Best Toyota RAV4 Car Insurance Quotes (2023)
The average Toyota RAV4 insurance rates are $110/mo, but you can find cheap Toyota RAV4 insurance quotes when you comparison shop with our free tool. Your individual Toyota RAV4 insurance costs will be based on your driving record, location, and the age of your Toyota, so read this guide to find the best Toyota RAV4 insurance coverage in your state.
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Written by
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Reviewed by
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UPDATED: Aug 14, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 14, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,324 a year 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 insurance costs around $195 less per year than the average vehicle
Toyota RAV4 insurance rates are quite a bit less than the average vehicle with full coverage costing around $1,324 a year or $110 a month. Liability-only coverage may be a good fit for drivers of an older Toyota RAV4 and costs around $531 a year or $44 a month. Let’s take a closer look at Toyota RAV4 insurance rates, crash test ratings, and more.
Looking for cheap Toyota RAV4 insurance quotes? You can start comparing quotes for Toyota RAV4 car insurance rates from some of the best insurance companies by using our free online tool now.
Toyota RAV4 Insurance Cost
The average car insurance costs for a Toyota RAV4 are $1,324 a year or $110 a month.
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Are Toyota RAV4s Expensive to Insure?
The chart below details how Toyota RAV4 insurance rates compare to other crossovers like the Audi SQ5, Chevrolet Trax, and Honda CR-V.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota RAV4 | $294 | $500 | $372 | $1,324 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| Honda CR-V | $280 | $408 | $316 | $1,140 |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| Lexus NX 300 | $376 | $688 | $372 | $1,594 |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
What Impacts the Cost of Toyota RAV4 Insurance?
Even though the average annual rate for the Toyota RAV4 is $1,324, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota RAV4.
Age of the Vehicle
Older Toyota RAV4 models generally cost less to insure. 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. 2019 Toyota RAV4 insurance cost will be a bit lower than the 2020.
| 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 |
Driver Age
Driver age can have a significant effect on Toyota RAV4 car insurance rates. For example, 30-year-old drivers pay $58 more for Toyota RAV4 car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota RAV4 insurance rates. For example, drivers in Los Angeles may pay $728 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on your Toyota RAV4 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota RAV4 car insurance with violations on their driving record.
Toyota RAV4 Safety Ratings
Your Toyota RAV4 auto insurance rates are tied to the Toyota RAV4’s safety ratings. 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 | |
Toyota RAV4 Crash Test Ratings
Not only do good Toyota RAV4 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota RAV4 auto insurance rates.
| 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 | ||||
|---|---|---|---|---|
Toyota RAV4 Safety Features
The Toyota RAV4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Toyota RAV4 auto insurance rates. The 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
The lower percentage means lower Toyota RAV4 car insurance rates; higher percentages mean higher Toyota RAV4 auto insurance rates. Insurance loss probability on the Toyota RAV4 fluctuates between each type of coverage.
| 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 | |
Toyota RAV4 Finance and Insurance Cost
When financing a Toyota RAV4, most lenders will require your carry higher Toyota RAV4 coverage options including comprehensive coverage, so be sure to shop around and compare Toyota RAV4 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Toyota RAV4 Insurance
You can save more money on your Toyota RAV4 auto insurance rates by employing any of the following five strategies.
- Ask About a Student Away from Home Discount
- Ask About Mature Driver Discounts for Drivers Over 50
- Take a Defensive Driving Course or Any Driver’s Education Course
- Understand the Different Types of Auto Insurance for Your Toyota RAV4
- Understand that Your Insurer Can Change Your Toyota RAV4 Auto Insurance Rates Mid-Term for Other Reasons
Top Toyota RAV4 Insurance Companies
Who is the top auto insurance company for Toyota RAV4 insurance rates? 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. The best Toyota Rav4 Insurance Group or Company will depend on many factors.
| 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 | |||
Compare Free Toyota RAV4 Insurance Quotes Online
You can start comparing quotes for Toyota RAV4 car insurance rates from some of the best car insurance companies by using our free online tool now.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
D. Gilson, PhD |
|
Reviewed by
Leslie Kasperowicz
|