Compare the Cost of Toyota RAV4 Insurance by Model Year and Company

Insurance rates will differ based on the driver's age. The average annual policy cost for a 16-year-old insuring a 2009 Toyota RAV4 is $5,500, but a 40-year-old only pays an average of $1,191 for the same model.

Similarly, a 16-year-old insuring a 2022 Toyota RAV4 will pay an average of $6,365 per year for a policy, while the insurance cost for a 40-year-old driver will be an average of $1,417 per year. MoneyGeek also scored insurers that offer the best coverage with a balance between affordability, service and claims experience.

The average cost of insuring a Toyota RAV4 is $1,334 annually, but the company you buy your policy from can affect how much you pay. State Farm provides the cheapest car insurance for this model, charging an average of $1,060 per year. Farmers is the most expensive insurer, with a policy costing an average of $1,561 annually.

State Farm is also the cheapest minimum coverage policy provider, charging an average of $484 annually. Farmers charges $765 annually for a policy, making it the most expensive provider.

Many factors affect the cost of car insurance for a given make and model. The Toyota RAV4 is cheaper to insure than many other vehicles due in large part to its low MSRP, low horsepower and minimal theft rate.

Before finalizing a provider, MoneyGeek recommends considering various factors besides policy cost. The best Toyota RAV4 insurance provider will offer you a smooth claims experience and great service. The following insurers offer the best car insurance for a Toyota RAV4:

• State Farm: MoneyGeek score of 90 out of 100 ($1,060 per year)
• GEICO: MoneyGeek score of 90 out of 100 ($1,071 per year)

State Farm had the highest score for affordability and the second-highest score for customer satisfaction.

Insurance companies charge an average of $1,191 annually to insure a 2009 Toyota RAV4, while the average cost of car insurance for a 2022 model is $1,417. You will generally pay higher insurance rates for a newer model than an older one because of the depreciation of the vehicle’s value.

Besides model year, rates will also vary based on your chosen insurer. State Farm charges the lowest to insure a 2009 Toyota RAV4 at an average of $915 annually. But the cheapest company for a 2022 model is GEICO, charging an average of $1,144 annually.

If you’re in your teens or 20s, your car insurance rates will likely be higher than rates for those in their 30s. The average annual cost of Toyota RAV4 insurance for a 16-year-old is $5,900, while a 40-year-old pays an average of $1,293 per year. Find affordable teen car insurance by shopping around and comparing rates.

The cost of teen car insurance can be significantly lower if parents include them on a family plan, as insurers generally charge higher rates for teens on individual plans.

State Farm is the cheapest insurer for a 16-year-old driver looking to insure a Toyota RAV4, charging an average of $3,800 annually. Farmers charges the highest rates for the same model, with a policy cost averaging $8,820 per year. Compare rates and shop around to find the cheapest insurer.

The annual cost of car insurance for a Toyota RAV4 will depend on your model type, year and driver age — but your location will also significantly matter.

Your cheapest car insurance option may vary based on your location. Idaho has the most affordable rates for car insurance, while Florida has the highest. We recommend getting quotes from several of the cheapest insurers when shopping for a policy for a Toyota RAV4.

Drivers looking to insure a Toyota RAV4 often have policy cost and service quality concerns. MoneyGeek researched these frequently asked questions to provide more information.