How cheap is car insurance for the Toyota RAV4?

Average Toyota RAV4 car insurance rates are $110 per month. Your Toyota RAV4 auto insurance costs are affected by where you live, the model year you own, and what trim level you purchased. Affordable Toyota RAV4 car insurance is possible when you shop online for insurance quotes. Start now! Enter your ZIP code above to get free Toyota RAV4 auto insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to Know

  • Average car insurance rates for the Toyota RAV4 are $110 per month or $1,324 per year.
  • Older Toyota RAV4 models cost less to insure than newer RAV4 Models. 
  • The state you live in and the trim level you choose will also impact your Toyota RAV4 car insurance premiums. 

How cheap is car insurance for the Toyota RAV4? Average insurance for a Toyota RAV4 costs $110 per month or $1,324 annually. Car insurance for the Toyota RAV4 hybrid is $96 per month. However, many factors impact your Toyota RAV4 car insurance rates. 

For example, your rates will vary for car insurance by state, by the age of your model, and depending on what trim level you purchased.

As you know, an important step when choosing a new vehicle is to research the total cost of ownership. This includes the vehicle’s repair and scheduled maintenance costs, fuel expenses, and of course, car insurance rates. Read through our complete Toyota RAV4 guide to learn all there is to know about how your insurance rates for the RAV4 are calculated. 

Ready to get the best Toyota RAV4 insurance costs? Just enter your five-digit ZIP code into our FREE online quote tool above to compare cheap RAV4 rates and discover which Toyota RAV4 car insurance company is for you.

Table of Contents

Car Insurance Rates for the Toyota RAV4

How much does it cost to insure a Toyota RAV4? The average rate of insurance for the Toyota RAV4 is $110 per month or $1,324 per year. However, those rates will vary based on a few key factors, including the state you live in. 

Your home state will drastically change your car insurance rates because every state has slightly different car insurance laws and minimum requirements.

Find your state in the table below to see how much a Toyota RAV4 might cost you to insure.

Toyota RAV4 Average Annual Car Insurance Rate by State
StateAverage Annual Car Insurance Rate
Alabama$1,198
Alaska$1,018
Arizona$1,100
Arkansas$1,324
California$1,510
Colorado$1,266
Connecticut$1,362
Delaware$1,500
Florida$1,660
Georgia$1,224
Hawaii$954
Idaho$898
Illinois$990
Indiana$998
Iowa$894
Kansas$1,262
Kentucky$1,808
Louisiana$1,964
Maine$818
Maryland$1,094
Massachusetts$1,062
Michigan$2,302
Minnesota$1,108
Mississippi$1,588
Missouri$1,176
Montana$1,424
Nebraska$1,046
Nevada$1,588
New Hampshire$954
New Jersey$1,482
New Mexico$1,174
New York$1,396
North Carolina$764
North Dakota$1,084
Ohio$916
Oklahoma$1,362
Oregon$1,214
Pennsylvania$1,266
Rhode Island$1,768
South Carolina$1,202
South Dakota$1,118
Tennessee$1,162
Texas$1,596
Utah$982
Vermont$908
Virginia$794
Washington$1,026
West Virginia$1,214
Wisconsin$918
Wyoming$1,182
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As you can see, North Carolina, Virginia, and Maine drivers receive much lower average rates for the Toyota RAV4 compared to those living in Michigan, Louisiana, or Kentucky.

How do these rates compare to other similar SUVs on the market today? By way of comparison, Edmunds estimates that Honda CR-V drivers will pay around $105 per month for car insurance, and Hyundai Tucson owners will owe around $117 monthly.

These estimates indicate that the Toyota RAV4 is on the lower side to insure compared to other compact SUVs. 

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Toyota RAV4 Car Insurance Rates by Trim and Model Year

Two other important factors that will impact your car insurance rates for your Toyota RAV4 is your model year and trim level. Take a look at the average annual car insurance rates by trim level in the table below.

Toyota RAV4 Average Annual Car Insurance Rates by Trim Level
Toyota RAV4 Model and TrimAverage Annual Car Insurance Rate
Toyota RAV4 2WD$1,280
Toyota RAV4 Sport 2WD$1,324
Toyota RAV4 4WD$1,324
Toyota RAV4 Limited 2WD$1,370
Toyota RAV4 Limited 4WD$1,370
Toyota RAV4 Limited 4WD$1,370
Toyota RAV4 Sport 4WD$1,370
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Fortunately, the differences in rates by trim level are not too extreme. If you opt for the Sport package, expect to pay a little more for car insurance than if you were to invest in the Toyota RAV4 base model. 

The age of your car model also affects your car insurance rates. Car insurance for 2017 the Toyota RAV4 differ from that for 2020, for example. See what we mean in the table below.

Toyota RAV4 Average Annual Car Insurance Rates by Model Year
Toyota RAV4 Model YearAverage Annual Car Insurance RateComprehensive CoverageCollision CoverageLiability Coverage
2020 Toyota RAV4$1,324$294$500$372
2019 Toyota RAV4$1,310$280$482$390
2018 Toyota RAV4$1,304$270$478$398
2017 Toyota RAV4$1,300$260$466$416
2016 Toyota RAV4$1,284$250$446$430
2015 Toyota RAV4$1,268$238$430$442
2014 Toyota RAV4$1,238$228$400$452
2013 Toyota RAV4$1,208$218$376$456
2012 Toyota RAV4$1,166$210$338$460
2011 Toyota RAV4$1,124$196$310$460
2010 Toyota RAV4$1,104$190$292$464
2009 Toyota RAV4$1,088$184$272$474
2008 Toyota RAV4$1,056$172$252$474
2007 Toyota RAV4$1,030$166$228$478
2006 Toyota RAV4$998$156$210$474
2005 Toyota RAV4$968$146$190$474
2004 Toyota RAV4$938$142$170$468
2003 Toyota RAV4$924$140$166$460
2002 Toyota RAV4$906$136$160$452
2001 Toyota RAV4$882$126$152$446
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As you can see, the 2018 RAV4 insurance costs are higher than the 2015 RAV4 insurance costs. 

