How much does Toyota RAV4 car insurance cost?

On average, Toyota RAV4 drivers spend $86 each month on state minimum car insurance and $152 per month for full coverage. Compared to other popular cars like the Hyundai Elantra, Ram 1500, and Porsche Cayenne, the Toyota RAV4 is 26% more expensive to insure.

However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota RAV4 insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Toyota RAV4 car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota RAV4 drivers save an average of $0 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Toyota RAV4, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Toyota RAV4 owners

There’s no single best insurance company for all Toyota RAV4 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How much car insurance do you need for a Toyota RAV4?

The average cost of Toyota RAV4 insurance is $152 per month for full coverage and $86 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

Car	Average Full Coverage Insurance Cost	Average State Minimum Insurance Cost
Toyota RAV4	$152	$86

• Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.

• Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Toyota RAV4 trims.

Car	Monthly minimum coverage cost	Monthly full coverage cost
RAV4 Toyota	$82	$134
RAV4 Toyota RAV4 Adventure	$73	$134
RAV4 Toyota LE	$96	$163
RAV4 Toyota Limited	$88	$153
RAV4 Toyota RAV4 Prime XSE	$76	$169
RAV4 Toyota RAV4 SE	$75	$157
RAV4 Toyota RAV4 Sport	$89	$138
RAV4 Toyota RAV4 TRD OFF Road	$76	$183
RAV4 Toyota XLE	$83	$155
RAV4 Toyota XLE Premium	$98	$165
RAV4 Toyota RAV4 XSE	$111	$159

Toyota RAV4 insurance cost by model year

The more recently your Toyota RAV4 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota RAV4s provided by Jerry to better understand how your driver profile might affect your cost.

2023 Toyota RAV4 car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Toyota RAV4:

2022 Toyota RAV4 car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Toyota RAV4 drivers below:

2021 Toyota RAV4 car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota RAV4:

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota RAV4 with our real quote examples below:

2020 Toyota RAV4 car insurance quotes

2019 Toyota RAV4 car insurance quotes

2018 Toyota RAV4 car insurance quotes

2017 Toyota RAV4 car insurance quotes

2016 Toyota RAV4 car insurance quotes

2015 Toyota RAV4 car insurance quotes

2014 Toyota RAV4 car insurance quotes

2013 Toyota RAV4 car insurance quotes

Are Toyota RAV4s expensive to insure?

The average Toyota RAV4 insurance rate is $86 per month. Compared to the national average for other models from a similar price range, it is 26% more expensive to insure a Toyota RAV4 .

Car	Monthly minimum coverage cost	Monthly full coverage cost
Toyota RAV4	$86	$152
Mini Cooper	$90	$166
Jeep Renegade	$99	$167
Buick Verano	$107	$189
Ford Crown Victoria	$96	$183

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Toyota RAV4 safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.

The two best-known vehicle safety rating organizations are:

• Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
• National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Toyota RAV4.

Insurance Institute for Highway Safety (IIHS) Rating

Rating type	Rating
Small overlap front: driver-side	Good
Small overlap front: passenger-side	Good
Moderate overlap front: original test	Good
Moderate overlap front: updated test	Acceptable
Side: original test	Good
Side: updated test	Acceptable
Roof strength	Good
Head restraints & seats	Good
Headlights	Good
Front crash prevention: vehicle-to-vehicle	Superior
Front crash prevention: vehicle-to-pedestrian (day)	Superior
Front crash prevention: vehicle-to-pedestrian (night)	Superior
Seat belt reminders	Good
LATCH ease of use	Good

Toyota RAV4 safety features

The safety features of a model will also impact your insurance costs.

A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The Toyota RAV4 has a variety of safety features. Learn more about them below.

Safety feature	Description
Overhead airbags	Overhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Front-impact airbags	Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Security system	The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Stability control	Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Side impact airbags	Side impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Knee airbags	Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Anti-lock brakes	ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Pretensioners	Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.

What other factors affect Toyota RAV4 insurance rates?

Many factors influence your car insurance rate, such as:

• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
• Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Toyota RAV4 insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Toyota RAV4 insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Toyota RAV4 insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance for Toyota RAV4 drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Toyota RAV4 drivers with varying speeding tickets save on car insurance.

Cheapest car insurance for Toyota RAV4 drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota RAV4 drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Toyota RAV4 drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota RAV4 drivers save on car insurance after car accidents.

Cheapest car insurance for Toyota RAV4 drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Toyota RAV4 drivers with these violations save on their car insurance.

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

• Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
• Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
• Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
• Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
• Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.