Toyota RAV4 car insurance: how much should you pay? (2023)

Quick facts

• Toyota RAV4 insurance is cheaper than most other SUVs.

• Liability-only car insurance rates for the RAV4 average around $75 per vehicle. per month, while full coverage is typically around $145 per month. month.

• The cheapest insurance company for the RAV4 is AmericanAlliance.

RAV4 review

With a base MSRP of $26,050 for new 2021 models, the Toyota RAV4 is a great, affordable car for all types of drivers. Not only is it at the affordable end of the spectrum when it comes to overall price, but it's also a smart choice for your budget considering car insurance rates.

Based on thousands of car insurance quotes from Compare.com, we've determined that the average Toyota RAV4 insurance rates are around $146 per car. month. Where does it compare to the rest of the market?

How much does Toyota RAV4 car insurance cost?

From the table above, insurance premiums for the Toyota RAV4 are lower than average. On average, RAV4 drivers can expect to pay around $75 per person per monthinsurance of civil responsibilityand about $145 a monthfull coverage, which in addition to civil liability includes comprehensive collision insurance (see our guide,"Minimum Mode vs. Full Coverage"for more information on the differences between these types of insurance).

Compared toother Toyota models, the RAV4 is cheaper, and its prices are more than 10% lower than in the case of other vehicles offered by the manufacturer. Compared to other brands' SUV offerings, the RAV4's car insurance is also less expensive, with full insurance prices about 5% lower and liability insurance 7%.

They are also cheaper to insure than the average vehicle in general, regardless of body type, model or make.

Who has the cheapest car insurance for Toyota RAV4?

If you are in the market newcar insurancepolicy for your Toyota RAV4, you are probably wondering which carrierthe cheapest premiums. While rates can vary greatly by policyholder, StateAuto and Ohio Mutual offer the cheapest average liability-only rates, with rates as low as $38 per policy. month.

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

Insurance companies use many factors and complex formulas to calculate rates. The only way to ensure you find the lowest prices is to compare quotes from several insurance companies.

What factors affect car insurance rates for the Toyota RAV4?

There are several elements that insurance companies look at when deciding how much to pay for car insurance - and each company uses a different algorithm, so there is no one company that is most affordable for every driver.

The following sections show a few things insurance companies use to calculate rates:

Vehicle age

The Toyota RAV4 has been around for a while, which means the age of the vehicle is likely to play a big part in how much you end up paying for insurance. Newer cars tend to cost more to insure because they're worth more, but insurance costs will gradually decrease as you get older.

As you can see from the above information, the Toyota RAV4 is part of this trend, as the most expensive models to insure are those that are 2 to 3 years old, and the cheapest RAV4 models that are 8 to 10 and 15 years old or older. annual average.

your age

Your age is another factor that affects how much you pay for car insurance. As you can see in the table above, drivers under 18 have more expensive premiums than drivers with more driving experience. Here, drivers under 18 pay more than three times as much as drivers over 25.

Motor insurance rates continue to decline with age, with the cheapest age group being 55-64 for RAV4 drivers.

your gender

You may not know it, but men generally pay more for car insurance than women. This is because women are less likely to be involved in collisions and tickets, making an insurance claim less likely. The Toyota RAV4 is no different, men pay around $79 a month for insurance, while women pay around $72.

Where do you live

You might think it's obvious that variables like the vehicle you drive and how old you are play a role in car insurance rates, but did you know that where you live also matters? Because car insurance is regulated at the state, not national level, prices can vary greatly depending on the state you live in.

For example, the average Toyota RAV4 driver in New York pays about $183 a month for liability insurance. Meanwhile, the same owner in California pays half as much on average. The table above shows the average premiums for the 10 most populous states to give you a good idea of ​​how much prices can vary from state to state.

Discounts on car insurance Toyota RAV4

No matter what state you live in, what vehicle you drive, or how old you are, it's always important to take advantage of as many discounts as possible when it comes to insurance.

Not all insurance companies offer the same discounts, but there are a few that are relatively common. These include things like:

• Multiple policy discountuse the same insurer for both home and car insurance
• Vehicle protection discountowning a vehicle with higher safety ratings or a vehicle with certain safety features (such as airbags or anti-lock brakes)
• Full payment discountschoose to pay the interest in full upfront, rather than in monthly installments
• Discount for many vehiclesinsure more than one car with the same company

But these are not the only discounts that insurance companies offer their customers. And often the best way to save is not to "discount" at all, but to have a good record of both car insurance and driving.

