Toyota RAV4 Insurance Costs: Compare Quotes and Get the Best Rate

Looking for insurance for your RAV4? Our latest guide has everything you need to know, including average rates and how to get the cheapest possible quotes.

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Insuring your car is an important step to take to help protect yourself financially. Many factors influence how much car insurance costs, including the type of car you have. data experts discovered that the average rate to insure a Toyota RAV4 is $129 per month. If that price is hard on your budget, keep reading for tips and tricks for lowering Toyota RAV4 insurance costs — from choosing the right insurance company to asking for discounts.

Key Takeaways:

  • Toyota RAV4 insurance costs can depend on your age, location, and driving record.
  • Insurance prices can also vary by the age of your RAV4.
  • Drivers should comparison shop among different car insurance companies to find the best rates.

How Much Does It Cost to Insure a Toyota RAV4?

Toyota RAV4 driving

The cost to insure a Toyota RAV4 can vary depending on factors such as the driver’s age, location, driving history, and the specific insurance company. The average monthly insurance rate for a RAV4 is around $129. However, it’s important to note that this is just an average and individual car insurance rates can change based on personal circumstances and the coverage options chosen.

Find Cheaper Insurance for Your RAV4

Cheapest companies to insure your RAV4

When it comes to insuring your Toyota RAV4, the auto insurance rate you end up with can vary significantly depending on the insurance company you choose. That being said, to provide a starting point for your research, here’s a table comparing some of the cheapest insurance companies for a Toyota RAV4.

Insurance Company Average Monthly Rate
Mile Auto $76
Metromile $77
Clearcover $89
The Hartford $100
SafeAuto $103

When it comes to auto insurance premiums for RAV4 drivers, Mile Auto and Metromile stand out as the most affordable options, with average monthly rates of $76 and $77, respectively. However, it’s worth mentioning that both companies are pay-per-mile insurers, which means they charge drivers a lower base rate each month before adding extra charges based on the number of miles they drive.

Clearcover and The Hartford follow the two companies closely with rates of $89 and $100, while SafeAuto is slightly more expensive, at $103 per month. These rates highlight the significant variations between insurance providers. It’s a good idea to compare quotes from multiple companies to find the best coverage and price for insuring your Toyota RAV4.

How much is Toyota RAV4 insurance compared to other cars?

The make and model of your car can have a significant impact on how much you end up paying for car insurance coverage. To give you an idea of how Toyota RAV4 insurance compares to other cars, we compiled a table with average monthly premiums for the RAV4 and a few of its closest competitors.

Vehicle Liability Full Coverage
Toyota RAV4 $75 $145
Subaru Forester $66 $127
Honda CR-V $75 $130
Ford Escape $78 $138
Nissan Rogue $92 $159

Before buying a new car, it can be helpful to think about the effect the make and model will have on your monthly auto insurance rates. For example, choosing a Subaru Forester over a Nissan Rogue can save you $312 a year on auto insurance premiums.

These rate differences can be for a number of reasons, including Subaru’s widely-regarded high safety ratings and affordable repair costs.

Average RAV4 insurance costs by model year

The age of your vehicle also can influence auto insurance rates. Insurance companies consider the cost to replace a car if it were totaled in an accident when setting premium prices. Older cars are less expensive to replace, which leads to insurance savings.

Here is a table showing the average monthly liability and full-coverage rates for the Toyota RAV4 based on the model year:

Model Year Liability Full Coverage
2023 $108 $209
2022 $84 $171
2021 $84 $163
2020 $83 $161
2019 $83 $159
2018 $80 $156
2017 $80 $151
2016 $79 $148
2015 $76 $138
2014 $75 $135
2013 $76 $131
2012 $69 $123
2011 $74 $129
2010 $73 $124

Looking at the data, you can see that older model years generally have lower insurance rates compared to newer ones. The liability coverage rates remain relatively consistent across the years after the first year of ownership, with some minor fluctuations. However, the full-coverage rates tend to decrease more substantially as the vehicle ages, indicating that older RAV4s may have lower comprehensive and collision insurance costs.

Average costs to insure a Toyota RAV4 by driver age

Unfortunately for young drivers, car insurance tends to cost much more in your earlier days behind the wheel. Drivers tend to see their car insurance rates drop substantially once they gain a bit of maturity and driving experience. You can see this by reviewing the table below, which highlights the average monthly costs to insure a RAV4 based on different age groups.

Age Monthly Rate
Under 18 $232
18–24 $106
25–34 $74
35–44 $73
45–54 $67
55–64 $58

Younger drivers generally face higher insurance rates, with premiums gradually decreasing as they get older. This pattern holds true for both liability-only and full-coverage policies. It’s important to note that maintaining a good driving record is key to getting lower car insurance rates as you get older.

