Toyota Rav4 insurance costs average $92 per month for minimum coverage and $178 monthly for full coverage. Depending on your particular trim and model year, costs can range from $64 to $249 monthly.
Toyota RAV4 Insurance Cost
Updated: November 15, 2025
Key Takeaways
Toyota RAV4 insurance costs range from $89 to $249 monthly, with rates varying based on your chosen trim level and model year.
The RAV4 ranks 400th out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
GEICO provides the most affordable Toyota RAV4 coverage at $130 monthly for full protection, while minimum coverage starts at just $60 per month.
How Much Is Toyota RAV4 Insurance?
| Toyota Rav4 | $92 | $178 |
Toyota RAV4 Insurance Cost by Model Year
Your RAV4's model year and available trims affect insurance rates, with newer vehicles costing more due to higher fair value. Monthly premiums for Toyota RAV4s range from $70 for older models to $211 for the newest year.
| 2025 | $109 | $211 |
| 2024 | $102 | $197 |
| 2023 | $100 | $194 |
| 2022 | $93 | $181 |
| 2021 | $85 | $165 |
| 2020 | $78 | $152 |
| 2019 | $89 | $172 |
| 2018 | $97 | $188 |
| 2017 | $98 | $190 |
| 2016 | $94 | $181 |
| 2015 | $81 | $157 |
| 2014 | $80 | $155 |
| 2013 | $100 | $194 |
| 2012 | $96 | $187 |
| 2011 | $87 | $168 |
| 2010 | $80 | $155 |
| 2009 | $73 | $141 |
| 2008 | $89 | $173 |
| 2007 | $77 | $148 |
| 2006 | $70 | $135 |
| 2005 | $77 | $148 |
| 2004 | $93 | $178 |
| 2003 | $90 | $172 |
| 2002 | $84 | $161 |
| 2001 | $75 | $144 |
| 2000 | $70 | $134 |
Toyota RAV4 Insurance Cost by Trim
Your Toyota RAV4's trim impacts insurance rates based on features, market value, and desirability. Monthly premiums vary widely across trim levels, ranging from $80 for basic models to $237 for premium trims according to our research.
| Sport Suv 4d | $80 | $154 |
| Sport Utility 4d | $80 | $154 |
| "Sport" Sport Utility 4d | $84 | $163 |
| Le Sport Utility 4d | $86 | $167 |
| Xle Sport Utility 4d | $88 | $171 |
| Xle Premium Sport Utility 4d | $89 | $172 |
| Adventure Sport Utility 4d | $89 | $173 |
| Le | $91 | $175 |
| Limited Sport Utility 4d | $91 | $176 |
| Xle Hybrid Sport Utility 4d | $94 | $181 |
| Platinum Sport Utility 4d | $94 | $181 |
| Xle | $95 | $184 |
| Xse Sport Utility 4d | $96 | $186 |
| Se Sport Utility 4d | $97 | $187 |
| Ev Sport Utility 4d | $97 | $189 |
| Le Plus Sport Utility 4d | $98 | $189 |
| Trd Off-Road Sport Utility 4d | $100 | $194 |
| Adventure | $102 | $197 |
| Xle Premium | $103 | $200 |
| Woodland Edition Sport Utility 4d | $105 | $202 |
| Limited Hybrid Sport Utility 4d | $105 | $202 |
| Woodland Edition | $105 | $203 |
| Trd Off-Road | $112 | $216 |
| Se | $113 | $218 |
| Limited | $114 | $221 |
| Xse | $122 | $237 |
Toyota RAV4 Insurance Cost by Company
Toyota RAV4 insurance costs vary by provider from $95 to $232 monthly. Minimum coverage ranges from $60 to $153, while full coverage costs $130 to $331. Rates vary due to different risk assessment models.
| GEICO | $60 | $130 |
| Travelers | $81 | $148 |
| State Farm | $86 | $178 |
| Progressive | $89 | $166 |
| Kemper | $94 | $191 |
| Nationwide | $101 | $175 |
| AAA | $105 | $219 |
| The Hartford | $106 | $181 |
| Amica | $114 | $233 |
| Allstate | $116 | $224 |
| Chubb | $123 | $245 |
| AIG | $133 | $331 |
| Farmers | $143 | $253 |
| UAIC | $153 | $192 |
Toyota RAV4 Insurance Cost by State
Toyota RAV4 insurance costs vary by location, ranging from $32 monthly in Wyoming to $384 in Louisiana.