While you can't control all the variables that insurance companies take into account when paying rates (such as some of the ones listed above), there are a few you can control. Below are just a few options you can save on insurance:

your driving record

You've almost certainly noticed ads from insurance companies offering big discounts to responsible drivers. It should come as no surprise that car insurance premiums go up if you get into an accident or get a speeding ticket. But how much will they cost you?

According to the table above, accidents usually cost RAV4 drivers more than tickets, but in both cases the rates are above average. Single tickets from Toyota RAV4 drivers pay around $83 a month, while drivers with a single accident in their history pay an average of $94 a month. per month (up $19 from an overall average of $75 per month). Drivers who commit more than one of the two violations will pay even more.

how much do you drive

The number of kilometers driven affects insurance rates. Those who are less on the roads are less likely to have an accident, so they are generally offered a cheaper premium. In the table above, you can see that Toyota RAV4 owners who drive less than 2,500 miles a year pay an average of $67 a month for car insurance, while those who drive 10,000 miles or more pay $74.

If you work from home or drive less than the average driver, this is worth consideringwear-based or pay-per-mile car insurance. With these policies, you pay a small base rate each month and your final monthly bill is calculated based on the number of miles driven.

How does the Toyota RAV4 compare to other vehicles?

If you are considering making the Toyota RAV4 your next vehicle, doing your homework may help. Car insurance is just one expense associated with buying a new car, but it's definitely worth thinking about.

Visit the table below to see how the Toyota RAV4 is doing:

With a suggested retail price a third lower than the current price of a new vehicle, the Toyota RAV4 is great value for any budget. The RAV4 has a base price of $26,050, well below the national average vehicle price of $46,179.

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

In terms of usage, Toyota RAV4 drivers are well below the national average in terms of annual mileage of 10,124 miles per year compared to 11,660 miles for all vehicles.

Toyota RAV4 car insurance price by model year

By now, you've seen how various factors affect how much you pay for car insurance. But if you're considering buying a new RAV4, knowing how much you're likely to pay for the particular car you're looking at can be very helpful when considering your options.

For this reason, we've compiled the numbers and broken down Toyota RAV4 insurance prices by model year. Search for your desired model year from the drop-down list to see the average prices for Liability Only and Full Coverage options, as well as other useful information such as available equipment, cheapest insurer and base price for each RAV4 model year.

Choose your model

Toyota RAV4 2021 car insurance

If you're considering the all-new Toyota RAV4, you have plenty of options. The price of the 2021 Toyota RAV4 starts at around $26,050 for the base model, with 11 different trim levels to choose from.

A 2021 Toyota RAV4 liability-only insurance costs an average of around $65 per month and $168 per month for full coverage. And if you want the cheapest coverage possible, DirectGeneral offers liability-only coverage for sometimes as little as $20 a month.

While this has given you a good idea of ​​how much your average RAV4 will cost to insure in 2021, a personal quote is the only way to know exactly how much car insurance will cost. Happy,Vergelijk.comcollects free quotes from various carriers for you. Enter your zip code below, answer a few questions and you'll have access to the best rates in minutes.

Toyota RAV4 2020 car insurance

If you're looking to buy a 2020 RAV4 or already own one, you're probably looking at an average insurance price of around $171 for full coverage or $80 for a liability policy.

And if you're looking for the cheapest auto insurance for your RAV4, Dairyland offers liability insurance from just $26 per vehicle. month.

These average premiums are a good starting point if you want to buy a 2020 Toyota RAV4, but there are many things that come into play when calculating policies. If you want to know exactly how much you will pay, you can receive customized offers by entering your zip code below.

Toyota RAV4 2019 car insurance

Drivers of a 2019 Toyota RAV4 can expect to pay an average of $83 a month for liability or $165 for full insurance.

If you're looking for the cheapest 2019 Toyota RAV4 insurance, DirectGeneral offers the cheapest policy we've found, with rates starting at $20 per car. month.

To find the best auto insurance rates for your 2019 Toyota RAV4, enter your zip code below and compare multiple personalized quotes in minutes.

2018 Toyota RAV4 Bilforsikring

It costs around $85 per month for liability or $167 for full coverage of the 2018 RAV4.

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

Want to know exactly what your insurance premium will be? Get a range of free personalized quotes by entering your zip code below.

