Toyota RAV4 Car Insurance Cost

Ensuring a Toyota RAV4 typically comes with an annual fee of about $144 through Safeco. However, this expense can vary based on factors like your age, the year of your car model, and other considerations. To determine the potential cost for you, refer to the quote tables provided below.

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Updated: 03 May 2024
Written by
Ahmed
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If you’re thinking about buying a Toyota RAV4, one important thing to think about is the price of insurance. Insurance is a big part of owning a car, so it’s important to understand what you’re signing up for before you make a decision.

Choosing the right car insurance is important because not doing so could result in unexpected and potentially expensive bills later on. It’s crucial to have enough coverage in case of an accident to avoid having to pay a lot of money out of pocket. Also, if you’re found responsible for an accident, your insurance premiums could go up.

With more than ten years of experience studying car insurance rates, I’ve noticed how much these costs can vary. Things like your age, driving history, and where you live can have a big impact on how much you’ll pay for insurance.

How Much Does Toyota RAV4 Car Insurance Cost?

Typically, Safeco provides the most competitive price, charging around $144 annually for full coverage insurance on a 2024 Toyota RAV4.

While Safeco’s rate serves as a good reference point, it’s essential to realize that the price of car insurance can vary significantly due to several factors. These factors include where you live, your driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can raise your costs.

Moreover, residing in a busy urban area with heavy traffic often leads to higher insurance rates compared to quieter rural areas. The type of coverage you opt for also influences your premium – comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.

Insuranceopedia is available to assist you in comparing quotes from different insurance companies, ensuring you secure the best deal possible.

2024 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $144
New York Central Mutual Fire $698
Buckeye Insurance Group $777
Capital Insurance Group $782
Hastings Mutual Insurance Co $925
PEMCO $968
Texas Farm Bureau Group $969
USAA $1,053
Travelers $1,089
Erie $1,085

2023 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto $24
Safeco $249
NatGen Value $386
Victoria $418
Texas Farm Bureau Group $439
Mercury Insurance $524
Concord Group $631
American National P $733
New York Central Mutual Fire $863
MMG Insurance Company $842

2022 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
NatGen Custom 360 $290
Dairyland FR Bond $374
Victoria $445
American National P $524
Safeco $577
Mercury Insurance $631
Titan $1,030
Concord Group $1,082
Utica National Ins Group $1,098
Buckeye Insurance Group $1,099

2021 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto Premier $86
Kemper Personal Insurance $90
NatGen Custom 360 $180
AssuranceAmerica Mobile Max $307
American National P $495
Jupiter Auto Insurance $588
Safeco $620
Victoria $709
Dairyland FR Bond $798
Bear River $836

2020 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $234
American National P&C $497
American National P $534
SAFECO $576
Mercury Insurance $605
Concord Group $760
AssuranceAmerica Mobile Max $761
NatGen Advantage $791
Countryway Insurance $826
Buckeye Insurance Group $823

2019 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $265
AssuranceAmerica Mobile Max $530
Jupiter Auto Insurance $523
NatGen Custom 360 $539
American National P $560
American National P&C $534
NatGen PPA $689
Mercury Insurance $759
Verti Insurance $823
SAFECO $848

2018 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
NatGen Custom 360 $123
Kemper Auto Premium $169
Kemper Personal Insurance $303
AssuranceAmerica Mobile Max $327
Jupiter Auto Insurance $369
SAFECO $540
American National P&C $521
Dairyland Broadform $584
American National P $621
Kemper Auto Premier $707

2017 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $219
Kemper Auto Premier $193
Kemper Auto Premium $240
NatGen Custom 360 $431
SAFECO $471
Jupiter Auto Insurance $490
American National P $610
NatGen PPA $578
AssuranceAmerica Mobile Max $625
American National P&C $632

2016 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $390
NatGen Custom 360 $396
American National P&C $544
NatGen PPA $565
Kemper Auto | Infinity $592
AssuranceAmerica Mobile Max $621
Union Mutual Fire Group $679
National General RAD $712
Bear River $754
Buckeye Insurance Group $762

2015 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $69
AssuranceAmerica Mobile Max $176
Jupiter Auto Insurance $263
Mercury Insurance $555
American National P&C $680
American National P $711
Concord Group $745
Ameriprise Group $821
Buckeye Insurance Group $859
NatGen PPA $871

2014 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $144
Jupiter Auto Insurance $208
Dairyland Auto 1 Month $371
Infinity Special $409
Mercury Insurance $560
American National P $561
SAFECO $712
Bear River $759
Kemper Auto Premium $795
Co-Operative Ins Companies $785

