Toyota RAV4 vs Subaru Crosstrek – Which insurance costs less? (2023)

• For the 2023 model year, Subaru Crosstrek insurance costs an average of $288 less per year than the Toyota RAV4.
• For the 2023 Toyota RAV4, average insurance prices range from $1,468 to $1,830 per year, while the 2023 Subaru Crosstrek ranges from $1,262 to $1,462.
• The average monthly car insurance price for the Toyota RAV4 is 19.4% more than the Subaru Crosstrek at $136 versus $112, a difference of $24.
• Out of 47 models in the small SUV segment in 2023, the Toyota RAV4 ranks 29th.^miand the Subaru Crosstrek ranks second for the most affordable car insurance rates.

Is it cheaper to insure a Toyota RAV4 or Subaru Crosstrek?

The average insurance prices for the 2023 Toyota RAV4 is $1,634 per year, while the 2023 Subaru Crosstrek averages $1,346 per year, making the Subaru Crosstrek less expensive insurance.

For the 2023 Toyota RAV4, insurance prices range from a low price of $1,468 per year for the LE 2WD model at $27,575 to a top price of $1,830 for the Prime XSE AWD trim at $45,460.

For the 2023 Subaru Crosstrek, insurance rates can range from $1,262 per person 12 months for the base AWD model to $1,462 for the most expensive Plug-in Hybrid AWD trim level to be covered.

Comparing the trim levels of both models, the cheapest model and trim level is the Subaru Crosstrek Base AWD with an average price of $1,262 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at $1,830 per year.

For the 2023 Toyota RAV4, the cheapest models are LE 2WD, LE AWD and XLE 2WD. The cheapest Subaru Crosstrek models are Base AWD, Premium AWD and Sport AWD.

On a monthly basis, auto insurance rates for all models and versions of the 2023 Toyota RAV4 and Subaru Crosstrek range from $105 to $153 per month. month.

The table below compares and ranks car insurance costs for the 2023 Toyota RAV4 and Subaru Crosstrek with average costs for each trim level.

The chart below shows the average cost of insurance for both 2023 models, assessed for drivers between the ages of 20 and 50. For a 2023 Toyota RAV4, the average car insurance cost is $1,490 to $3,252 per year. 2023 Subaru Crosstrek insurance costs between $1,230 and $2,686 per year.

Of the 19 Toyota RAV4 trims, the cheapest 2023 model to insure is the LE 2WD with an average price of $1,468 per year.

The 2023 Subaru Crosstrek has five trim levels available, with the cheapest model to insure being the Base AWD model at an average price of $1,262 per vehicle. year or $105 a month.

Comparing the prices of the 24 trim levels of both 2023 models, the least expensive model and trim level to insure is the Subaru Crosstrek Base AWD with an average price of $1,262 per vehicle. year. The most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD, which costs an average of $1,830 per year.

The two tables below show the expected annual car insurance costs by trim level for both 2023 models and the average price for each model. The 2023 Subaru Crosstrek is the winner of the 2023 Toyota RAV4 for lowest overall car insurance price.

2022 Toyota RAV4 vs. Subaru Crosstrek

The 2022 Toyota RAV4 averages $1,562 per year and the Subaru Crosstrek averages $1,328 per year, making the Subaru Crosstrek the cheaper of the two to insure.

However, within each model, prices vary greatly depending on the vehicle's trim level. For the 2022 Toyota RAV4, prices range from $1,446 per year for the LE 2WD model to $1,686 for the Prime XSE AWD model. For the 2022 Subaru Crosstrek, prices can range from $1,232 per year for the AWD model to $1,434 for the Plug-in Hybrid AWD model.

Comparing the two models, the cheapest trim level is the Subaru Crosstrek AWD at an average of $1,232 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at $1,686 per year.

For the 2022 Toyota RAV4, the cheapest models are LE 2WD, LE AWD and XLE 2WD. The cheapest Subaru Crosstrek models are AWD, Premium AWD and Sport AWD. Insurance prices for all trim levels of the 2022 Toyota RAV4 and Subaru Crosstrek range from $103 to $141 each. month.

The table below compares and ranks 12-month and monthly car insurance costs for the 2022 Toyota RAV4 and Subaru Crosstrek with the average cost by trim level for each model.