Car insurance Toyota RAV4 2017

You can expect full coverage for a 2017 Toyota RAV4 for around $150 per vehicle. per month, while liability insurance will average around $83 per month. month.

Hugo has rates as low as $20 per month for the 2017 Toyota RAV4.

If you want to know exactly how much your premium will be, enter your zip code below and get a free quote in minutes.

Car insurance Toyota RAV4 2016

The average cost of a 2016 RAV4 with liability-only insurance is $88 per person per month, while full coverage is approximately $149 per month. month.

We found Liberty Mutual to offer the most affordable policy, with rates sometimes as low as $17 per policy. month.

If you're looking for a more accurate estimate of how much you'll pay for your 2016 Toyota RAV4 car insurance, you can get a free quote in minutes by entering your zip code below.

Car insurance Toyota RAV4 2015

On average, drivers who own a 2015 Toyota RAV4 can expect to pay between $79 and $143 per month for liability and comprehensive auto insurance, respectively.

Mile Auto offered the cheapest policy we could find, with rates as low as $17 per person per month.

Want to know exactly how much you have to pay? Enter your zip code below to receive many free personalized offers.

Car insurance Toyota RAV4 2014

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

With prices as low as $18 a month, StateAuto offered the lowest policy we could find.

While these are good estimates of what the average driver might pay for a 2014 Toyota RAV4 insurance, these premiums can vary depending on your driving profile. Get free personalized quotes in minutes by entering your zip code below.

Toyota RAV4 car insurance 2013

It costs around $71/month for liability or $134 for full coverage on a 2013 Toyota RAV4.

Looking for the cheapest policy? Hugo offered liability insurance for only $17 a month.

While these are good estimates of what the average driver might pay for a 2013 Toyota RAV4 insurance, these prices can vary depending on the driver profile. Enter your zip code below and get your free personalized quotes in minutes.

Toyota RAV4 car insurance 2012

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

With rates sometimes as low as $20 a month, Liberty Mutual offered the lowest policy we could find for a 2012 Toyota RAV4.

Are you interested in what the price of your car insurance may look like? Enter your zip code below to receive more free personalized offers.

Toyota RAV4 car insurance 2011

The average cost of 2011 Toyota RAV4 liability-only insurance is $73 per car. per month, while full coverage is around $127 per month. month.

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

If you'd like a more accurate quote for the amount you're expecting, please enter your postcode below and you'll receive several free quotes within minutes.

Toyota RAV4 car insurance 2010

You can expect full coverage for a 2010 RAV4 to cost around $138 per month, while liability insurance will average around $81 per person per month.

Looking for the cheapest policy? ACG offered liability insurance for only $17 a month.

Want to find the best prices? All you need to do is enter your zip code below and you'll be on your way to comparing some personal quotes from the best insurance companies in the country.

Toyota RAV4 car insurance 2009

The average cost of 2009 Toyota RAV4 liability-only insurance is $72 per car. per month, while full coverage is around $138 per month. month.

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

To find out exactly how much you can pay for your RAV4, please enter your postcode below and you will receive a free quote within minutes.

Toyota RAV4 Insurance FAQ

Is Toyota RAV4 insurance expensive?

Compared to the national average for all SUVs, premiums are at the more affordable end of the spectrum. Liability insurance costs an average of $75 a month, and full coverage costs around $145.

How do I get the best car insurance rate for my Toyota RAV4?

The only way to make sure you get the most affordable car insurance rate is to regularly shop around and compare quotes from different companies. Over time your driver profile will change which may change your rates, so it is recommended to apply for a quote approximately every 6 months. Fortunately, sites likeVergelijk.comallows you to compare prices from multiple companies at once, which means you can find the lowest prices (or guarantee you already have the best deal) in minutes.

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

You may have heard that red cars cost more to insure than silver or white cars, but that's not the case. There are many variables that insurance companies consider when offering a premium, but the color of your Toyota RAV4 is not one of them.

Do I need insurance before buying a Toyota RAV4?

Before you can legally drive your new (or new to you) RAV4 out of the dealer's parking lot, you must have valid car insurance. Some dealers may offer insurance as part of the car buying process, but it's best to let your insurance company know ahead of time.

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

There are various insurance discounts. Many of these (such as "multiple policy discounts" and "safe driver discounts") are based more on you than the vehicle you drive, but if your RAV4 has safety features like anti-lock braking, anti-theft, airbags and other features may qualify for some discounts. The only way to find out is to talk to your insurance agent and ask about their discounts.