+120 more*These quotes are from Compare.com users within the last 10 days. Updated on June 23, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on June 23, 2026
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Licensed property and casualty insurance agent
NPN: 21630969
Updated
The average monthly car insurance rate for a Toyota RAV4 is $139 — about 17% less than the overall average for all vehicles.
USAA is the cheapest insurer for Toyota RAV4 drivers, with an average monthly premium of $70.
The RAV4’s strong safety ratings and relatively affordable repair costs help keep insurance premiums low.[1][2]
The average cost of Toyota RAV4 car insurance varies depending on the type of coverage you choose. Liability-only coverage includes bodily injury liability and property damage liability, which covers any injuries or damages you cause others in an accident. But it won’t cover damage to your vehicle.
In addition to liability coverage, full-coverage car insurance includes comprehensive and collision coverage. Together, these coverages pay to repair or replace your RAV4 after an accident, theft, or weather-related incident.
The table below shows the average monthly premiums for liability-only and full-coverage policies, based on Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Toyota RAV4 | $106 | $171 | $139 |
| All vehicles | $114 | $210 | $162 |
On average, RAV4 drivers pay $106 per month for liability-only coverage and $171 per month for full coverage, with an overall average of $139 per month. That’s lower than the national average across all vehicle types.
RAV4 insurance rates can also vary based on your insurer, model year, ZIP code, age, and driving record. We’ll cover these more in detail later.
Comparing quotes can save you up to $867.†
Even if you own the same Toyota RAV4 as your neighbor, your policy rates can look very different depending on the insurer. Each company weighs risk factors differently, and some offer better insurance discounts for safety features or bundled policies.
Let’s check out the table for a list of the cheapest insurers for RAV4 drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $106 |
| GEICO | $109 |
| CSAA | $119 |
| Nationwide | $129 |
| Progressive | $131 |
| Travelers | $134 |
| Farmers | $152 |
| Liberty Mutual | $181 |
| Amica | $342 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is among the cheapest car insurance companies for Toyota RAV4 drivers, with average monthly rates below $100. It offers military-specific savings, including discounts for garaging your vehicle on base or storing it during deployment. You can also take advantage of its telematics programs that reward safe or low-mileage driving.
Above-average J.D. Power customer satisfaction score
Strong mobile app and digital tools
Only available to veterans and military members
Limited in-person support
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a good choice for RAV4 drivers thanks to its nationwide availability and extensive network of local agents. It’s especially helpful for households with teen drivers, thanks to the multiple young driver discounts it offers. You can also take advantage of its usage-based program, Drive Safe & Save, which rewards safe driving habits with lower insurance premiums.
Large network of local agents
Discounts for teen drivers
Gap insurance not available
Poor Trustpilot rating
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate can be a good fit for drivers who want a flexible policy. It offers a wide range of customizable coverage options and multiple ways to save through discounts. For example, the company offers umbrella insurance and rideshare protection, and it also rewards safe driving through its Drivewise program, which can help lower your insurance premiums over time.
Wide variety of discounts available
Customizable coverage options
Below-average J.D. Power customer satisfaction score
Poor Trustpilot rating
New car models typically cost more to insure, as they depreciate faster and are usually more expensive to repair or replace. Older cars may cost less to insure since they’re less expensive to repair. Plus, it’s often easier to lower your coverage limits on older, paid-off vehicles.
The tables below show how Toyota RAV4 insurance rates vary by model year, along with the cheapest insurance companies for each year, based on Compare.com data.
RAV4 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $168 |
| 2024 | $168 |
| 2023 | $167 |
| 2022 | $167 |
| 2021 | $162 |
| 2020 | $154 |
| 2019 | $151 |
| 2018 | $146 |
| 2017 | $143 |
| 2016 | $139 |
| 2015 | $136 |
| 2014 | $134 |
| 2013 | $127 |
| 2012 | $123 |
| 2011 | $120 |
| 2010 | $118 |
| 2009 | $114 |
| 2008 | $113 |
| 2007 | $111 |
| 2006 | $110 |
| 2005 | $107 |
| 2004 | $104 |
| 2003 | $103 |
| 2002 | $103 |
| 2001 | $103 |
| 2000 | $102 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $121 |
| American Family | $128 |
| GEICO | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $121 |
| American Family | $128 |
| GEICO | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $94 |
| Allstate | $120 |
| American Family | $128 |
| GEICO | $131 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $94 |
| Allstate | $120 |
| American Family | $128 |
| GEICO | $131 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $941 |
| Allstate | $116 |
| American Family | $123 |
| GEICO | $127 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $87 |
| Allstate | $111 |
| American Family | $118 |
| GEICO | $121 |
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $85 |
| Allstate | $109 |
| American Family | $115 |
| GEICO | $119 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $111 |
| GEICO | $114 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $103 |
| American Family | $109 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $106 |
| GEICO | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| State Farm | $76 |
| Allstate | $98 |
| American Family | $103 |
| GEICO | $106 |
Compare personalized quotes from America’s top companies.