| Alabama | $79 | $149 |
| Alaska | $64 | $135 |
| Arizona | $111 | $207 |
| Arkansas | $76 | $169 |
| California | $89 | $180 |
| Colorado | $88 | $210 |
| Connecticut | $125 | $216 |
| Delaware | $128 | $215 |
| District Of Columbia | $95 | $176 |
| Florida | $122 | $284 |
| Georgia | $132 | $218 |
| Hawaii | $49 | $110 |
| Idaho | $50 | $102 |
| Illinois | $84 | $157 |
| Indiana | $60 | $118 |
| Iowa | $51 | $124 |
| Kansas | $67 | $155 |
| Kentucky | $112 | $191 |
| Louisiana | $180 | $384 |
| Maine | $48 | $99 |
| Maryland | $140 | $236 |
| Massachusetts | $92 | $195 |
| Michigan | $147 | $281 |
| Minnesota | $77 | $159 |
| Mississippi | $81 | $160 |
| Missouri | $109 | $217 |
| Montana | $65 | $155 |
| Nebraska | $68 | $155 |
| Nevada | $163 | $295 |
| New Hampshire | $64 | $113 |
| New Jersey | $152 | $249 |
| New Mexico | $74 | $166 |
| New York | $117 | $209 |
| North Carolina | $75 | $147 |
| North Dakota | $56 | $123 |
| Ohio | $69 | $134 |
| Oklahoma | $85 | $189 |
| Oregon | $111 | $193 |
| Pennsylvania | $80 | $187 |
| Rhode Island | $113 | $201 |
| South Carolina | $92 | $172 |
| South Dakota | $50 | $151 |
| Tennessee | $71 | $143 |
| Texas | $113 | $233 |
| Utah | $99 | $169 |
| Vermont | $42 | $100 |
| Virginia | $86 | $140 |
| Washington | $83 | $154 |
| West Virginia | $78 | $159 |
| Wisconsin | $59 | $131 |
| Wyoming | $32 | $100 |
Toyota RAV4 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, affects Toyota Rav4 insurance costs. Young drivers under 25 pay the steepest rates at $343 monthly, while adult drivers between 26-64 enjoy the most affordable coverage at just $135 per month with clean driving records.
| Adult Drivers | $92 | $178 |
| Young Drivers | $236 | $451 |
| Senior Drivers | $123 | $226 |
| Drivers With a Speeding Ticket | $115 | $224 |
| Drivers With an Accident | $136 | $261 |
| Drivers With a DUI | $170 | $324 |
| Drivers With Bad Credit | $219 | $440 |
Is a Toyota RAV4 Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Toyota RAV4 ranks 400th out of 827, making it about average in costs. Among compact crossover SUVs, the model falls in the top half for expensive car insurance.
| Saturn Vue | $61 | $118 |
| Chevrolet Captiva | $72 | $139 |
| Toyota Matrix | $75 | $144 |
| Ford Escape | $76 | $147 |
| Honda Element | $76 | $147 |
| Vinfast VF-7 | $75 | $147 |
| Jeep Patriot | $82 | $158 |
| Mitsubishi Eclipse Cross | $82 | $160 |
| Subaru Crosstrek | $83 | $162 |
| Volkswagen Tiguan | $84 | $162 |
| Gmc Terrain | $85 | $163 |
| Subaru Forester | $85 | $164 |
| Hyundai NEXO | $88 | $170 |
| Honda HR-V | $89 | $171 |
| Hyundai Ioniq 5 | $90 | $177 |
| Kia Sportage | $91 | $176 |
| Mazda CX-5 | $91 | $177 |
| Toyota RAV4 | $92 | $178 |
| Hyundai Ioniq Hybrid | $92 | $178 |
| Honda CR-V | $92 | $178 |
| Toyota bZ4X | $94 | $183 |
| Mitsubishi Outlander | $98 | $190 |
| Mazda CX-50 | $101 | $197 |
| Chevrolet Trax | $102 | $197 |
| Hyundai Ioniq Electric | $104 | $201 |
| Dodge Hornet | $116 | $226 |
| Toyota Corolla Cross | $120 | $231 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect what you'll pay for Toyota Rav4 insurance coverage:
- Age (median 57): Middle-aged drivers receive lower rates than younger buyers due to experience and lower accident frequency.
- Gender (56% female): Female ownership exceeds the 50% compact SUV segment average, correlating with lower risk-taking behaviors.
- Income ($86,818 median): Stable income profiles reduce lapse risk, though wealth enables higher coverage selections that increase premiums.
Average Repair or Replacement Costs
Toyota ranks first in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota RAV4 repair costs average $666 annually, making it one of Toyota's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The RAV4's standard 203-horsepower 2.5-liter engine with an eight-speed automatic transmission provides moderate performance, helping keep insurance costs reasonable. Higher trim levels like XLE Premium and Limited include premium features that increase repair costs and premiums.
