Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota RAV4 Hybrid? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota RAV4 Hybrid facts

  • Average auto insurance premium: $140/month

  • Most affordable companies: USAA ($95/month) & State Farm ($104/month)

  • RAV4 insurance cost vs. average rate: $36 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota RAV4 Hybrid by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Highlander insurer costs by state:

Risk factors affecting Toyota RAV4 Hybrid rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & RAV4 Hybrid Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

Methodology

AutoInsureSavings.org collects quotes from the state’s largest car insurers for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good driver, anti-theft, and paperless discounts. Price quotes for each insurer are via Quadrant Information Services.

We retrieved quotes for different years of RAV4 Hybrid’s and trim levels from rate data in this instance.

The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison. Your rates will vary when you get quotes. AutoInsureSavings licensed agents recommend getting quotes before purchasing a new or used motor vehicle to find the best savings for your financial situation and expenses. 

2021 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2169
Allstate$1560
American Family$1525
Country Financial$1832
Erie$1323
GEICO$1351
Mercury$1527
MetLife$2006
Nationwide$1415
Progressive$1199
State Farm$1254
Tennessee Farmers$1549
Texas Farm Bureau$1480
Travelers$1701
USAA$1142

Compare all 2021 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$1688

List Price

$28500

Trims Available

LE Plus - XLE - SE - Limited - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2065
Allstate$1549
American Family$1404
Country Financial$1760
Erie$1263
GEICO$1314
Mercury$1491
Nationwide$1329
Progressive$1134
State Farm$1205
Tennessee Farmers$1437
Texas Farm Bureau$1385
Travelers$1652
USAA$1077

Compare all 2020 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$1610

List Price

$28350

Trims Available

LE Plus - XLE - SE - Limited - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2019 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1958
Allstate$1539
American Family$1369
Country Financial$1659
Erie$1222
GEICO$1238
Mercury$1432
Nationwide$1289
Progressive$1088
State Farm$1157
Tennessee Farmers$1400
Texas Farm Bureau$1327
Travelers$1625
USAA$1031

Compare all 2019 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$1428

List Price

$27850

Trims Available

LE Plus - XLE - SE - Limited - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2018 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1825
Allstate$1528
American Family$1316
Country Financial$1634
Erie$1130
GEICO$1141
Kentucky Farm Bureau$1651
Mercury$1412
Nationwide$1224
Progressive$1027
State Farm$1056
Tennessee Farmers$1348
Texas Farm Bureau$1280
Travelers$1587
USAA$953

Compare all 2018 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$1312

List Price

$26750

Trims Available

LE Plus - XLE - SE - Limited - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2017 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1164
Allied$ 1164
Arbella$ 1190
Arbella$ 1190
Erie$ 861
Erie$ 861
GEICO$ 960
GEICO$ 960
Plymouth Rock Insurance$ 1157
Plymouth Rock Insurance$ 1157
Progressive$ 986
Progressive$ 986
Quincy Mutual$ 1167
Quincy Mutual$ 1167
State Farm$ 1167
State Farm$ 1167
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 1135
USAA$ 1135
Vermont Mutual$ 1115
Vermont Mutual$ 1115

Compare all 2017 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$ 1146

List Price

$ 27910

Trims Available

LE Plus - XLE - SE - Limited

2016 Toyota RAV4 Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1186
Acuity$ 1186
Arbella$ 1138
Arbella$ 1138
Country$ 1234
Country$ 1234
Erie$ 878
Erie$ 878
GEICO$ 1184
GEICO$ 1184
Plymouth Rock Insurance$ 1129
Plymouth Rock Insurance$ 1129
Progressive$ 1138
Progressive$ 1138
Quincy Mutual$ 1137
Quincy Mutual$ 1137
Tennessee Farmers$ 871
Tennessee Farmers$ 871
Texas Farm Bureau$ 886
Texas Farm Bureau$ 886
USAA$ 1157
USAA$ 1157
Vermont Mutual$ 1089
Vermont Mutual$ 1089

Compare all 2016 Toyota RAV4 Hybrid rates

Average Cost to Insure Per Year

$ 1183

List Price

$ 28370

Trims Available

XLE - Limited