Toyota RAV4 Car Insurance Cost 2025
On average, insuring a Toyota RAV4 costs around $754 per year. However, the exact cost can vary depending on factors like your age, the model year of your car, and other considerations. You can use our quote tables below to get an estimate of your specific insurance costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Toyota RAV4, one important thing to think about is the price of insurance. On average, insurance for a Toyota RAV4 costs $754 per year. 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, Toyota RAV4 drivers can find car insurance for an average rate of $754 per year. However, individual rates may vary based on factors like age, driving history, and location.
It’s important to understand that the cost of car insurance can vary widely depending on several key factors. These include your location, driving history, the model year of your Toyota RAV4, and the type of coverage you choose. For example, a clean driving record can help you secure lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in an urban area with heavy traffic may also lead to higher premiums compared to more rural areas with lighter traffic. Additionally, the coverage you select plays a major role—full coverage, which includes comprehensive and collision insurance, generally costs more than minimum liability coverage.
According to the data, the average insurance cost for a Toyota RAV4 is lower than the average for all Toyota models and is also more affordable than the average insurance cost for all cars. To find the best rates tailored to your profile, Insuranceopedia offers tools to compare quotes from multiple auto insurance providers, helping you secure the most competitive deal.
| Vehicle | Average Monthly Premium |
| Toyota RAV4 | $140 |
| All Toyotas | $150 |
| All Cars | $175 |
Average Insurance Cost Of Toyota RAV4 By Model Year
| Model Year | Average Premium |
| 2024 Toyota RAV4 | $839 |
| 2023 Toyota RAV4 | $523 |
| 2022 Toyota RAV4 | $536 |
| 2021 Toyota RAV4 | $596 |
| 2020 Toyota RAV4 | $525 |
| 2019 Toyota RAV4 | $649 |
| 2018 Toyota RAV4 | $671 |
| 2017 Toyota RAV4 | $494 |
| 2016 Toyota RAV4 | $609 |
| 2015 Toyota RAV4 | $612 |
| 2014 Toyota RAV4 | $530 |
| 2013 Toyota RAV4 | $626 |
| 2012 Toyota RAV4 | $534 |
| 2011 Toyota RAV4 | $579 |
| 2010 Toyota RAV4 | $480 |
2024 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2024 Toyota RAV4 is $839. However, New York Central Mutual Fire offers the cheapest rates, averaging $754 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $754 |
| USAA | $1,061 |
| Hastings Mutual Insurance Co | $940 |
| Capital Insurance Group | $789 |
| Safeco | $610 |
| Buckeye Insurance Group | $777 |
| NatGen Value | $673 |
| PEMCO | $922 |
| Texas Farm Bureau Group | $975 |
| AssuranceAmerica | $890 |
2023 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2023 Toyota RAV4 is $523. However, Kemper Auto offers the cheapest rates, averaging $10 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $393 |
| MMG Insurance Company | $873 |
| Concord Group | $642 |
| Texas Farm Bureau Group | $476 |
| Kemper Auto | $10 |
| Victoria | $439 |
| Safeco | $227 |
| American National P | $760 |
| New York Central Mutual Fire | $835 |
| Mercury Insurance | $571 |
2022 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2022 Toyota RAV4 is $536. However, NatGen Custom 360 offers the cheapest rates, averaging $150 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $307 |
| Mercury Insurance | $830 |
| Kemper Auto Premier | $725 |
| Dairyland Broadform | $488 |
| NatGen Custom 360 | $150 |
| Kemper Personal Insurance | $355 |
| Safeco | $244 |
| American National P | $758 |
| Infinity Special | $808 |
| Buckeye Insurance Group | $696 |
2021 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2021 Toyota RAV4 is $596. However, Victoria offers the cheapest rates, averaging $215 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $312 |
| Capital Insurance Group | $960 |
| Buckeye Insurance Group | $844 |
| American National P | $536 |
| Victoria | $215 |
| Dairyland FR Bond | $377 |
| NatGen Custom 360 | $299 |
| Titan | $884 |
| Utica National Ins Group | $937 |
| Mercury Insurance | $598 |
2020 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2020 Toyota RAV4 is $525. However, Kemper Personal Insurance offers the cheapest rates, averaging $126 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $249 |
| Utica National Ins Group | $906 |
| Dairyland FR Bond | $758 |
| Safeco | $459 |
| Kemper Personal Insurance | $126 |
| Victoria | $423 |
| NatGen Custom 360 | $178 |
| NatGen PPA | $816 |
| SafeAuto | $895 |
| American National P | $442 |
2019 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2019 Toyota RAV4 is $649. However, Kemper Personal Insurance offers the cheapest rates, averaging $258 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $470 |
