Insurance premiums for a Toyota RAV4 average $178 monthly for full coverage and $92 for minimum coverage. Costs can range from $70 to $237 monthly depending on your particular trim and model year.
Toyota RAV4 Insurance Cost
Updated: January 28, 2026
Key Takeaways
GEICO offers the most affordable Toyota RAV4 insurance on average, though full coverage costs around $178 monthly and varies based on your model year and chosen insurer. Read more
The RAV4 ranks 100th out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs. But SUVs cost more to insure than other vehicle types due to increased repair costs and accident risks. Read more
Your RAV4's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific RAV4 model years, depending on the age of the drivers
How Much Is Toyota RAV4 Insurance?
| Toyota Rav4 | $92 | $178 |
Looking for another Toyota model? Read more about the cost of Toyota car insurance models. Monthly premiums for Toyota RAV4 insurance range from $70 for older models to $211 for the newest ones. Model year greatly affects your car insurance costs, and the Toyota RAV4 is no exception since newer vehicles have higher fair market values.
Insurance costs for a Toyota RAV4 depend on model year and company. Full coverage goes from $130 monthly with GEICO to $331 with AIG, while minimum coverage spans $60 with GEICO to $153 with UAIC.
Toyota RAV4 owners should shop between insurers because minimum coverage varies by over $93 and full coverage by over $201. Each company calculates risk differently for the RAV4, affecting your final quote.
| AAA | $105 | $219 |
| AIG | $133 | $331 |
| Allstate | $116 | $224 |
| Amica | $114 | $233 |
| Chubb | $123 | $245 |
| Farmers | $143 | $253 |
| Geico | $60 | $130 |
| Kemper | $94 | $191 |
| Nationwide | $101 | $175 |
| Progressive | $89 | $166 |
| State Farm | $86 | $178 |
| The Hartford | $106 | $181 |
| Travelers | $81 | $148 |
| UAIC | $153 | $192 |
Is Toyota RAV4 Expensive to Insure?
MoneyGeek compared Toyota RAV4 insurance costs to 256 other SUVs in our database and found it ranks 100th for affordability, meaning 99 models cost less to insure. It's a few dollars per month more expensive than a Hyundai Venue but slightly cheaper than a Honda CR-V, positioning it squarely in the middle among SUVs.
While that's middle-tier for SUVs, the RAV4 actually sits at 400th out of 827 total vehicles, placing it in the top half for affordability overall. The cheapest SUV to insure is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums in this category.
| Mazda CX-5 | $134 | 97 |
| Hyundai Ioniq Hybrid | $135 | 98 |
| Hyundai Venue | $135 | 99 |
| Honda CR-V | $135 | 100 |
| Toyota RAV4 | $135 | 100 |
| Kia Sorrento | $135 | 101 |
| Lincoln Navigator | $135 | 102 |
| Toyota Venza | $135 | 102 |
| Infiniti QX50 | $135 | 102 |
| Acura ADX | $136 | 103 |
Several factors affect what you'll pay for Toyota RAV4 insurance:
- Average Repair or Replacement Costs: Toyota RAV4 repair costs average $666 annually, ranking as Toyota's 9th most affordable model to maintain out of 32. This relatively low maintenance expense helps keep insurance premiums more reasonable compared to costlier Toyota models.
- Vehicle Trim, Features and Accessories: Higher trims with enhanced performance capabilities cost more to insure. The RAV4's horsepower ranges from 203 to 302 in hybrid models, and insurers charge higher premiums for vehicles with greater performance potential and advanced features.
- Driver Profile: Most Toyota RAV4 drivers fall within the 40 to 50 age range, which generally results in lower insurance rates due to responsible driving habits. However, the RAV4's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Toyota RAV4s for young drivers.
Toyota RAV4 Costs by Model Year and Driver Age by Insurance Company
A 2016 Toyota RAV4 costs an average of $201 monthly for full coverage insurance compared to $241 for a 2025 model, showing how newer vehicles command higher premiums for drivers aged 35 to 55. Your model year impacts insurance costs, and younger drivers in their teens and early twenties face even steeper rates across all RAV4 years.
