Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 31, 2020

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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 partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Comparing Toyota RAV4 insurance rates doesn’t have to be complicated. Full coverage costs drivers an average of $1,324 a year or $110 a month, and good drivers can save as much as $546 a year in the form of policy discounts.

If you want to learn everything you need to know about Toyota RAV4 car insurance rates, take advantage of this helpful guide. It provides advantageous tips so you can examine Toyota RAV4 rates with an expert eye.

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.

Table of Contents

Toyota RAV4 Insurance Cost

The average Toyota RAV4 car insurance costs 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 Mazda CX-5, Cadillac XT4, and Toyota C-HR.

Vehicle Comprehensive Collision Liability Total
Toyota RAV4 $294 $500 $372 $1,324
Mazda CX-5 $322 $532 $372 $1,384
Cadillac XT4 $362 $656 $316 $1,470
Toyota C-HR $254 $452 $258 $1,074
Infiniti QX30 $344 $686 $398 $1,586
Nissan Rogue $268 $512 $440 $1,400
Subaru Crosstrek $320 $512 $332 $1,300
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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?

The Toyota RAV4 trim and model you choose can impact the total price you will pay for Toyota RAV4 insurance coverage.

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
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Driver Age

Driver age can have a significant impact on the cost of Toyota RAV4 auto insurance. For example, 20-year-old drivers pay as much as $1,678 more each year for their Toyota RAV4 auto 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 Phoenix may pay $728 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Toyota RAV4 car insurance. 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 influenced by 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
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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
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Toyota RAV4 Safety Features

Toyota RAV4 safety features can lower the cost of your insurance. The safety features for the 2020 Toyota RAV4 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
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Toyota RAV4 Finance and Insurance Cost

If you are 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 auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Toyota RAV4 Insurance

Although it may seem like your Toyota RAV4 car insurance rates are set, there are a few measures that you can take to secure the best Toyota RAV4 car insurance rates possible. Take a look at the following five ways to save on Toyota RAV4 auto insurance.

  • Park Your Toyota RAV4 Somewhere Safe – like a Garage or Private Driveway
  • Save Money on Young Driver Toyota RAV4 Insurance By Mentioning Grades or GPA
  • Understand the Different Types of Auto Insurance for Your Toyota RAV4
  • Take Public Transit Instead of Driving Your Toyota RAV4
  • Ask About Usage-Based Insurance for Your Toyota RAV4

Top Toyota RAV4 Insurance Companies

Several insurance companies offer competitive rates for the Toyota RAV4 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Toyota RAV4 drivers organized by market share.

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
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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.

How much are Toyota RAV4 auto insurance prices? Well, the price that you will pay to insure your vehicle depends on many factors. Factors like how often you drive, the vehicle you own and where you live are some of the most important.

Owners of a Toyota Rav4 can get a basic idea of how much insurance may cost based on a couple of standard factors regarding these vehicles.

For example, while you won’t be able to know how much an insurance company will charge if you drive every day through a heavily congested area, you can know that your vehicle has certain safety features that affect overall rates.

The overall value of your vehicle will also be a determining factor in how much you pay since it is often up to the insurance company to repair the vehicle.

Read through this guide to Toyota RAV4 car insurance rates and then enter your zip code into the free tool on this page for a Toyota RAV4 car insurance comparison from many different car insurance companies enter your ZIP code into the free tool on this page for a Toyota RAV4 car insurance comparison from many different car insurance companies!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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What Are The Safety Features Of The Toyota Rav4?

  1. All vehicles come standard with Toyota‘s star safety system
  2. Enhanced Vehicle Stability Control (VSC)
  3. Traction Control (Trac)
  4. Anti-Lock Brake System (ABS) with Electronic Brake Distribution (EBD)
  5. Side Curtain Airbags

The Toyota Rav4 is great for insurance because although it is an SUV, it carries the common safety features you would expect from a family sedan.

The safety features above won’t dictate a specific insurance rate, but they will be able to reduce the cost of insuring your vehicle.

Remember that insurance rates can vary greatly between different providers and it makes sense to shop around comparing prices. Be sure to remember all the safety features that are available on the SUV so that you can get the best deal possible.

Toyota RAV4 Crash Test Ratings

In government crash test ratings, the vehicle did very well. For frontal impact, the Rav4 received either a four-star rating. Side impact crash tests received a perfect five-star rating. Those results will help ensure that Toyota Rav4 auto insurance is as low of a quote as possible.

What Are Some Factors That Determine Insurance Costs?

Beyond the available safety features, there are many other factors the insurance providers use to give you a quote.

To get the absolute best price for your Toyota Rav4 you will have to shop around and compare different quotes from a wide variety of insurance companies.

Some of the other factors considered include:

  • Your credit score
  • Your claims history
  • Where you live

Of two people with identical vehicles, a person living in a rural area will pay less for insurance than someone who live in or near a city. How much you drive will also determine how much it costs to insure your Rav4.

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What Other Tips Are There To Help Lower Insurance Costs?

The average American pays roughly $880 yearly on insurance. Now, remember that there is a great diversity of vehicles insured on the road, from brand new to very old.

The newer your Toyota Rav4 is, the more you can expect to pay for insurance. There are, however, a few things that will help reduce the cost of insurance.

Consider getting a higher deductible, buying homeowners insurance from the same company, and check if your state has a low-cost insurance program for qualified drivers.

Another very important thing to do is make sure that you have as good of a driving record as possible.

Enter your ZIP below to start comparing free Toyota RAV4 car insurance quotes online now!