| MMG Insurance Company | $943 |
| Buckeye Insurance Group | $789 |
| SafeAuto | $746 |
| Kemper Personal Insurance | $258 |
| Mercury Insurance | $489 |
| Safeco | $433 |
| Countryway Insurance | $779 |
| Concord Group | $816 |
| AssuranceAmerica Mobile Max | $764 |
2018 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2018 Toyota RAV4 is $671. However, Kemper Personal Insurance offers the cheapest rates, averaging $271 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $633 |
| PEMCO | $965 |
| Mercury Insurance | $671 |
| NatGen PPA | $638 |
| Kemper Personal Insurance | $271 |
| Safeco | $595 |
| AssuranceAmerica Mobile Max | $533 |
| Bear River | $795 |
| Dairyland FR Bond | $899 |
| NatGen Custom 360 | $705 |
2017 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2017 Toyota RAV4 is $494. However, Kemper Auto Premier offers the cheapest rates, averaging $61per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $344 |
| Buckeye Insurance Group | $798 |
| AssuranceAmerica Mobile Max | $615 |
| Infinity Special | $505 |
| Kemper Auto Premier | $61 |
| NatGen Custom 360 | $422 |
| Kemper Personal Insurance | $202 |
| NatGen PPA | $636 |
| MMG Insurance Company | $769 |
| American National P | $586 |
2016 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2016 Toyota RAV4 is $609. However, NatGen Custom 360 offers the cheapest rates, averaging $403 per year.
| Insurance Provider | Average Annual Cost |
| American National P&C | $571 |
| Partners Mutual Insurance Co | $809 |
| AssuranceAmerica Mobile Max | $632 |
| Safeco | $584 |
| NatGen Custom 360 | $403 |
| Kemper Auto | Infinity | $603 |
| NatGen PPA | $490 |
| Kemper Auto Premier | $600 |
| National General RAD | $749 |
| Buckeye Insurance Group | $648 |
Find Affordable Toyota RAV4 Insurance Rates
2015 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2015 Toyota RAV4 is $612. However, Kemper Personal Insurance offers the cheapest rates, averaging $612 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $530 |
| Texas Farm Bureau Group | $919 |
| Commerce Group Inc | $809 |
| Union Mutual Fire Group | $747 |
| Kemper Personal Insurance | $49 |
| Mercury Insurance | $495 |
| AssuranceAmerica Mobile Max | $152 |
| PEMCO | $812 |
| Concord Group | $827 |
| American National P | $779 |
2014 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2014 Toyota RAV4 is $530. However, Kemper Personal Insurance offers the cheapest rates, averaging $89 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $473 |
| North Carolina Farm Bureau | $748 |
| Utica National Ins Group | $707 |
| American National P | $579 |
| Kemper Personal Insurance | $89 |
| Mercury Insurance | $513 |
| Infinity Special | $200 |
| Nodak Mutual | $713 |
| Bear River | $699 |
| Union Mutual Fire Group | $575 |
2013 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2013 Toyota RAV4 is $626. However, Safeco offers the cheapest rates, averaging $259 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $438 |
| SECURA Insurance | $831 |
| Concord Group | $767 |
| Union Mutual Fire Group | $676 |
| Safeco | $259 |
| NatGen Custom 360 | $667 |
| Mercury Insurance | $382 |
| American National P | $773 |
| NatGen PPA | $795 |
| Buckeye Insurance Group | $673 |
2012 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2012 Toyota RAV4 is $534. However, NatGen Custom 360 offers the cheapest rates, averaging $269 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $277 |
| Kemper Personal Insurance | $817 |
| Buckeye Insurance Group | $792 |
| Safeco | $395 |
| Dairyland Auto 1 Month | $225 |
| Mercury Insurance | $346 |
| NatGen Custom 360 | $269 |
| North Carolina Farm Bureau | $790 |
| PEMCO | $768 |
| American National P | $658 |
2011 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2011 Toyota RAV4 is $579. However, Safeco offers the cheapest rates, averaging $103 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $437 |
| Countryway Insurance | $830 |
| Kemper Auto | $732 |
| Farmers Mutual of Nebraska | $672 |
| Safeco | $103 |
| Direct Auto | $534 |
| AssuranceAmerica Mobile Max | $125 |
| American National P | $798 |
| Loya Insurance | $836 |
| North Carolina Farm Bureau | $720 |
2010 Toyota RAV4 Insurance Rates
The average annual insurance cost for a 2010 Toyota RAV4 is $480. However, NatGen Custom 360 offers the cheapest rates, averaging $150 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $192 |
| Pekin Insurance | $774 |
| American National P&C | $557 |
| Union Mutual Fire Group | $543 |
| NatGen Custom 360 | $150 |
| Dairyland Auto 1 Month | $470 |
| Mercury Insurance | $224 |
| PEMCO | $642 |
| SECURA Insurance | $683 |
| Buckeye Insurance Group | $565 |
Find Affordable Toyota RAV4 Insurance Rates
Is A Toyota RAV4 Expensive To Insure?