GEICO consistently offers the cheapest rates across all Toyota RAV4 model years and could save you hundreds of dollars monthly compared to average costs.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota RAV4
| Geico | $72 | $155 |
| National General | $88 | $181 |
| Travelers | $95 | $173 |
| State Farm | $100 | $206 |
| Progressive | $104 | $195 |
| Nationwide | $110 | $191 |
| Kemper | $115 | $232 |
| AAA | $127 | $264 |
| Allstate | $132 | $256 |
| Amica | $135 | $276 |
| The Hartford | $138 | $235 |
| Chubb | $154 | $304 |
| AIG | $161 | $403 |
| Farmers | $179 | $316 |
| UAIC | $184 | $231 |
2025 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $773 | $680 | $603 | $520 | $459 | $390 | $355 | $317 | $290 | $255 |
| Nationwide | $865 | $792 | $729 | $618 | $522 | $339 | $314 | $293 | $277 | $248 |
| Geico | $881 | $641 | $539 | $390 | $336 | $271 | $250 | $207 | $196 | $178 |
| Travelers | $1,053 | $752 | $593 | $456 | $401 | $296 | $270 | $249 | $230 | $199 |
| Allstate | $1,218 | $954 | $770 | $569 | $510 | $397 | $360 | $341 | $321 | $284 |
| Progressive | $1,418 | $1,145 | $950 | $528 | $461 | $372 | $331 | $295 | $272 | $233 |
| Farmers | $1,976 | $1,465 | $1,303 | $808 | $762 | $580 | $518 | $495 | $470 | $395 |
Cost of Car Insurance for 2024 Toyota RAV4
| Geico | $67 | $145 |
| National General | $82 | $168 |
| Travelers | $88 | $162 |
| State Farm | $93 | $192 |
| Progressive | $97 | $181 |
| Nationwide | $103 | $178 |
| Kemper | $107 | $216 |
| AAA | $118 | $246 |
| Allstate | $123 | $238 |
| Amica | $126 | $257 |
| The Hartford | $129 | $219 |
| Chubb | $144 | $283 |
| AIG | $150 | $375 |
| Farmers | $167 | $294 |
| UAIC | $171 | $215 |
2024 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $720 | $634 | $561 | $484 | $428 | $363 | $330 | $295 | $270 | $238 |
| Nationwide | $806 | $737 | $679 | $576 | $486 | $316 | $293 | $273 | $258 | $231 |
| Geico | $820 | $597 | $501 | $363 | $313 | $253 | $233 | $193 | $182 | $166 |
| Travelers | $980 | $701 | $552 | $424 | $374 | $276 | $251 | $232 | $214 | $186 |
| Allstate | $1,134 | $888 | $717 | $530 | $475 | $370 | $336 | $317 | $299 | $265 |
| Progressive | $1,320 | $1,066 | $885 | $492 | $429 | $346 | $309 | $275 | $253 | $217 |
| Farmers | $1,840 | $1,364 | $1,214 | $752 | $710 | $541 | $482 | $461 | $438 | $368 |
Cost of Car Insurance for 2023 Toyota RAV4
| Geico | $66 | $143 |
| National General | $81 | $166 |
| Travelers | $87 | $159 |
| State Farm | $91 | $189 |
| Progressive | $96 | $179 |
| Nationwide | $101 | $175 |
| Kemper | $106 | $213 |
| AAA | $117 | $242 |
| Allstate | $122 | $235 |
| Amica | $124 | $254 |
| The Hartford | $127 | $216 |
| Chubb | $142 | $280 |
| AIG | $148 | $370 |
| Farmers | $164 | $290 |
| UAIC | $169 | $212 |
2023 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $711 | $625 | $554 | $478 | $422 | $359 | $326 | $291 | $266 | $234 |
| Nationwide | $795 | $727 | $670 | $568 | $480 | $311 | $289 | $269 | $255 | $228 |
| Geico | $809 | $589 | $495 | $359 | $309 | $249 | $230 | $190 | $180 | $164 |
| Travelers | $968 | $691 | $545 | $419 | $369 | $272 | $248 | $229 | $211 | $183 |
| Allstate | $1,120 | $877 | $707 | $523 | $468 | $365 | $331 | $313 | $295 | $261 |
| Progressive | $1,303 | $1,052 | $873 | $485 | $423 | $342 | $305 | $271 | $250 | $214 |
| Farmers | $1,816 | $1,346 | $1,198 | $742 | $701 | $534 | $476 | $455 | $432 | $363 |
Cost of Car Insurance for 2022 Toyota RAV4
| Geico | $61 | $133 |
| National General | $75 | $155 |
| Travelers | $81 | $148 |
| State Farm | $85 | $176 |
| Progressive | $89 | $167 |
| Nationwide | $94 | $163 |
| Kemper | $98 | $199 |
| AAA | $109 | $226 |
