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.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 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 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.
Table of Contents
Toyota RAV4 Insurance Cost
The average Toyota RAV4 auto 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 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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
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 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.