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? 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 facts

  • Average auto insurance premium: $110/month

  • Most affordable companies: Progressive ($68/month) & Erie ($77/month)

  • RAV4 insurance cost vs. average rate: $162 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota RAV4 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 RAV4 insurer costs by state:

Risk factors affecting Toyota RAV4 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 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.

2021 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1194
Allied$1944
Allstate$1522
American Family$1236
Arbella$1301
Auto-Owners$1980
Erie$935
GEICO$1005
Mercury$1416
MetLife$1915
Nationwide$1080
Progressive$826
Safe Auto$1625
State Farm$1124
Tennessee Farmers$1371
Travelers$1530
USAA$913

Compare all 2021 Toyota RAV4 rates

Average Cost to Insure Per Year

$1327

List Price

$26600

Trims Available

LE - XLE - Adventure - SE - Limited - Platinum 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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1102
Allstate$1485
American Family$1161
Erie$860
GEICO$891
Mercury$1405
MetLife$1906
Nationwide$1065
Progressive$706
Safe Auto$1596
State Farm$1068
Tennessee Farmers$1313
Travelers$1527
USAA$859
Vermont Mutual$1685

Compare all 2020 Toyota RAV4 rates

Average Cost to Insure Per Year

$1254

List Price

$26550

Trims Available

LE - XLE - Adventure - SE - Limited - Platinum 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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1429
American Family$1135
Erie$853
Farmers$1047
GEICO$720
Mercury$1362
MetLife$1846
Nationwide$964
Progressive$635
Safe Auto$1537
State Farm$976
Tennessee Farmers$1280
Travelers$1481
USAA$855
Vermont Mutual$1628

Compare all 2019 Toyota RAV4 rates

Average Cost to Insure Per Year

$1137

List Price

$26545

Trims Available

LE - XLE - Adventure - SE - Limited - Platinum 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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1095
Acuity$ 1095
Allied$ 1019
Allied$ 1019
American Family$ 1050
American Family$ 1050
Country$ 1083
Country$ 1083
Erie$ 711
Erie$ 711
GEICO$ 529
GEICO$ 529
Nationwide$ 1003
Nationwide$ 1003
Progressive$ 740
Progressive$ 740
State Farm$ 787
State Farm$ 787
Tennessee Farmers$ 819
Tennessee Farmers$ 819
USAA$ 716
USAA$ 716
Vermont Mutual$ 1004
Vermont Mutual$ 1004

Compare all 2018 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 946

List Price

$ 24660

Trims Available

LE - XLE - Adventure - SE - Limited - Platinum

2017 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1021
Allied$ 1021
American Family$ 1027
American Family$ 1027
Country$ 1047
Country$ 1047
Erie$ 698
Erie$ 698
GEICO$ 486
GEICO$ 486
Nationwide$ 1009
Nationwide$ 1009
Progressive$ 699
Progressive$ 699
State Farm$ 748
State Farm$ 748
Tennessee Farmers$ 809
Tennessee Farmers$ 809
Texas Farm Bureau$ 845
Texas Farm Bureau$ 845
USAA$ 709
USAA$ 709
Vermont Mutual$ 1005
Vermont Mutual$ 1005

Compare all 2017 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 916

List Price

$ 24410

Trims Available

LE - XLE - SE - Limited - Platinum

2016 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1044
Allied$ 1044
American Family$ 958
American Family$ 958
Country$ 1018
Country$ 1018
Erie$ 661
Erie$ 661
GEICO$ 508
GEICO$ 508
Nationwide$ 1032
Nationwide$ 1032
Progressive$ 696
Progressive$ 696
State Farm$ 787
State Farm$ 787
Tennessee Farmers$ 793
Tennessee Farmers$ 793
Texas Farm Bureau$ 854
Texas Farm Bureau$ 854
USAA$ 723
USAA$ 723
Vermont Mutual$ 958
Vermont Mutual$ 958

Compare all 2016 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 900

List Price

$ 23300

Trims Available

LE - XLE - SE - Limited

2015 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1022
Acuity$ 1022
American Family$ 949
American Family$ 949
Country$ 1011
Country$ 1011
Erie$ 649
Erie$ 649
GEICO$ 486
GEICO$ 486
Nationwide$ 1041
Nationwide$ 1041
Progressive$ 710
Progressive$ 710
State Farm$ 698
State Farm$ 698
Tennessee Farmers$ 874
Tennessee Farmers$ 874
Texas Farm Bureau$ 793
Texas Farm Bureau$ 793
USAA$ 663
USAA$ 663
Vermont Mutual$ 892
Vermont Mutual$ 892

Compare all 2015 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 867

List Price

$ 23680

Trims Available

LE - XLE - Limited

2014 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1000
Acuity$ 1000
American Family$ 939
American Family$ 939
Country$ 1026
Country$ 1026
Erie$ 621
Erie$ 621
GEICO$ 479
GEICO$ 479
Plymouth Rock Insurance$ 1057
Plymouth Rock Insurance$ 1057
Progressive$ 686
Progressive$ 686
State Farm$ 721
State Farm$ 721
Tennessee Farmers$ 875
Tennessee Farmers$ 875
Texas Farm Bureau$ 781
Texas Farm Bureau$ 781
USAA$ 641
USAA$ 641
Vermont Mutual$ 877
Vermont Mutual$ 877

Compare all 2014 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 854

List Price

$ 23550

Trims Available

LE - XLE - Limited

2013 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 972
Acuity$ 972
American Family$ 924
American Family$ 924
Country$ 1021
Country$ 1021
Erie$ 608
Erie$ 608
GEICO$ 463
GEICO$ 463
Plymouth Rock Insurance$ 1029
Plymouth Rock Insurance$ 1029
Progressive$ 718
Progressive$ 718
State Farm$ 734
State Farm$ 734
Tennessee Farmers$ 854
Tennessee Farmers$ 854
Texas Farm Bureau$ 730
Texas Farm Bureau$ 730
USAA$ 637
USAA$ 637
Vermont Mutual$ 823
Vermont Mutual$ 823

Compare all 2013 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 846

List Price

$ 23300

Trims Available

LE - XLE - Limited

2012 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 896
Acuity$ 896
Allstate$ 907
Allstate$ 907
American Family$ 824
American Family$ 824
Country$ 890
Country$ 890
Erie$ 582
Erie$ 582
GEICO$ 409
GEICO$ 409
Progressive$ 638
Progressive$ 638
State Farm$ 573
State Farm$ 573
Tennessee Farmers$ 783
Tennessee Farmers$ 783
Texas Farm Bureau$ 753
Texas Farm Bureau$ 753
USAA$ 555
USAA$ 555
Vermont Mutual$ 777
Vermont Mutual$ 777

Compare all 2012 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 751

List Price

$ 22650

Trims Available

Base - Sport - Limited

2011 Toyota RAV4

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 887
Allstate$ 887
American Family$ 796
American Family$ 796
Country$ 887
Country$ 887
Erie$ 566
Erie$ 566
GEICO$ 398
GEICO$ 398
Nationwide$ 903
Nationwide$ 903
Progressive$ 623
Progressive$ 623
State Farm$ 596
State Farm$ 596
Tennessee Farmers$ 765
Tennessee Farmers$ 765
Texas Farm Bureau$ 727
Texas Farm Bureau$ 727
USAA$ 541
USAA$ 541
Vermont Mutual$ 740
Vermont Mutual$ 740

Compare all 2011 Toyota RAV4 rates

Average Cost to Insure Per Year

$ 751

List Price

$ 22475

Trims Available

Base - Sport - Limited