| Allstate | $113 | $219 |
| Amica | $116 | $237 |
| The Hartford | $118 | $202 |
| Chubb | $132 | $261 |
| AIG | $138 | $345 |
| Farmers | $153 | $271 |
| UAIC | $158 | $198 |
2022 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $662 | $583 | $516 | $445 | $393 | $334 | $304 | $271 | $248 | $218 |
| Nationwide | $741 | $678 | $624 | $529 | $447 | $290 | $269 | $251 | $237 | $212 |
| Geico | $754 | $549 | $461 | $334 | $288 | $232 | $214 | $177 | $168 | $152 |
| Travelers | $901 | $644 | $508 | $390 | $343 | $253 | $231 | $213 | $197 | $171 |
| Allstate | $1,043 | $817 | $659 | $487 | $436 | $340 | $309 | $292 | $275 | $243 |
| Progressive | $1,214 | $980 | $813 | $452 | $394 | $318 | $284 | $253 | $233 | $200 |
| Farmers | $1,692 | $1,254 | $1,116 | $692 | $653 | $497 | $443 | $424 | $403 | $338 |
Cost of Car Insurance for 2021 Toyota RAV4
| Geico | $56 | $121 |
| National General | $69 | $141 |
| Travelers | $74 | $135 |
| State Farm | $78 | $161 |
| Progressive | $81 | $152 |
| Nationwide | $86 | $149 |
| Kemper | $90 | $181 |
| AAA | $99 | $206 |
| Allstate | $103 | $199 |
| Amica | $105 | $216 |
| The Hartford | $108 | $184 |
| Chubb | $120 | $237 |
| AIG | $125 | $314 |
| Farmers | $139 | $246 |
| UAIC | $143 | $180 |
2021 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $603 | $531 | $470 | $405 | $358 | $304 | $277 | $247 | $226 | $199 |
| Nationwide | $675 | $617 | $568 | $482 | $407 | $264 | $245 | $228 | $216 | $193 |
| Geico | $687 | $500 | $420 | $304 | $262 | $212 | $195 | $161 | $153 | $139 |
| Travelers | $821 | $587 | $462 | $355 | $313 | $231 | $210 | $194 | $179 | $155 |
| Allstate | $950 | $744 | $600 | $444 | $397 | $310 | $281 | $266 | $250 | $221 |
| Progressive | $1,105 | $893 | $741 | $412 | $359 | $290 | $258 | $230 | $212 | $182 |
| Farmers | $1,541 | $1,142 | $1,016 | $630 | $594 | $453 | $404 | $386 | $367 | $308 |
Cost of Car Insurance for 2020 Toyota RAV4
| Geico | $52 | $111 |
| National General | $63 | $130 |
| Travelers | $68 | $124 |
| State Farm | $71 | $148 |
| Progressive | $75 | $140 |
| Nationwide | $79 | $137 |
| Kemper | $82 | $166 |
| AAA | $91 | $189 |
| Allstate | $95 | $183 |
| Amica | $97 | $198 |
| The Hartford | $99 | $169 |
| Chubb | $111 | $218 |
| AIG | $115 | $289 |
| Farmers | $128 | $227 |
| UAIC | $132 | $166 |
2020 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $555 | $488 | $432 | $373 | $329 | $280 | $255 | $227 | $208 | $183 |
| Nationwide | $621 | $568 | $523 | $444 | $375 | $243 | $225 | $210 | $199 | $178 |
| Geico | $632 | $460 | $386 | $280 | $241 | $195 | $179 | $148 | $140 | $128 |
| Travelers | $755 | $540 | $425 | $327 | $288 | $212 | $194 | $179 | $165 | $143 |
| Allstate | $874 | $684 | $552 | $408 | $365 | $285 | $259 | $244 | $230 | $204 |
| Progressive | $1,017 | $821 | $681 | $379 | $330 | $267 | $238 | $212 | $195 | $167 |
| Farmers | $1,417 | $1,051 | $935 | $579 | $547 | $416 | $371 | $355 | $337 | $283 |
Cost of Car Insurance for 2019 Toyota RAV4
| Geico | $58 | $126 |
| National General | $71 | $145 |
| Travelers | $76 | $141 |
| State Farm | $85 | $177 |
| Progressive | $86 | $161 |
| Kemper | $95 | $194 |
| Nationwide | $101 | $175 |
| The Hartford | $102 | $174 |
| AAA | $104 | $215 |
| Allstate | $106 | $204 |
| Amica | $112 | $229 |
| Chubb | $118 | $235 |
| AIG | $129 | $322 |
| UAIC | $141 | $177 |
| Farmers | $142 | $251 |
2019 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $665 | $585 | $518 | $447 | $395 | $335 | $305 | $272 | $249 | $219 |
| Geico | $711 | $519 | $436 | $316 | $272 | $220 | $203 | $168 | $159 | $144 |
| Nationwide | $794 | $727 | $669 | $568 | $480 | $311 | $288 | $269 | $254 | $227 |
