Toyota RAV4 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota RAV4 costs less than most other SUVs to insure.

• Liability only auto insurance prices for a RAV4 average about $75 per month, while full coverage usually averages around $145 a month.

• The most affordable insurance company for a RAV4 is AmericanAlliance.

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RAV4 Overview

Coming in with a base MSRP of $26,050 for new 2021 models, the Toyota RAV4 is a great budget-friendly car for drivers of all types. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your car insurance rates.

Based on reviewing thousands of auto insurance quotes from Compare.com, we've determined that average Toyota RAV4 insurance prices run about $146 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota RAV4?

Based on the table above, Toyota RAV4 insurance premiums are lower than average. On average, RAV4 drivers can expect to pay around $75 a month for liability insurance, and about $145 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other Toyota models, the RAV4 is less expensive, with rates more than 10% lower than the rest of the automaker's vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a RAV4 is also more affordable, with full coverage insurance prices coming in around 5% less and 7% less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Toyota RAV4?

If you're in the market for a new car insurance policy for your Toyota RAV4, you're likely wondering which carrier offers the most affordable premiums. Even though rates can vary pretty significantly from policyholder to policyholder, StateAuto and and Ohio Mutual offer the cheapest average rates for liability only coverage, with rates as cheap as $38 per month.

The third, fourth, and fifth carriers on the list are Aspire, MetroMile, and Arrowhead. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Toyota RAV4.

Car insurance carriers use multiple factors and complex formulas to calculate rates. The only way to guarantee you find the lowest rates is to compare quotes from a bunch of car insurance companies.

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What Factors Affect Car Insurance Rates for a Toyota RAV4?

There are a variety of pieces that insurance carriers take a look at to choose how much they charge you for auto insurance -- and each company uses a different algorithm, so there's not one single carrier that's the most affordable for every driver.

The sections below show multiple things car insurance companies use to calculate rates:

Vehicle Age

The Toyota RAV4 has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for insurance. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

As you can see in the information above, the Toyota RAV4 is inline with this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are RAV4s that are 8 to 10 and 15 or more years old, on average.

Your Age

Your age is another factor that makes a difference in how much you pay for auto insurance. As you can see in the table above, drivers who are under 18 have more expensive premiums than those who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for RAV4 drivers.

Your Gender

You may not know, but men typically pay more for car insurance than women do. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. The Toyota RAV4 is no different, and men pay about $79 a month for insurance, while women pay around $72.

Where You Live

You may think it's obvious that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live matters, too? Since auto insurance is regulated on the state level and not nationally, rates can differ quite a bit depending on which state you call home.

For example, the average Toyota RAV4 driver in New York pays about $183 monthly for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Toyota RAV4 Car Insurance Discounts

Regardless of what state you live in, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your insurance policy is always important.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
• Multi-vehicle discounts for insuring more than one of your cars with the same company

But these aren't the only discounts auto insurance carriers offer to their customers. And often, the best way to save isn't through a "discount" at all, but rather by having a good record when it comes to both car insurance and driving.

While you don't have control over every variable auto insurance carriers consider to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your advantage in order to save on insurance:

Your Driving Record

You've almost certainly noticed ads from car insurance companies posting big discounts for responsible drivers. It shouldn't come as a surprise that your auto insurance premiums will go higher if you get into an accident or get a speeding ticket. But how much will they cost you?

According to the table above, accidents will usually cost RAV4 drivers more than tickets, but both will result in above average rates. Toyota RAV4 drivers with a single ticket will pay about $83 a month, while drivers with one accident on their record pay an average of $94 every month (up $19 from the $75/mo. overall average). Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive affects your insurance prices. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally be offered less expensive premiums. In the above table, you can see that Toyota RAV4 owners who drive fewer than 2,500 miles each year pay an average of $67 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $74.

If you work from home or drive less often than the average driver, it may be worth considering usage-based or pay-per-mile car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Toyota RAV4s Compare to Other Vehicles?

If you're thinking about making a Toyota RAV4 your next vehicle, it might be helpful to do your homework. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the Toyota RAV4 stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Toyota RAV4 is a fantastic value for any budget. The RAV4 has a base price of $26,050, which is quite a bit lower than the national average vehicle MSRP of $46,179.

Similarly, insurance rates are slightly lower when compared to other vehicles on the market. Liability insurance for a Toyota RAV4 is around $16 per month less than average, while full coverage is $1 less monthly.

When it comes to usage, Toyota RAV4 drivers are far from the national average in annual miles driven, with 10,124 miles a year compared to 11,660 for all vehicles.

Toyota RAV4 Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on what you'll pay for car insurance. But if you're considering purchasing a new RAV4, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your choices.

For this reason, we've crunched the numbers and broken down Toyota RAV4 insurance prices by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, such as available trims, the cheapest insurance carrier, and base price for each RAV4 model year.

Choose Your Model

2021 Toyota RAV4 Car Insurance 2020 Toyota RAV4 Car Insurance 2019 Toyota RAV4 Car Insurance 2018 Toyota RAV4 Car Insurance 2017 Toyota RAV4 Car Insurance 2016 Toyota RAV4 Car Insurance 2015 Toyota RAV4 Car Insurance 2014 Toyota RAV4 Car Insurance 2013 Toyota RAV4 Car Insurance 2012 Toyota RAV4 Car Insurance 2011 Toyota RAV4 Car Insurance 2010 Toyota RAV4 Car Insurance 2009 Toyota RAV4 Car Insurance

2021 Toyota RAV4 Car Insurance

If you're considering a brand new Toyota RAV4, you've got plenty of options. A 2021 Toyota RAV4 starts at about $26,050 for the base model, with 11 different trim levels to pick from.