Your location also affects your car insurance rates, since drivers in high-traffic, urban areas tend to be at higher risk of accidents. Parking on the street or living in an area with a high number of claims can also raise your car insurance costs.
Below is a map showing average monthly premiums for each state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $115 |
| Arizona | $122 |
| Arkansas | $132 |
| California | $149 |
| Colorado | $149 |
| Connecticut | $207 |
| Delaware | $174 |
| Florida | $162 |
| Georgia | $185 |
| Hawaii | $92 |
| Idaho | $76 |
| Illinois | $115 |
| Indiana | $95 |
| Iowa | $78 |
| Kansas | $108 |
| Kentucky | $144 |
| Louisiana | $156 |
| Maine | $102 |
| Maryland | $221 |
| Massachusetts | $110 |
| Michigan | $167 |
| Minnesota | $126 |
| Mississippi | $110 |
| Missouri | $132 |
| Montana | $108 |
| Nebraska | $105 |
| Nevada | $184 |
| New Hampshire | $64 |
| New Jersey | $196 |
| New Mexico | $105 |
| New York | $160 |
| North Carolina | $64 |
| North Dakota | $85 |
| Ohio | $90 |
| Oklahoma | $125 |
| Oregon | $111 |
| Pennsylvania | $117 |
| Rhode Island | $160 |
| South Carolina | $178 |
| South Dakota | $100 |
| Tennessee | $103 |
| Texas | $159 |
| Utah | $109 |
| Vermont | $104 |
| Virginia | $130 |
| Washington | $123 |
| District of Columbia | $229 |
| West Virginia | $107 |
| Wisconsin | $88 |
| Wyoming | $82 |
Age also affects the car insurance rates you receive because drivers with more experience are generally less likely to get in an accident. That’s why teens tend to pay the highest rates for car insurance and seniors often receive lower average rates.
Average monthly premiums drop substantially once teen drivers reach adulthood. Here’s a breakdown of the average monthly rates for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $267 |
| Adults | $139 |
| Seniors | $120 |
RAV4 car insurance tends to be higher for young drivers, especially teens. Teens are more likely to engage in risky driving behavior, including distracted driving. In fact, 1 in 3 teens admit to texting while driving, according to the National Highway Traffic Safety Administration (NHTSA).[3] When teens are distracted, they can’t focus on hazards on the road, increasing the likelihood of accidents.
Fortunately, parents with teen drivers can lower their insurance costs with the right insurance company.
The following chart shows the cheapest average insurance companies for teen RAV4 drivers, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $112 |
| State Farm | $125 |
| Allstate | $160 |
| American Family | $170 |
| GEICO | $174 |
RAV4 car insurance rates tend to be lower for seniors. This is largely due to their safe driving habits and, in many cases, fewer miles driven. Many insurance companies offer senior-specific car insurance discounts, giving seniors an opportunity to save even more.[4]
Check out the chart below to see the cheapest companies for RAV4 car insurance for seniors, according to our data.
Category | Price |
|---|---|
| USAA | $60 |
| State Farm | $66 |
| Allstate | $85 |
| American Family | $90 |
| GEICO | $93 |
Your driving history has a major effect on your auto insurance rates because insurers use it to predict how likely you are to file a claim. A single speeding ticket can raise premiums for several years, while more serious violations, like a DUI, typically lead to much larger increases.
The table below shows the average monthly RAV4 insurance rates by driving record, based on Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $139 |
| Speeding ticket | $186 |
| At-fault accident | $199 |
| DUI | $234 |
Drivers with a clean record pay an average of $139 per month, but those costs increase after a speeding ticket or at-fault accident. A driving under the influence (DUI) conviction leads to the highest costs, with an average monthly premium of $234.
