How Much are Toyota RAV4 Insurance Rates?

If you want to buy Toyota RAV4 insurance coverage then a policy will cost $110 per month ($1,324 per year) on average. On average, comprehensive coverage costs $322, collision coverage costs $471, and liability coverage costs $374 for Toyota RAV4 insurance. Toyota RAV4 insurance costs around $195 less per year than the average vehicle. Good drivers can save up to $546 a year on these costs by earning discounts on their policy.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 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

Toyota RAV4 insurance rates are around $195 less per year than the average vehicle with full coverage of around $1,324 a year or $110 a month. Drivers of an older Toyota RAV4 may choose to get liability coverage only which costs around $531 a year or $44 a month.

Good drivers can save up to $546 a year in policy discounts by staying safe and courteous while driving. Let’s take a closer look at Toyota RAV4 insurance rates, safety 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 Toyota RAV4 auto insurance costs are $1,324 a year or $110 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Are Toyota RAV4s Expensive to Insure?

The chart below details how Toyota RAV4 insurance rates compare to other crossovers like the Lexus NX 300, Nissan Rogue, and Ford Escape.

Vehicle Comprehensive Collision Liability Total
Toyota RAV4 $294 $500 $372 $1,324
Lexus NX 300 $376 $688 $372 $1,594
Nissan Rogue $268 $512 $440 $1,400
Ford Escape $280 $438 $316 $1,170
Hyundai Kona $280 $500 $316 $1,232
Mazda CX-3 $308 $500 $372 $1,338
Lincoln MKC $306 $596 $398 $1,458
Compare RatesStart Now →

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?

You might have noticed that there is a multitude of factors that impact Toyota RAV4 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Toyota RAV4.

Age of the Vehicle

Older Toyota RAV4 models generally cost less to insure. For example, auto insurance for a 2020 Toyota RAV4 costs $1,324, while 2010 Toyota RAV4 insurance costs 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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on Toyota RAV4 auto insurance rates. For instance, a 30-year-old driver may pay $58 more each year for Toyota RAV4 auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota RAV4 insurance rates. For example, drivers in New York may pay $808 a year more than drivers in Seattle.

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 car insurance rates are tied to the safety ratings of the Toyota RAV4. 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
Compare RatesStart Now →

Toyota RAV4 Crash Test Ratings

Not only do good Toyota RAV4 crash test ratings mean you are better protected in a crash, but good Toyota RAV4 crash ratings also mean cheaper 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
Compare RatesStart Now →

Toyota RAV4 Safety Features

The numerous safety features of the Toyota RAV4 help contribute to lower insurance rates. The 2020 Toyota RAV4 has the following safety features:

  • 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

Another contributing factor that plays a direct role in Toyota RAV4 insurance rates is the loss probability for 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
Compare RatesStart Now →

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.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on Toyota RAV4 Insurance

If you want to reduce the cost of your Toyota RAV4 insurance rates, follow these tips below:

  • Don’t Assume your Toyota RAV4 is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Remove Young Drivers from Your Toyota RAV4 Insurance Plan
  • Ask for a New Toyota RAV4 Auto Insurance Rate Based on Your Improved Credit Score
  • Add a More Experienced Driver to Your Toyota RAV4 Policy
  • Move to an Area with Better Weather

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 RatesStart Now →

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.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption