
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.
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 |
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 |
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 |
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 |
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 |
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 |
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.
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.
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.
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.
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.
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.
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.
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.
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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