Toyota RAV4 Car Insurance Cost

Ensuring a Toyota RAV4 typically comes with an annual fee of about $754 through Years Of Experience. 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 October 2024
Written by Bob Phillips
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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, Years Of Experience  provides the most competitive price, charging around $754 annually for full coverage insurance on a 2024 Toyota RAV4.

While Years Of Experience ‘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
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

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

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

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

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

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

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

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

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

2015 Toyota RAV4 Insurance Rates

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

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

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

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

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

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

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Cost of Toyota RAV4 Car Insurance By Age

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

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

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

105

Quotes Analyzed

58

Brands Reviewed

40+

Research Hours

15+

Years Of Experience

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