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Compare Cheap Toyota RAV4 Insurance Quotes

Average Toyota RAV4 auto insurance rates cost $1,324 a year, or around $110 a month. Finding Toyota RAV4 teenager insurance rates can cost on average $4,839 a year, so shop around to find cheap coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 22, 2020

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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.

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.

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.

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.

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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