The chart below shows the average cost of insurance for two models for different age groups of drivers. Average car insurance costs range from $1,426 to $3,114 per year for a 2022 Toyota RAV4 and $1,214 to $2,648 for a 2022 Subaru Crosstrek.

Of the 18 trim levels of the 2022 Toyota RAV4, the cheapest insurance rates are for the LE 2WD version at $1,446 each. year or $121 per month. Of the five trims available for the Subaru Crosstrek, the least expensive 2022 model to insure is the $1,232 AWD model.

Comparing the prices of all 23 trim levels of both vehicles, the least expensive model and trim to insure is the Subaru Crosstrek AWD at $1,232 per year. The most expensive trim is the Toyota RAV4 Prime XSE AWD at an average price of $1,686 per year.

The tables below illustrate the cost of securing available trim levels for both 2022 models, including the total average cost for each model.

2021 Toyota RAV4 vs. Subaru Crosstrek

Comparing average insurance prices for 2021 models, the Toyota RAV4 averages $1,568 per year and the Subaru Crosstrek costs $1,450, making the Subaru Crosstrek cheaper to insure at $118 per year.

The chart below shows the average cost of insurance for two models with different driver ages. The average car insurance cost ranges from $1,426 to $3,114 per year for the 2021 Toyota RAV4 and $1,326 to $2,908 for the 2021 Subaru Crosstrek for sample age groups.

Of the 12 trim levels of the Toyota RAV4, the least expensive trim level for 2021 is the LE 2WD model with an average price of $1,436 each. year or $120 a month. Of the four trim levels available for the Subaru Crosstrek, the least expensive 2021 trim to insure is the AWD model for $1,342 per year, or about $112 per vehicle. month.

Comparing the prices of the 16 trim levels for both 2021 models, overall the cheapest vehicle to insure is the Subaru Crosstrek AWD with an average cost of $1,342 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $1,666 per year.

The tables below show the average cost of insurance for all trim levels for 2021 along with the average price of each model. The cheapest insurance for the 2021 model year is the Subaru Crosstrek.

2020 Toyota RAV4 vs. Subaru Crosstrek

Comparing insurance prices for 2020 models, the Toyota RAV4 averages $1,546 per year and the Subaru Crosstrek costs $1,432, making the Subaru Crosstrek cheaper to insure at $114 per year in 2020.

The chart below shows the average cost of insurance for both models, suitable for different age groups of drivers. For the 2020 Toyota RAV4, the average car insurance cost ranges from $1,410 to $3,076 per year for the ages shown. 2020 Subaru Crosstrek insurance costs between $1,308 and $2,872 per year.

Of the 12 trim levels available for the 2020 Toyota RAV4, the LE 2WD is the least expensive trim level to insure with an average price of $1,418 per vehicle. year.

With four trim levels available for the Subaru Crosstrek, the least expensive 2020 equipment to insure is the AWD model for $1,324 per year, or approximately $110 per vehicle. month.

When all 16 trim levels from both models are combined and compared, the Subaru Crosstrek AWD is the cheapest trim to insure at an average price of $1,324 per vehicle. year. Overall, the most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at $1,642 per year.

The following two tables illustrate both 2020 models and all trim levels available for each model, including the average price of each model. The winner of the car insurance comparison 2020 is the Subaru Crosstrek.

2019 Toyota RAV4 vs. Subaru Crosstrek

When comparing insurance costs for 2019 models, the Toyota RAV4 averages $1,460 per year and the Subaru Crosstrek costs $1,232, making the Subaru Crosstrek the winner by $228 this comparative year.

The chart below shows the average cost of insurance for both 2019 models for four different age groups of drivers. Average car insurance costs range from $1,330 to $2,898 per year for the 2019 Toyota RAV4 and $1,126 to $2,452 for the 2019 Subaru Crosstrek for the age groups included.

Of the 13 Toyota RAV4 trims, the least expensive trim level for 2019 is the LE 2WD trim level at an average price of $1,356 each. year or $113 a month. The 2019 Subaru Crosstrek has three trim levels available, with the least expensive model to insure is the 2 AWD version at an average price of $1,156 per vehicle. per year, or about $96 a month.

