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
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 costs. The Toyota RAV4 averages $666 a year in repair costs, ninth lowest among Toyota's 32 models.
- Trim, features and accessories. The RAV4's power output ranges from 203 to 302 horsepower in hybrid models. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. RAV4 drivers tend to fall between ages 40 and 50, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Toyota RAV4s for young drivers.
Which Compact SUV Costs Less to Insure?
The Toyota RAV4, Honda CR-V, and Nissan Rogue are the three best-selling compact SUVs in the nation. And chances are you're comparing at least two of them.Â
On insurance, the RAV4 runs higher than both competitors across every year we measured — $37 more per month for full coverage than the CR-V on 2025 models, or an added $444 a year. That increase is consistent and worth factoring in before you decide on a vehicle.
Where the RAV4 earns its premium is resale value. A 2021 RAV4 holds around $25,000 in current market value — roughly $3,000 more than a comparable CR-V and $5,500 more than a Rogue. If you plan to sell or trade in within a few years, that retention can offset a meaningful portion of the insurance difference.Â
The RAV4 also now comes standard with a hybrid drivetrain on 2026 models, which changes the fuel economy calculus significantly compared to its gas-only competitors.
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 |
Does Upgrading Your Trim Increase Toyota RAV4 Insurance Costs?
The RAV4 is one of the more insurance-friendly vehicles in its class to upgrade. Moving from the base Sport trim all the way up to the Limited or TRD Off-Road adds at most $67 a month to a full coverage premium — a modest number relative to the sticker price difference between those trims.Â
The XSE is the lone outlier at $237 a month, but even that is only $83 over base. Compared to other vehicles, trim choice for a RAV4 won't significantly change your insurance bill.
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
Coverage needs depend on how you own the RAV4. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for compact SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for RAV4 drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records.
Forum discussions on claims processing surface problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Toyota RAV4 owners qualify for safety feature discounts (the RAV4's standard automatic emergency braking supports this) along with good driver credits, multi-vehicle savings and bundling discounts when combining auto and home policies.
The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor acceleration, braking and late-night driving patterns, then price the policy on actual behavior. RAV4 drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Get quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Toyota RAV4 Insurance Cost: Bottom Line
The Toyota RAV4 costs about average to insure among compact SUVs. Comparing quotes from at least three insurers and stacking available discounts will cut that further.
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?
Driving record, credit score and coverage level are the main variables in any RAV4 premium. Certain RAV4 models carry above-average theft rates, which pushes premiums up. But the RAV4's $666 average annual repair cost and strong safety ratings partially offset that.
How can I lower Toyota RAV4 insurance costs?
Start with quotes from at least three insurers. Stack every discount you qualify for: the RAV4's standard safety features, good driver credits and bundling home and auto are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Toyota RAV4 Insurance Costs
Toyota RAV4 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!