| Travelers | $856 | $618 | $489 | $377 | $334 | $243 | $222 | $205 | $190 | $163 |
| Allstate | $975 | $765 | $615 | $453 | $406 | $317 | $288 | $272 | $256 | $227 |
| Progressive | $1,176 | $949 | $787 | $438 | $382 | $308 | $275 | $245 | $226 | $194 |
| Farmers | $1,573 | $1,165 | $1,036 | $642 | $605 | $460 | $410 | $392 | $373 | $313 |
Cost of Car Insurance for 2018 Toyota RAV4
| Geico | $58 | $127 |
| National General | $75 | $154 |
| Travelers | $88 | $163 |
| Progressive | $90 | $168 |
| Kemper | $95 | $194 |
| State Farm | $101 | $210 |
| The Hartford | $103 | $176 |
| AAA | $108 | $225 |
| Allstate | $118 | $228 |
| Nationwide | $119 | $205 |
| Amica | $119 | $244 |
| Chubb | $123 | $245 |
| AIG | $136 | $339 |
| UAIC | $143 | $178 |
| Farmers | $156 | $274 |
2018 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $717 | $523 | $439 | $318 | $274 | $221 | $204 | $169 | $160 | $145 |
| State Farm | $793 | $697 | $616 | $533 | $470 | $399 | $363 | $324 | $296 | $261 |
| Nationwide | $932 | $854 | $786 | $667 | $563 | $365 | $339 | $316 | $298 | $267 |
| Travelers | $983 | $709 | $561 | $432 | $382 | $280 | $256 | $236 | $218 | $188 |
| Allstate | $1,082 | $848 | $684 | $506 | $453 | $353 | $321 | $303 | $286 | $253 |
| Progressive | $1,224 | $987 | $818 | $455 | $397 | $321 | $286 | $255 | $235 | $201 |
| Farmers | $1,720 | $1,274 | $1,133 | $703 | $664 | $504 | $449 | $430 | $408 | $343 |
Cost of Car Insurance for 2017 Toyota RAV4
| Geico | $59 | $127 |
| National General | $75 | $153 |
| Travelers | $90 | $166 |
| Progressive | $91 | $171 |
| Kemper | $99 | $201 |
| State Farm | $102 | $212 |
| The Hartford | $104 | $178 |
| AAA | $109 | $226 |
| Amica | $119 | $244 |
| Allstate | $119 | $231 |
| Chubb | $122 | $243 |
| Nationwide | $124 | $214 |
| AIG | $136 | $340 |
| UAIC | $143 | $179 |
| Farmers | $156 | $274 |
2017 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $719 | $524 | $440 | $319 | $275 | $222 | $205 | $169 | $160 | $146 |
| State Farm | $798 | $702 | $620 | $536 | $473 | $402 | $365 | $326 | $298 | $262 |
| Nationwide | $972 | $891 | $820 | $696 | $588 | $381 | $353 | $329 | $311 | $278 |
| Travelers | $999 | $722 | $571 | $440 | $389 | $284 | $260 | $240 | $222 | $191 |
| Allstate | $1,097 | $860 | $694 | $513 | $459 | $358 | $325 | $308 | $290 | $256 |
| Progressive | $1,245 | $1,003 | $832 | $462 | $403 | $326 | $290 | $259 | $238 | $205 |
| Farmers | $1,717 | $1,272 | $1,132 | $702 | $663 | $504 | $449 | $429 | $408 | $343 |
Cost of Car Insurance for 2016 Toyota RAV4
| Geico | $55 | $120 |
| National General | $71 | $145 |
| Travelers | $85 | $156 |
| Progressive | $89 | $167 |
| Kemper | $95 | $192 |
| State Farm | $97 | $201 |
| The Hartford | $99 | $170 |
| AAA | $103 | $214 |
| Amica | $113 | $231 |
| Allstate | $113 | $220 |
| Chubb | $119 | $237 |
| Nationwide | $120 | $207 |
| AIG | $132 | $329 |
| UAIC | $138 | $173 |
| Farmers | $144 | $254 |
2016 Toyota RAV4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $680 | $496 | $416 | $302 | $260 | $210 | $193 | $160 | $152 | $138 |
| State Farm | $757 | $666 | $588 | $508 | $449 | $382 | $346 | $309 | $282 | $249 |
| Nationwide | $943 | $864 | $796 | $675 | $570 | $370 | $343 | $319 | $302 | $270 |
| Travelers | $946 | $679 | $535 | $412 | $363 | $267 | $244 | $225 | $207 | $180 |
| Allstate | $1,044 | $818 | $660 | $488 | $438 | $341 | $310 | $293 | $276 | $244 |
| Progressive | $1,217 | $981 | $813 | $451 | $394 | $318 | $284 | $253 | $233 | $200 |
| Farmers | $1,588 | $1,177 | $1,047 | $649 | $612 | $465 | $415 | $396 | $377 | $317 |
Toyota RAV4 Insurance Cost by Trim