If you have a speeding ticket on your record, you’ll likely face higher car insurance costs. Speeding significantly increases crash risk and contributed to 11,775 speeding-related deaths in 2023.[5]
Because insurance companies weigh violations differently, comparing quotes can help limit how much your rates increase after a violation. The chart below shows some of the cheapest companies for RAV4 drivers with a speeding ticket, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $90 |
| State Farm | $97 |
| Allstate | $130 |
| American Family | $138 |
| CSAA | $145 |
Drivers with an at-fault accident typically pay higher car insurance rates because insurers see them as more likely to file future claims. Your insurer will increase your premium a certain percentage (which varies by company), and the increase could remain on your policy for about three years.[6]
But shopping around for coverage can help keep your rates affordable. The chart below shows the average monthly premiums for RAV4 drivers with an at-fault accident, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $91 |
| State Farm | $99 |
| Allstate | $130 |
| GEICO | $132 |
| American Family | $139 |
A DUI is a serious offense that will leave you paying the highest insurance premiums. That’s because alcohol-impaired driving can lead to fatal crashes. In fact, it accounted for nearly 32% of all traffic fatalities in 2022, according to the NHTSA.
As a result, insurers classify DUI offenders as high-risk drivers, and some insurers may even refuse to offer you coverage. Still, insurers weigh convictions differently, so shopping around can make a significant difference.
The chart below highlights the cheapest average premiums for RAV4 drivers with a DUI, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $102 |
| State Farm | $114 |
| Allstate | $146 |
| GEICO | $149 |
| American Family | $155 |
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Several factors influence the cost of insuring a Toyota RAV4, including pricing, repair costs, and theft rates. Here are some things to consider when purchasing a RAV4.
Vehicle value: New RAV4s typically cost between $33,154 and $39,100, depending on the trim level.[7] Because insurers factor a vehicle’s replacement cost into premiums, higher-priced trims typically cost more to insure.
Depreciation and resale: RAV4s tend to depreciate 28% after five years, with a resale value of $27,315.[8] Insurers base payouts on a vehicle’s actual cash value when you file a claim, so depreciation can influence how much the insurer pays after a total loss.
Repair costs: RAV4s don’t have high maintenance costs and tend to be fairly affordable to own. Maintenance costs for the RAV4 are typically lower than average for compact SUVs.
Safety features and ratings: The RAV4 received a five-star safety rating from the NHTSA thanks to features like forward-collision warning, lane-departure warning, crash-imminent braking, and dynamic brake support. Some insurers offer discounts for vehicles with advanced safety features.
Theft risk: Vehicles with a high theft rate tend to have higher average car insurance premiums. RAV4s aren’t among the most stolen vehicles in 2024, according to the National Insurance Crime Bureau.
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Because the Toyota RAV4 has strong safety ratings and moderate repair costs, you may be able to lower your premiums. Here are a few strategies you can use to find the best car insurance:
Take advantage of safety discounts. Newer RAV4s come with advanced driver-assistance features like automatic high beams, lane tracing assist, and roadside assist. Ask your insurer if these safety features help you qualify for a discount.
Adjust your coverage. If you drive an older, paid-off RAV4, it may make sense to consider liability-only coverage if your vehicle’s value no longer justifies full coverage.
Bundle policies. Many insurance companies offer discounts for bundling multiple policies, like auto and homeowners insurance.
Shop annually. Rates can vary widely, especially for popular models. It’s worthwhile to compare free quotes at every renewal period, even if you’re happy with your current insurer.
Maintain good credit. Unless you live in a state that doesn’t allow insurers to consider credit, maintaining good credit could lead to lower car insurance rates.
Raise your deductible. Choosing a higher deductible can help lower your premiums, as long as you can cover the higher deductible out of pocket.
Get real-time quotes and save money on your next policy.
Your insurance costs can vary depending on your driving record, location, credit history, and coverage, so it’s helpful to shop around and compare quotes. Here’s some additional information about RAV4 car insurance to help you find the best rate.
No. On average, it costs $139 per month to insure a RAV4, which is less expensive than the average cost to insure all other vehicles, according to our data. Toyota RAV4 has strong safety ratings and low average repair costs, which can help lower claim risk and lead to lower premiums.
USAA is the cheapest average insurer for RAV4 drivers, according to our data. But since not every driver qualifies for USAA, the next-cheapest option is State Farm. Remember that your exact costs can vary depending on your driving profile, so it pays to shop around and compare quotes.
Car insurance for a 2025 RAV4 averages $168 per month, according to our data. Keep in mind that personal rates can vary depending on factors such as your age, state, and driving record.
The Sienna is the cheapest Toyota model to insure, with an average monthly rate of $88 for liability insurance and $165 for full coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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