On average, it costs around $65 per month to insure a 2021 Toyota RAV4 for liability only and $168 monthly for full coverage. And if you want the cheapest insurance possible, DirectGeneral offers liability only policies for sometimes as low as $20 a month.

Although this gave you a good idea of what the average 2021 RAV4 will cost to insure, a personalized quote is the only way to know exactly how much auto insurance will cost you. Luckily, Compare.com will gather quotes from several carriers for you, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Toyota RAV4 Car Insurance

If you're in the market for a 2020 RAV4 or already own one, you're most likely looking at an average insurance price of about $171 for full coverage or $80 for a liability only policy.

And if you're just looking for the lowest car insurance for your RAV4, Dairyland offers liability only policies for as low as just $26 monthly.

These average premiums are a great starting point if you're in the market for a 2020 Toyota RAV4, but there are a bunch of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2019 Toyota RAV4 Car Insurance

2019 Toyota RAV4 drivers can expect to pay an average of $83 per month for liability or $165 for full coverage.

If you're looking for the cheapest possible 2019 Toyota RAV4 insurance policy, DirectGeneral offered the cheapest policy we found, with rates as low as $20 a month.

If you want to find the best rates for auto insurance for a 2019 Toyota RAV4, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

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2018 Toyota RAV4 Car Insurance

It costs around $85 monthly for liability or $167 for a full coverage policy for the 2018 RAV4.

With premiums sometimes as cheap as $18 a month, Clearcover offered the lowest policy we found for the 2018 Toyota RAV4.

Want to know exactly what your insurance rate will be? Get a variety of free personalized quotes by just entering your ZIP code below.

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2017 Toyota RAV4 Car Insurance

You can expect full coverage for a 2017 Toyota RAV4 to run about $150 per month, while liability only coverage will average around $83 monthly.

Hugo has rates as little as just $20 a month for the 2017 Toyota RAV4.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2016 Toyota RAV4 Car Insurance

The average cost to insure a 2016 RAV4 with liability only coverage is $88 per month, while full coverage runs about $149 monthly.

We found Liberty Mutual offered the most affordable policy, with rates sometimes as little as $17 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2016 Toyota RAV4, you can get free quotes in minutes by just entering your ZIP code below.

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2015 Toyota RAV4 Car Insurance

On average, drivers who own a 2015 Toyota RAV4 can expect to pay $79 to $143 per month for liability only and full coverage car insurance, respectively.

Mile Auto offered the cheapest policy we found, with rates as little as $17 monthly.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free personalized quotes.

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2014 Toyota RAV4 Car Insurance

2014 RAV4 drivers can expect to pay an average of $68 per month for liability or $135 for full coverage.

With prices as cheap as just $18 a month, StateAuto offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2014 Toyota RAV4, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Toyota RAV4 Car Insurance

It costs around $71 monthly for liability or $134 for a full coverage policy for the 2013 Toyota RAV4.

Looking for the most affordable policy? Hugo offered liability only coverage for as low as just $17 per month.

While these are good estimates of what the average driver might pay to insure a 2013 Toyota RAV4, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2012 Toyota RAV4 Car Insurance

On average, drivers who own a 2012 RAV4 can expect to pay $70 to $133 a month for liability only and full coverage insurance, respectively.

With prices sometimes as cheap as $20 per month, Liberty Mutual offered the lowest policy we found for the 2012 Toyota RAV4.

Interested in what your auto insurance price could look like? Just enter your ZIP code below to get multiple free personalized quotes.

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2011 Toyota RAV4 Car Insurance

The average cost to insure a 2011 Toyota RAV4 with liability only coverage is $73 a month, while full coverage runs about $127 monthly.

MetLife has rates sometimes as low as $17 per month for the 2011 Toyota RAV4.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Toyota RAV4 Car Insurance

You can expect full coverage for a 2010 RAV4 to run around $138 a month, while liability only coverage will average about $81 monthly.

Looking for the cheapest policy? ACG offered liability only coverage for as cheap as $17 a month.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing quite a few personalized quotes from the nation's top insurance companies.

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2009 Toyota RAV4 Car Insurance

The average cost to insure a 2009 Toyota RAV4 with liability only coverage is $72 per month, while full coverage runs around $138 monthly.

If you're looking for the lowest possible 2009 Toyota RAV4 insurance policy, StateAuto offered the cheapest policy we found, with rates as little as $17 per month.

If you want to know exactly how much you can expect to pay for your RAV4, just enter your ZIP code below and get free quotes in minutes.

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Toyota RAV4 Insurance FAQs

Is a Toyota RAV4 expensive to insure?

When compared to the national average of all SUVs, premiums come in on the more affordable end of the spectrum. Liability insurance runs an average of $75 monthly, while full coverage will cost you around $145.

How can I get the best price on car insurance for my Toyota RAV4?

The only way to ensure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from several carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota RAV4 affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually not the case. There are a wide array of variables insurance carriers examine when they offer you a premium, but your Toyota RAV4's color is not one of them.

Do I need to have insurance before I buy a Toyota RAV4?

Before you can legally drive your new (or new to you) RAV4 off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships might offer you an insurance policy as part of the car-buying process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Toyota RAV4?

There are a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your RAV4 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know is to talk with your insurance agent and ask about their discounts.