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Key takeaways:
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.
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The average Toyota RAV4 auto insurance rates are $1,324 a year or $110 a month.
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 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
The Toyota RAV4 trim and model you choose can impact the total price you will pay for Toyota RAV4 auto insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
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.
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 | |||
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.
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