Buy Cheap Toyota RAV4 Auto Insurance in 2024
Toyota RAV4 insurance rates run around $195 less per year than the average vehicle. Good drivers may even save as much as $546 a year with policy discounts. Teen drivers, on the other hand, see the highest Toyota RAV4 insurance costs. Read on to learn more about Toyota RAV4 insurance, and how to get the most affordable Toyota RAV4 insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Toyota RAV4 insurance costs around $1,324 a year for Full Coverage, or $110 each month
- A liability-only policy costs around $531 a year or $44 each month
- Highest rates are for teenage drivers at around $4,839 a year or $403 each month
- Good drivers can save as much as $546 a year by earning policy discounts
- Toyota RAV4 rates run around $195 less per year than the average vehicle
If you drive a Toyota RAV4, you’re driving one of the safest and most reliable cars out there. Insurance for a Toyota RAV4 can cost around $195 less per year than the average vehicle, but there are many ways to save.
Read on to learn more about Toyota RAV4 insurance rates and how you can find the best Toyota RAV4 insurance quotes online now!
How much does it cost to insure my Toyota RAV4?
The average cost of insurance for a Toyota RAV4 is around $1,324 a year, or $110 a month.
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Are Toyota RAV4s expensive to insure?
The chart below details how Toyota’s insurance rates for a RAV4 compare to other crossovers like the Kia Sportage, BMW X6, and Lincoln MKT.
Vehicle | Comprehensive | Collision | Liability | Total |
Toyota RAV4 | $294 | $500 | $372 | $1,324 |
Kia Sportage | $280 | $470 | $372 | $1,280 |
BMW X6 | $432 | $834 | $398 | $1,822 |
Lincoln MKT | $370 | $626 | $450 | $1,626 |
Lexus RX 450h | $390 | $718 | $420 | $1,708 |
Lexus NX 300 | $376 | $688 | $372 | $1,594 |
Mazda CX-3 | $308 | $500 | $372 | $1,338 |
However, there are a few things you can do to find the most affordable Toyota car insurance rates online.
Read more: Buy Cheap Lincoln Auto Insurance in (2023)
What factors affect car insurance rates for my Toyota RAV4?
The Toyota RAV4 trim and model you choose will affect the total price you will pay for your Toyota insurance.
Age of the Vehicle
The average Toyota RAV4 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Toyota RAV4 are $1,324, while 2010 Toyota RAV4 rates are $1,104, a difference of $220.
Model Year | Comprehensive | Collision | Liability | Total |
2020 Toyota RAV4 | $294 | $500 | $372 | $1,324 |
2019 Toyota RAV4 | $280 | $482 | $390 | $1,310 |
2018 Toyota RAV4 | $270 | $478 | $398 | $1,304 |
2017 Toyota RAV4 | $260 | $466 | $416 | $1,300 |
2016 Toyota RAV4 | $250 | $446 | $430 | $1,284 |
2015 Toyota RAV4 | $238 | $430 | $442 | $1,268 |
2014 Toyota RAV4 | $228 | $400 | $452 | $1,238 |
2013 Toyota RAV4 | $218 | $376 | $456 | $1,208 |
2012 Toyota RAV4 | $210 | $338 | $460 | $1,166 |
2011 Toyota RAV4 | $196 | $310 | $460 | $1,124 |
2010 Toyota RAV4 | $190 | $292 | $464 | $1,104 |
Driver Age
If we look at average car insurance rates by age, we can see that the driver’s age can have a significant impact on Toyota RAV4 car insurance rates.
For example, 20-year-old drivers pay approximately $1,620 more each year for their RAV4 insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota RAV4 insurance rates. For example, drivers in Houston may pay $976 a year more than drivers in Columbus, Ohio.
Your Driving Record
Your driving record can have an impact on the cost of auto insurance. Teens and drivers in their 20’s see the highest jump in their RAV4 insurance rates with violations on their driving record.
Toyota RAV4 Safety Ratings
Your RAV4 insurance rates are tied to the safety ratings of the Toyota RAV4. See the breakdown below:
Test Type | Rating |
Small overlap front: driver-side | Good |
---|---|
Small overlap front: passenger-side | Good |
Moderate overlap front | Good |
Side | Good |
Roof strength | Good |
Head restraints and seats | Good |
Source: Insurance Institute for Highway Safety |
Toyota RAV4 Crash Test Ratings
Good Toyota RAV4 crash test ratings can lower your Toyota RAV4 auto insurance rates. See Toyota RAV4 crash test results below:
Vehicle Tested | Overall | Frontal | Side | Rollover |
2020 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2020 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
2020 Toyota RAV4 HYBRID SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
2019 Toyota RAV4 SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
2019 Toyota RAV4 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
2019 Toyota RAV4 Hybrid SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration |
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Toyota RAV4 Safety Features
Having a variety of safety features on your Toyota RAV4 can help lower your insurance costs. The 2020 Toyota RAV4’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Toyota RAV4 Insurance Loss Probability
Review the Toyota RAV4 car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
The lower percentage means lower Toyota RAV4 auto insurance costs; higher percentages mean higher Toyota RAV4 auto insurance costs.
Insurance Coverage Category | Loss Rate |
Collision | -11% |
---|---|
Property Damage | -8% |
Comprehensive | -31% |
Personal Injury | 17% |
Medical Payment | 11% |
Bodily Injury | -6% |
Source: Insurance Institute for Highway Safety |
Toyota RAV4 Finance and Insurance Cost
If you are financing a Toyota RAV4, most lenders will require you to carry higher coverages, including comprehensive car insurance, so be sure to compare Toyota RAV4 car insurance rates from the best companies using our FREE tool below.
