Toyota RAV4 Insurance Cost

Three things matter when choosing how much coverage to buy: what your Toyota's worth, how much you drive and what you can afford to spend:

Tight budget (you own the car):

• Your state's minimum liability requirements
• Add comprehensive and collision with a $1,000 deductible

Want better protection (you own the car):

• 100/300/100 liability coverage
• Comprehensive and collision with a $500 deductible

Financing or leasing:

• 100/300/100 liability coverage
• Comprehensive and collision with a $500 deductible
• Gap insurance (most lenders require this)

*Coverage Limits Explained (100/300/100):

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage coverage

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.

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.

Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that RAV4 owners will qualify for:

• Multi-Car/Multi-Vehicle Discount (10% to 25% savings): American households average 1.8 vehicles, and RAV4 families often own multiple cars to meet different needs. With 59% of households owning two or more vehicles, many RAV4 owners can bundle their practical SUV with a second family car, work truck, or commuter vehicle for significant savings.
• Bundling/Multi-Policy Discount (5% to 25% savings): RAV4 buyers typically fall in the middle-class demographic with household incomes around $87,000, and many own homes in suburban areas. These homeowners can combine their auto and property insurance policies to unlock substantial bundling discounts from major carriers.
• Good Driver/Safe Driver Discount (5% to 30% savings): With a median age of 57 years, RAV4 owners are mature drivers who've had time to establish clean driving records. Their practical, family-focused approach to vehicle selection often reflects the same responsible attitude behind the wheel that qualifies them for good driver discounts.
• Safety Features/Advanced Safety Discount (5% to 20% savings): The 2025 RAV4 earned a five-star Overall Safety Rating from NHTSA and comes standard with Toyota Safety Sense 2.5, including forward collision avoidance and blind-spot assist. These advanced safety features help you avoid crashes, and many insurers will knock money off your bill for this protective technology.
• Family/Good Student Discount (5% to 25% savings): RAV4 buyers are 56% female and often purchase SUVs during major life transitions like starting families or moving to suburban areas. Families with teen drivers can benefit from good student discounts, while the RAV4's reputation for reliability and safety makes it a popular choice for parents teaching new drivers responsible habits.

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.

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.