2013 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $201
Kemper Personal Insurance $548
American National P $581
Union Mutual Fire Group $680
Buckeye Insurance Group $691
Concord Group $720
SECURA Insurance $763
SAFECO $803
NatGen PPA $798
MMG Insurance Company $795

2012 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Dairyland Broadform $174
Dairyland Auto 1 Month $250
NatGen Custom 360 $244
Jupiter Auto Insurance $366
American National P&C $424
Mercury Insurance $433
American National P $591
SAFECO $589
Kemper Personal Insurance $646
Bear River $706

2011 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $55
AssuranceAmerica Mobile Max $146
SAFECO $375
American National P&C $374
American National P $619
Mercury Insurance $638
NatGen PPA $745
Kemper Auto $734
Countryway Insurance $749
Infinity Special $758

2010 Toyota RAV4 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $23
NatGen Custom 360 $99
Mercury Insurance $221
Kemper Auto Premier $258
SAFECO $334
Dairyland Auto 1 Month $477
American National P&C $527
Union Mutual Fire Group $537
Buckeye Insurance Group $677
Bear River $701

Cost of Toyota RAV4 Car Insurance By Age

Drive Age Good Driver Recent Accident Poor Credit
17 $4,874 $7,144 $8,369
18 $4,540 $6,651 $7,811
19 $3,996 $5,909 $6,872
20 $3,477 $5,124 $6,000
21 $2,943 $4,299 $5,056
22 $2,851 $4,186 $4,926
23 $2,504 $3,657 $4,280
24 $2,361 $3,492 $4,077
25 $2,068 $3,030 $3,508
30 $1,615 $2,334 $2,750
35 $1,494 $2,192 $2,548
40 $1,432 $2,128 $2,450
45 $1,408 $2,040 $2,388
55 $1,266 $1,892 $2,213
65 $1,347 $1,945 $2,295
75 $1,673 $2,490 $2,891

Toyota RAV4 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $1,533 $2,215 $2,807
Alaska $1,268 $1,743 $1,700
Arizona $1,414 $2,052 $3,054
Arkansas $1,556 $2,457 $2,690
California $1,739 $3,059 $1,746
Colorado $1,618 $2,260 $2,875
Connecticut $2,088 $3,198 $4,087
Delaware $1,736 $2,268 $2,939
Florida $2,050 $2,844 $3,688
Hawaii $668 $920 $651
Idaho $1,171 $1,537 $1,875
Illinois $1,190 $1,814 $2,068
Indiana $1,246 $1,906 $2,134
Iowa $985 $1,335 $1,568
Kansas $1,326 $1,923 $2,218
Kentucky $1,915 $2,769 $3,290
Louisiana $2,442 $3,690 $3,970
Maine $935 $1,289 $1,879
Maryland $1,484 $2,156 $2,421
Massachusetts $1,186 $2,070 $1,200
Michigan $2,879 $4,383 $6,915
Minnesota $1,184 $1,581 $2,217
Mississippi $1,435 $2,059 $2,036
Missouri $1,363 $1,948 $2,533
Montana $1,360 $1,930 $2,206
Nebraska $1,176 $1,712 $1,882
Nevada $1,893 $2,851 $2,995
New Hampshire $1,341 $2,084 $2,669
New Jersey $1,481 $2,308 $3,019
New Mexico $1,506 $2,205 $2,291
New York $1,374 $1,728 $2,915
North Carolina $870 $1,457 $1,044
North Dakota $1,180 $1,777 $2,134
Ohio $1,039 $1,620 $1,669
Oklahoma $1,676 $2,381 $2,709
Oregon $1,534 $2,035 $2,443
Pennsylvania $1,278 $1,896 $2,197
Rhode Island $2,138 $3,142 $3,532
South Carolina $1,448 $2,037 $2,797
South Dakota $1,287 $1,882 $2,178
Tennessee $1,556 $2,269 $2,996
Texas $1,563 $2,254 $2,773
Utah $1,330 $1,843 $2,528
Vermont $1,004 $1,568 $1,628
Virginia $933 $1,469 $1,420
Washington $1,265 $1,732 $2,046
West Virginia $1,262 $1,829 $2,289
Wisconsin $1,284 $1,976 $2,254
Wyoming $1,181 $1,650 $1,747
Georgia $1,660 $2,483 $2,502

FAQs

Who has the cheapest car insurance for a Toyota RAV4?

For Toyota RAV4 vehicles ranging from model years 2010 through 2024, Safeco offers the most affordable car insurance rates.

Which company offers the best car insurance for a Toyota RAV4?

Considering their combination of the lowest prices, extensive coverage, and excellent customer service, we think Safeco provides the best car insurance option for Toyota RAV4 vehicles.

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