Advanced safety features standard across all trims (Toyota Safety Sense 2.5) can qualify for discounts, but luxury appointments like the 19-inch wheels, JBL premium audio and SofTex seating in upper trims cost more to repair or replace, leading to higher comprehensive and collision coverage rates.
Fuel Type
RAV4 offers three powertrain options: gas (203 hp), hybrid (219 hp), and plug-in hybrid (302 hp). The hybrid and PHEV variants typically cost more to insure due to expensive battery systems and specialized repair requirements.
The gas model achieves 30 mpg combined, while the hybrid delivers 39 mpg combined and the PHEV offers 42 miles of electric range. Hybrid components require trained technicians and costly parts, which insurers factor into comprehensive and collision premiums.
Location
The RAV4 is popular nationwide as America's best-selling SUV, with strong sales across all regions, including high-cost areas like California and the Northeast.
Urban areas with higher theft rates, accident frequency and repair costs see elevated premiums. The RAV4's popularity means parts availability is generally good nationwide, but labor costs and state regulations drive regional rate differences of up to 400% between markets.
Driver Profile
Most Toyota RAV4 drivers are middle-aged professionals (median age 57) with household incomes of $86,818. This demographic receives favorable rates due to driving experience and financial stability, though RAV4 owners are less affluent than the compact SUV segment average of $92,841.
Driver demographics affect RAV4 rates:
How to Lower the Cost of Toyota RAV4 Insurance
Below, we break down the top Toyota RAV4 car insurance discounts available:
- 1Choose the right coverage
How much coverage you should buy for your Toyota comes down to what the car is worth, how often you drive and what you can realistically afford. You can stick with state minimum liability and a $1,000 deductible or choose 100/300/100 with a $500 deductible, and lenders may require gap insurance if the vehicle is financed or leased.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Toyota Rav4, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
RAV4 owners can lower their premiums by tapping into discounts tied to multi-vehicle households, bundled policies, clean driving records, strong Toyota Safety Sense tech and family-based perks. Because many RAV4 drivers are middle-aged homeowners with multiple cars and safety-focused habits, these savings stack easily and make coverage more affordable.
- 5Consider alternative car insurance types
Toyota RAV4 owners should consider Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Toyota RAV4 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Toyota RAV4 Insurance Cost: Bottom Line
Insuring a Toyota RAV4 costs about average, but you can still find cheaper rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota RAV4 Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Rav4.
What is the average cost of car insurance for a Toyota Rav4?
The Toyota Rav4's average annual insurance cost is $1,106 for state minimum and $2,140 for full coverage.
What company has the cheapest car insurance for a Toyota Rav4?
RAV4 drivers can secure the cheapest full coverage car insurance from GEICO, with average monthly premiums of $130. For minimum coverage, GEICO also offers the most affordable option at $60 monthly for RAV4 owners.
Are Toyota Rav4s expensive to insure?
Toyota Rav4 insurance costs are average compared to other cars. Out of 827 vehicles we track, the RAV4 ranks 400th for affordability. Among compact crossover SUVs, this model sits above average for car insurance expenses.
What factors affect insurance costs for Toyota Rav4s?
Several things drive up your Toyota Rav4 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks will cost more for car insurance.
How can I lower Toyota Rav4 insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota RAV4 Insurance Costs
Toyota RAV4 owners need accurate insurance cost estimates before buying or budgeting for this popular SUV. We built this analysis to show you what you'll actually pay based on your RAV4's model year, your coverage choices, and your driving profile.
We analyzed hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025, ensuring our data reflects real-world pricing for every RAV4 generation from older models to the latest releases.
Our baseline driver profile:
We used a 40-year-old unmarried male with a clean record—no tickets or crashes—and a credit score in the good range. This driver has never filed an insurance claim, logs about 12,000 miles annually, and holds a valid license with no suspensions. This profile represents a typical RAV4 owner and provides a reliable baseline for comparing costs across model years and coverage levels.
Coverage levels we compared:
We analyzed two coverage scenarios:
- Minimum Coverage: State-required liability limits that satisfy legal requirements but provide minimal financial protection
- Full Coverage: 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles, which protects both your financial liability and your RAV4 itself
Why this methodology works: RAV4 insurance costs vary by model year because newer vehicles cost more to repair or replace, while older models have lower values that reduce comprehensive and collision premiums. Our extensive dataset across 25 years of RAV4 models shows you exactly how your specific vehicle's age affects what you'll pay.
This approach prioritizes real-world accuracy. Whether you're shopping for a 2010 RAV4 or a 2025 model, our data shows what drivers like you actually pay for coverage, helping you budget accurately and compare total ownership costs before you buy.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.