The Toyota RAV4 has been around for almost 20 years. Newer car models are usually more expensive to replace and repair. Therefore, older models of the Toyota RAV4 are often cheaper to insure. 

Toyota RAV4 Safety Ratings and Features

The car insurance for 2020 Toyota RAV4 is affordable because the 2020 Toyota RAV4 Safety ratings are about as good as it gets. Named as one of the year’s top safety picks by the Insurance Institute for Highway Safety, this SUV is as reliable as it is tough.

The 2019 Toyota RAV4 went through a redesign process that truly transformed this vehicle. Therefore, the impeccable safety ratings are not applicable to all model years of the RAV4. It is important for you to look at the safety ratings for your specific model year for the most accuracy. 

For example, the 2011 Toyota RAV4 was not safety-tested by the federal government, but the Insurance Institute for Highway Safety gave it solid reviews. In frontal-offset, side-impact, and rear crash protection tests, older models of the RAV4 earned the best available rating, and it earned the second-best rating for its roof strength tests.

The 2020 Toyota RAV4 also performed well during crash tests by the National Highway Traffic Safety Administration. It received five-star scores for safety in side-impact crash tests. 

In front-end collisions, it received four stars for driver protection and five stars for passenger protection. The RAV4 also received a 4-star rollover rating, which is impressive for a compact SUV. 

Check out a video of the 2019 Toyota RAV4 passenger-side crash test below.

Beyond the phenomenal safety and crash test ratings, the Toyota RAV4 also comes with a full suite of safety features that will help keep your annual car insurance rates on the affordable side. 

This SUV features brake assist, traction control, and anti-lock brakes. The RAV4 also has electronic stability control, which helps drivers regain control by applying brakes to individual wheels as necessary in the event of a skid.

Toyota RAV4 Cost of Ownership

Car insurance rates for the Toyota RAV4 are relatively affordable, but the vehicle’s overall sticker price is mid-range. Starting at $22,475, the base model Toyota RAV4 is more affordable than the GMC Terrain, with an entry-level manufacturer’s suggested retail price, or MSRP, of $24,500. 

However, the RAV4 can’t compete with the Jeep Patriot’s starting MSRP of $15,995.

Edmunds estimates that repair costs for the Toyota RAV4 will be zero for the first two years the car is on the road, but will total $732 over five years. 

These expected repair costs are very much in line with those anticipated for other compact SUVs like the Hyundai Tucson and the Honda CR-V. However, these costs are a bit less than Edmunds’ repair estimates for the Chevy’s Equinox.

Drivers can expect to pay about $3,434 in scheduled maintenance costs for the Toyota RAV4 over the first five years they own it. This estimate compares favorably with the $4,000 expected maintenance costs for the Equinox, but it is several hundred dollars higher than Edmunds’ estimates for the Tucson and the CR-V.

Those who do lots of city driving can expect to save a few dollars on fuel costs if they choose the Toyota RAV4 over the Honda CR-V. The CR-V gets just 21 city miles per gallon, while the RAV4 gets 22 miles per gallon. Both deliver 28 miles per gallon in highway driving. 

For drivers who spend most of their time on the highway, though, the Chevrolet Equinox or the Hyundai Tucson would be more economical choices. The Tucson gets 30 highway miles per gallon, and the Equinox gets 32. These differences may seem small, but they can add up to hundreds or even thousands of dollars in fuel costs over time.

Toyota RAV4 Reviews

Car insurance companies and consumers both want to know how the experts rank the Toyota RAV4. Fortunately, the Toyota RAV4 is ranked first on U.S. News and World Report’s list of compact SUVs. 

The Chevrolet Equinox comes in second on the list, and the Honda CR-V takes third place. Reviewers like the RAV4’s versatility and spaciousness, especially the optional V6 engine and the third-row seat. Both of these features are rare in the compact SUV class.

In terms of performance, the RAV4’s 2.5 liter, 4-cylinder engine is slightly more powerful than the CR-V’s, and it is available with 2-wheel drive and all-wheel drive powertrains. Consumer Guide approved of the 4-cylinder engine’s passing and merging capabilities, but said it was a bit hesitant when it came to downshifting. 

Edmunds called the optional 3.5 liter V6 superb, and although it will decrease the vehicle’s fuel economy slightly, U.S. News recommends the $2,000 upgrade if you plan to do any towing with the RAV4.

Motor Week and Edmunds both noted some road and wind noise, and several reviewers mentioned that the RAV4 has a noticeably stiff suspension. According to Edmunds, the Kia Sorento and the CR-V are both superior when it comes to handling, but Consumer Guide’s reviewer approved of the RAV4’s precise steering and confidence-inspiring brakes.

You are now an expert on securing cheap car insurance for the Toyota RAV4. Ready to take what you’ve learned and apply it towards securing a better premium? 

Ready to buy Toyota RAV4 car insurance? Just enter your five-digit ZIP code into our FREE quote tool below to start comparing Toyota RAV4 car insurance quotes now. 

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