Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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 $110 per month for full coverage, while liability-only coverage is $44 per month. You can save up to $546 per year on Toyota RAV4 insurance rates through policy discounts. Learn more.

You can start comparing quotes for Toyota RAV4 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Toyota RAV4 Insurance Cost

The average Toyota RAV4 auto insurance rates 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, Chevrolet Equinox, and Infiniti QX30.

Vehicle Comprehensive Collision Liability Total
Toyota RAV4 $294 $500 $372 $1,324
Lexus NX 300 $376 $688 $372 $1,594
Chevrolet Equinox $308 $532 $372 $1,370
Infiniti QX30 $344 $686 $398 $1,586
Mazda CX-3 $308 $500 $372 $1,338
Lincoln MKX $294 $596 $398 $1,446
Kia Niro $282 $478 $398 $1,316
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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 auto insurance coverage.

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
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Driver Age

Driver age can have a significant effect on Toyota RAV4 auto insurance rates. For example, 20-year-old drivers pay $1,620 more for their Toyota RAV4 auto insurance each year than 30-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 $490 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Toyota RAV4 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Toyota RAV4 auto 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

If the Toyota RAV4 crash test ratings are good, you could have lower Toyota RAV4 auto insurance rates. See Toyota RAV4 crash test results below:

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

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

Another contributing factor that affects Toyota RAV4 auto 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
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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 coverages including comprehensive coverage, so be sure to compare Toyota RAV4 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Toyota RAV4 Insurance

There are many ways that you can save on Toyota RAV4 auto insurance. Below are five actions you can take to find cheap Toyota RAV4 auto insurance rates.

  • Take Advantage of Referral Fees
  • Bundle Your Toyota RAV4 Auto Insurance with Home Insurance
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Check the Odometer on Your Toyota RAV4
  • Consider Using a Tracking Device on 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 auto 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.