The cost to insure a Toyota RAV4 is generally lower than the overall average for all vehicles, making it a relatively affordable option for many drivers. However, the exact premium you’ll pay depends on a variety of personal factors. These include your age, driving history, location, and the age or model year of your RAV4. Other considerations like your credit score, annual mileage, and chosen coverage levels will also influence the final rate. To get the most accurate estimate, it’s always a good idea to compare quotes from multiple insurance providers based on your specific profile.
Cost of Toyota RAV4 Car Insurance By Age
Age is one of the most important factors that insurers consider when determining car insurance premiums. Teen drivers tend to pay the highest rates because they have less driving experience and are statistically more likely to be involved in accidents. As drivers get older and gain more experience behind the wheel, insurance companies generally view them as lower-risk, resulting in lower premiums. Typically, the most favorable rates are offered to drivers in their 30s to 50s, assuming they maintain a clean driving record.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,504 | $9,506 | $11,146 |
| 18 | $6,041 | $8,890 | $10,373 |
| 19 | $5,319 | $7,847 | $9,179 |
| 20 | $4,647 | $6,819 | $7,961 |
| 21 | $3,907 | $5,732 | $6,700 |
| 22 | $3,798 | $5,582 | $6,497 |
| 23 | $3,308 | $4,867 | $5,710 |
| 24 | $3,149 | $4,676 | $5,466 |
| 25 | $2,724 | $3,975 | $4,710 |
| 30 | $2,154 | $3,137 | $3,666 |
| 35 | $1,990 | $2,930 | $3,419 |
| 40 | $1,911 | $2,794 | $3,289 |
| 45 | $1,862 | $2,759 | $3,189 |
| 55 | $1,725 | $2,510 | $2,927 |
| 65 | $1,792 | $2,583 | $3,042 |
| 75 | $2,223 | $3,270 | $3,855 |
Toyota RAV4 Car Insurance Rates By State
Your location has a major impact on how much you’ll pay for car insurance, including for a Toyota RAV4. Each state sets its own insurance regulations, which can significantly influence the cost of coverage. For example, states like Michigan often have higher premiums due to mandatory coverage requirements. Climate is another important factor—areas prone to natural disasters like hurricanes, floods, or hailstorms may see elevated insurance rates to offset the risk of vehicle damage. Additionally, local statistics on crime, car theft, traffic congestion, and accident rates all factor into the calculation. Insurance companies use this data to assess how likely you are to file a claim based on where you live.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,063 | $2,950 | $3,727 |
| Alaska | $1,673 | $2,328 | $2,231 |
| Arizona | $1,905 | $2,705 | $4,033 |
| Arkansas | $2,054 | $3,269 | $3,554 |
| California | $2,309 | $4,109 | $2,315 |
| Colorado | $2,148 | $3,011 | $3,820 |
| Connecticut | $2,757 | $4,282 | $5,420 |
| Delaware | $2,281 | $3,062 | $3,894 |
| Florida | $2,725 | $3,781 | $4,894 |
| Hawaii | $894 | $1,223 | $918 |
| Idaho | $1,552 | $2,048 | $2,469 |
| Illinois | $1,589 | $2,440 | $2,741 |
| Indiana | $1,666 | $2,546 | $2,823 |
| Iowa | $1,354 | $1,782 | $2,110 |
| Kansas | $1,750 | $2,559 | $2,973 |
| Kentucky | $2,533 | $3,708 | $4,336 |
| Louisiana | $3,224 | $4,866 | $5,294 |
| Maine | $1,224 | $1,668 | $2,511 |
| Maryland | $1,971 | $2,876 | $3,187 |
| Massachusetts | $1,576 | $2,725 | $1,610 |
| Michigan | $3,865 | $5,826 | $9,160 |
| Minnesota | $1,563 | $2,081 | $2,923 |
| Mississippi | $1,898 | $2,701 | $2,722 |
| Missouri | $1,770 | $2,558 | $3,374 |
| Montana | $1,849 | $2,527 | $2,940 |
| Nebraska | $1,532 | $2,275 | $2,498 |
| Nevada | $2,557 | $3,741 | $3,997 |
| New Hampshire | $1,764 | $2,819 | $3,520 |
| New Jersey | $1,928 | $3,051 | $4,007 |
| New Mexico | $2,003 | $2,965 | $3,061 |
| New York | $1,880 | $2,338 | $3,857 |
| North Carolina | $1,142 | $1,970 | $1,437 |
| North Dakota | $1,565 | $2,378 | $2,818 |
| Ohio | $1,389 | $2,127 | $2,226 |
| Oklahoma | $2,230 | $3,185 | $3,590 |
| Oregon | $2,035 | $2,713 | $3,227 |
| Pennsylvania | $1,711 | $2,497 | $2,890 |
| Rhode Island | $2,868 | $4,175 | $4,701 |
| South Carolina | $1,937 | $2,703 | $3,685 |
| South Dakota | $1,743 | $2,478 | $2,844 |
| Tennessee | $2,013 | $2,998 | $3,988 |