The Top Factors That Affect Toyota RAV4 Insurance Costs

Handshake after purchasing newly-insured Toyota RAV4

How much you spend on car insurance each month depends on a multitude of factors, such as your age, your driving record, your deductible, and even your location. Let’s take a closer look at how these different factors influence insurance rates.

Your age and driving record

Age and driving record are two significant factors that can impact your car insurance premium for a Toyota RAV4 (or any type of car). Younger drivers tend to have higher rates due to their limited driving experience and higher-risk profile. Additionally, your driving record, including any previous accidents or traffic violations, can affect your premium. Drivers with a clean driving record (no at-fault collisions or speeding tickets) generally receive lower rates since insurers perceive them as less risky to insure. The less an insurance company thinks you’ll cost them, the better.

Where you live and local crime rates

Your address also plays a role in determining your car insurance premium. Insurance companies consider factors such as accident frequency, theft, and vandalism rates in your area when setting prices. If you live in a ZIP code with high crime rates, you may face higher insurance premiums since insurance companies see you as more likely to file a claim. Higher crime rates also indicate a greater risk of damage or theft to your vehicle, which insurers take into account when calculating your premium.

The coverage and deductible you choose

The type of coverage, coverage limits, and deductible you choose all have a significant effect on your car insurance premium. Opting for less coverage will lower your premium but increase your risk in the event of an accident. On the other hand, higher coverage limits and lower deductibles will raise your premium but provide more financial protection. It’s crucial to choose a deductible you can afford since you’ll need to pay it before your insurance contributes to the claim.

Your vehicle’s age and trim level

In general, older cars are less expensive to insure than newer ones, as are cars with lower trim levels. This is because older cars typically have a lower value and cost less to replace in the event of damage. Newer cars with advanced technology and higher repair costs can result in higher insurance premiums. It’s also worth noting that since the pandemic, the cost of parts and labor has increased, which can further impact insurance rates for all vehicles.

How to Lower Your Toyota RAV4 Insurance Cost

Toyota RAV4 parked off-road

If you’re looking to reduce your auto insurance costs for your Toyota RAV4, consider these tips.

Consider safety and anti-theft features

Having a car equipped with anti-theft and safety features can help keep insurance prices on the lower side. For example, the Toyota RAV4 comes equipped with a range of standard safety and anti-theft features. These include features such as the Toyota Safety Sense 2.5 suite, which includes a pre-collision system with pedestrian detection and lane-departure alert.

Bundle your home and auto insurance policies

One easy way to save on an auto insurance policy is to choose to work with an insurance company that offers both home and auto policies, as well as a discount for buying both insurance policies through them. This is typically known as a bundling or multi-policy discount.

Take advantage of discounts and other savings

Auto insurance companies often offer a variety of discounts, so it’s always a good idea to inquire about which ones you or a member of your family might qualify for. Low mileage, good student, and defensive driving course discounts are common examples of ways to save on auto insurance.

Compare car insurance quotes from multiple companies

Comparison shopping car insurance quotes is an effective way to keep your rates low. Different insurance providers offer varying rates and discounts, so by getting quotes from multiple companies, you can compare options and choose the most affordable coverage that meets your needs. The trick here isn’t to look for the cheapest policy, but for the lowest rates for the amount of coverage you desire.

Get affordable auto insurance for your Toyota RAV4

Toyota RAV4 Insurance FAQs

Considering buying car insurance for a Toyota RAV4? Let’s address some frequently asked questions about this type of insurance to help you prepare.

Is a Toyota RAV4 expensive to insure?

Toyota RAV4s are slightly cheaper than the average vehicle when it comes to auto insurance prices. A RAV4 costs around $129 per month, on average, while the overall average price for all makes and models is $140 per month.

How much does it cost to insure a Toyota RAV4?

Drivers can expect to spend an average of $129 per month on a car insurance policy for a Toyota RAV4, but the rate they actually pay can depend on many different factors, such as their driving record, age, and location.

Is it cheaper to insure a car or an SUV?

The cost of insurance for a car or an SUV can vary depending on several factors, including the specific make and model, driving record, location, and coverage options. Generally, SUVs may have slightly higher insurance rates due to their higher average costs and potential for greater damage in accidents. However, it ultimately depends on the individual circumstances and insurance company.

Is insurance on a Toyota expensive?

The typical cost of insuring a Toyota vehicle is fairly average. According to internal Compare data, the average cost to insure a Toyota is $135 per month, whereas the overall average for all vehicles is $140 per month. A few similar brands are cheaper to insure, such as Subaru ($120) and Ford ($127).

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Uncover More Affordable Rates for Your RAV4