Comparing the trim levels of both models, the least expensive model and trim level to insure is the Subaru Crosstrek 2 AWD with an average price of $1,156 per vehicle. year, with the most expensive model and trim level being the mid-priced Toyota RAV4 Limited 4WD. $1,156 per year. $1,538 per year.

The rate tables below illustrate the average insurance costs for both 2019 models, including the average price for each model.

2018 model year insurance cost comparison

Comparing insurance rates for 2018 models, the Toyota RAV4 averages $1,412 per year and the Subaru Crosstrek costs $1,162, making the Subaru Crosstrek cheaper to insure at $250 per year.

The chart below shows the average cost of insurance for both models at different driver ages. For the 2018 Toyota RAV4, insurance costs range from $1,290 to $2,810 per year for the age groups included in the table. 2018 Subaru Crosstrek insurance costs between $1,064 and $2,318 per year.

Of the 16 trim levels of the 2018 Toyota RAV4, the cheapest car insurance rates are for the LE 2WD version at $1,324 per vehicle. per year, or about $110 a month.

Of the three trim levels available for the Subaru Crosstrek, the cheapest 2018 trim level is the Secure Model 2 AWD for $1,102 per year or $92 per year. month.

When all 19 versions of both models are combined and compared, the Subaru Crosstrek 2 AWD is the least expensive vehicle to insure, with an average cost of $1,102 per year. The most expensive model and trim level is the Toyota RAV4 Platinum 4WD at $1,544/year.

The two tables below show the average car insurance prices for each trim level for both 2018 models and the average price for each model.

Toyota RAV4 2017 vs. Subaru Crosstrek

Comparing insurance rates for the 2017 Toyota RAV4 and Subaru Crosstrek, the Subaru Crosstrek is on average $240 less per year to insure.

The chart below shows the average cost of insurance for both 2017 models, suitable for drivers between the ages of 20 and 50. Average car insurance costs range from $1,262 to $2,746 per year for a 2017 Toyota RAV4 and $1,044 to $2,278 for a 2017 Subaru Crosstrek for drivers of this age.

Of the 12 Toyota RAV4 trims, the cheapest trim for 2017 is the LE 2WD trim with an average price of $1,282 per vehicle. year. Of the eight trim levels available for the Subaru Crosstrek, the least expensive 2017 trim to insure is the Model 2 AWD at $1,064.

When all 20 trims from both models are combined and compared, the cheapest model and trim to insure is the Subaru Crosstrek 2 AWD at an average price of $1,064 per year. The most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD which costs $1,488/year.

The rate tables below show the expected annual cost of car insurance by trim level for both 2017 models, plus the average rate for each model. The cheapest insurance for the 2017 model year is the Subaru Crosstrek.

Toyota RAV4 2016 vs. Subaru Crosstrek

For the 2016 Toyota RAV4 and Subaru Crosstrek, the Subaru Crosstrek has cheaper car insurance, averaging $244 per year.

The chart below shows the average cost of insurance for both 2016 models with drivers aged between 20 and 50. For the 2016 Toyota RAV4, average car insurance costs range from $1,208 to $2,624 per year, based on the age of the driver. 2016 Subaru Crosstrek insurance costs between $984 and $2,136 per year.

The 2016 Toyota RAV4 has 10 trims available, with the least expensive trim level to secure being the LE 2WD at an average price of $1,248 per vehicle. per year, or about $104 per month.

The 2016 Subaru Crosstrek has eight trim levels available, with the least expensive insurance being the 2 AWD version at an average price of $946 per vehicle. a year or $79 a month.

When comparing prices for all 18 trim levels for both vehicles, the cheapest vehicle to insure is the Subaru Crosstrek 2 AWD with an average price of $946 per vehicle. year, with the most expensive model and trim level being the Toyota RAV4 Hybrid Limited AWD at cost. $1,400 a year.

The two tables below show the expected annual car insurance costs by trim level for both 2016 models, including the overall average rate. The 2016 Subaru Crosstrek beats the 2016 Toyota RAV4 for the lowest total car insurance cost.

Additional resources for Toyota RAV4 and Subaru Crosstrek

• Toyota RAV4 insurance prices
• Subaru Crosstrek insurance prices
• Comparison of insurance prices for a small SUV