Toyota RAV4 insurance costs range from $80 monthly for minimum coverage on Sport SUV 4d models to $237 for full coverage on XSE variants. Your trim's performance features and market value determine where you'll fall in this range.
| 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 State
Car insurance for a Toyota RAV4 costs anywhere from $32 per month in Wyoming to $180 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations create these differences, not the RAV4 itself.
| 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 |
How to Lower the Cost of Toyota RAV4 Insurance
We've compiled the most effective strategies to help you reduce Toyota RAV4 insurance premiums:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Toyota RAV4. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible if you're looking for comprehensive coverage. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact SUVs. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical pricing helps you spot genuine deals versus inflated quotes when comparing options.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Toyota RAV4 owners often get safety features discounts for automatic emergency braking, good driver discounts for clean records, multi-vehicle savings for insuring multiple cars and bundling discounts when combining auto and home policies. These savings can reduce your annual premiums.
- 5Consider alternative car insurance types
Toyota RAV4 owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These options track safe driving habits like smooth acceleration, gentle braking and avoiding late-night driving to deliver premium reductions. Low-mileage drivers often see the biggest savings from these programs.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Toyota RAV4 insurance. Set a calendar reminder to shop rates before your policy renewal to ensure you're getting the best available pricing.
Toyota RAV4 Insurance Cost: Bottom Line
Toyota RAV4 insurance costs average compared to other vehicles, but you can still find decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you secure better pricing for your RAV4.
Toyota RAV4 Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota RAV4?
Toyota RAV4 insurance costs $1,106 annually for minimum coverage and $2,140 for full coverage. This translates to monthly premiums of $92 and $178 respectively.
What company has the cheapest car insurance for a Toyota RAV4?
GEICO provides the most affordable auto insurance for Toyota RAV4 owners at $721 annually for minimum coverage. The company also offers the best value for full coverage at $1,560 per year.
Are Toyota RAV4s expensive to insure?
No, Toyota RAV4 insurance is not expensive compared to most vehicles. Among SUVs, this model places 100th out of 256 for affordability, while ranking 400th out of 827 vehicles overall.
What factors affect insurance costs for Toyota RAV4s?
Multiple factors affect Toyota RAV4 insurance costs. High theft rates for certain RAV4 models and moderate repair costs due to parts availability increase premiums. However, strong safety ratings help reduce liability insurance costs. Your driving record, credit score, and coverage choices also impact your rates.
How can I lower Toyota RAV4 insurance costs?
Compare quotes from multiple insurers since Toyota RAV4 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier, and maintain a clean driving record to secure better rates.
How We Determined Toyota RAV4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Toyota RAV4 insurance costs.
Who We Based These Rates On
These Toyota RAV4 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.