| Texas | $2,069 | $2,967 | $3,706 |
| Utah | $1,747 | $2,446 | $3,375 |
| Vermont | $1,325 | $2,067 | $2,203 |
| Virginia | $1,260 | $1,905 | $1,905 |
| Washington | $1,657 | $2,256 | $2,746 |
| West Virginia | $1,736 | $2,418 | $3,052 |
| Wisconsin | $1,723 | $2,606 | $3,001 |
| Wyoming | $1,547 | $2,227 | $2,375 |
| Georgia | $2,193 | $3,303 | $3,309 |
Find Affordable Toyota RAV4 Insurance Rates
Cheapest Car Insurance Companies For A Toyota RAV4
If you’re planning to buy a new car insurance policy for your Toyota RAV4, it’s helpful to know which providers offer the most affordable rates. For cost-conscious drivers, Certainly offers one of the lowest average premiums at $61 per month, making them a top choice for budget-friendly coverage. However, keep in mind that insurance rates can vary widely depending on your personal details—such as your age, driving history, location, and credit score. Because of this, the best way to ensure you’re getting the lowest possible rate is to shop around and compare quotes from several different insurers.
| Company | Average Monthly Rate |
| Certainly | $61 |
| Just Insure | $76 |
| HiRoad | $90 |
| Root | $80 |
| Mile Auto | $63 |
Common Toyota RAV4 Insurance Discounts
Discounts can significantly reduce your car insurance premiums, and most auto insurance providers offer several ways for drivers to save. While each company has its own set of discounts, there are a few common ones worth checking:
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Multi-policy discount: Bundling your auto insurance with other policies—like home or renters insurance—with the same provider can earn you a lower rate.
-
Annual payment discount: Paying your entire premium upfront instead of monthly can qualify you for a discount.
-
Defensive driving course: Completing a certified defensive driving course can make you eligible for lower premiums, as it shows you’re a safer driver.
There may be other discounts available depending on your provider and circumstances. It’s a good idea to talk to your insurance agent to see what you might qualify for and make sure you’re getting the best possible deal.
Ways To Save On Toyota RAV4 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Toyota RAV4 insurance premiums low. Traffic violations like speeding tickets or being involved in accidents can significantly increase your rates. For instance, RAV4 drivers with a ticket on their record might pay around $80 per month, while those with multiple accidents could see rates rise to an average of $74 per month.
Another key factor is how much you drive. Insurance companies typically charge less to drivers with lower annual mileage, as they pose less risk on the road. For example, Toyota RAV4 drivers who log between 7,501 and 10,000 miles annually may pay about $58 per month, compared to $59 per month for those driving over 10,000 miles. Keeping your driving habits in check can make a noticeable difference in your insurance costs.
Compare Toyota RAV4 To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 86 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample used was based on a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that these figures are meant to serve as general benchmarks, and your actual insurance costs may vary depending on your personal profile and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota RAV4?
Yes, you’ll need to show proof of insurance before driving your Toyota RAV4 off the dealership lot. The ideal approach is to purchase an insurance policy in advance and inform your provider that you’re about to finalize the car purchase. This way, you can avoid relying on dealership-provided insurance, which is often more expensive or temporary.
How Can You Get The Cheapest Insurance For Your Toyota RAV4?
The most effective way to secure the lowest insurance rates for your Toyota RAV4 is by comparing quotes from multiple auto insurance providers. Shopping around gives you a clear view of your options and helps you find the best deal based on your specific profile. Fortunately, Insuranceopedia makes this process easy by allowing you to compare quotes from several companies directly on their website.