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How can I save on my Toyota RAV4 Insurance?
If you want to reduce the cost of insurance on your Toyota RAV4, follow these tips below:
- Buy an older Toyota RAV4
- Watch your insurer closely when your Toyota RAV4 needs repairs
- Pay your insurance upfront
- Take advantage of referral fees
- Ask your insurance company about Toyota RAV4 discounts
Who has the cheapest insurance for the Toyota RAV4?
Who is the best auto insurance company for a Toyota RAV4?
While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota RAV4 auto insurance coverage (ordered by market share).
Many of these companies offer discounts for security systems and other safety features that the Toyota RAV4 offers.
Rank | Company | Volume | Market Share |
1 | State Farm | $65,615,190 | 9.3% |
2 | Geico | $46,106,971 | 6.6% |
3 | Progressive | $39,222,879 | 5.6% |
4 | Liberty Mutual | $35,600,051 | 5.1% |
5 | Allstate | $35,025,903 | 5.0% |
6 | Travelers | $28,016,966 | 4.0% |
7 | USAA | $23,483,080 | 3.3% |
8 | Chubb | $23,388,385 | 3.3% |
9 | Farmers | $20,643,559 | 2.9% |
10 | Nationwide | $18,442,145 | 2.6% |
Source: Insurance Information Institute |
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Frequently Asked Questions
Does the location of my residence in Titusville, FL affect my Toyota RAV4 auto insurance rates?
Yes, the location of your residence in Titusville, FL can affect your Toyota RAV4 auto insurance rates. Factors such as population density, crime rates, and accident statistics in your area can impact insurance premiums. If you live in an area with higher incidents of theft or accidents, your rates may be higher. Conversely, if you reside in a low-risk area with fewer incidents, you may benefit from lower insurance premiums.
Are there any specific coverage options I should consider for my Toyota RAV4 in Titusville, FL?
While the specific coverage options for your Toyota RAV4 depend on your individual needs and preferences, some coverage options to consider in Titusville, FL include:
- Liability coverage: This coverage is typically required by law in Florida and helps cover the costs associated with injuries or property damage you cause to others in an accident.
- Uninsured/underinsured motorist coverage: This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Comprehensive coverage: This coverage helps protect against damage to your Toyota RAV4 caused by non-collision events, such as theft, vandalism, or natural disasters.
- Collision coverage: This coverage helps pay for repairs or replacement if your Toyota RAV4 is damaged in a collision with another vehicle or object.
- Personal injury protection (PIP): PIP coverage is required in Florida and helps cover medical expenses and lost wages for you and your passengers in the event of an accident.
Can I find cheap auto insurance specifically for a Toyota RAV4?
Yes, it is possible to find affordable auto insurance specifically tailored for a Toyota RAV4. Insurance rates can vary based on factors such as your driving record, the model year of your vehicle, your location, and the coverage options you choose. By comparing quotes from different insurance providers and considering various discounts and coverage options, you can find the most cost-effective Toyota RAV4 auto insurance for your needs.
What factors can affect the cost of Toyota RAV4 auto insurance?
Several factors can influence the cost of Toyota RAV4 auto insurance, including:
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower insurance premiums.
- Vehicle model year: The model year of your Toyota RAV4 can impact your insurance rates. Newer models may have higher replacement costs, which can result in higher premiums.
- Coverage options: The type and level of coverage you choose will affect your insurance costs. Options such as collision coverage, comprehensive coverage, and liability coverage can impact your premiums.
- Location: Your specific location can affect your insurance rates. Factors such as population density, crime rates, and accident statistics in your area can influence the premiums you pay.
Are there any discounts available to help reduce the cost of Toyota RAV4 auto insurance?
Yes, there are several discounts that may be available to help lower the cost of Toyota RAV4 auto insurance:
- Multi-vehicle discount: If you insure multiple vehicles with the same provider, you may be eligible for a discount.
- Bundling discount: If you have multiple insurance policies, such as home and auto insurance, with the same provider, you may qualify for a discount.
- Good driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a good driver discount.
- Safety features discount: Some insurance companies offer discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices.
- Loyalty discount: If you have been with the same insurance provider for an extended period, they may offer a loyalty discount.
How can I find cheap Toyota RAV4 auto insurance?
To find cheap Toyota RAV4 auto insurance, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Utilize online comparison tools: Online platforms allow you to compare quotes from different insurance companies quickly and easily.
- Evaluate coverage needs: Assess your specific coverage requirements to determine the level of protection you need. Avoid over-insuring or under-insuring your vehicle.
- Consider higher deductibles: Opting for higher deductibles can lower your premiums, but be sure you can comfortably afford the deductible amount if you need to make a claim.
- Ask about discounts: Inquire with insurance providers about available discounts and see if you qualify for any.
- Maintain a good driving record: Safe driving habits can help keep your insurance premiums affordable over time.
Are there any specific considerations for insuring a Toyota RAV4?
When insuring a Toyota RAV4, it’s important to consider factors such as its value, potential repair costs, and safety features. The Toyota RAV4 is a popular crossover SUV known for its reliability and safety. It may have safety features such as adaptive cruise control, lane-keeping assist, and automatic emergency braking, which can potentially qualify you for additional discounts on your insurance premiums. Be sure to inform your insurance provider about any added safety features or modifications to your Toyota RAV4 as they may affect your coverage and premiums.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.