Toyota RAV4 Car Insurance Cost
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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
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Average auto insurance premium: $110/month
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Most affordable companies: Progressive ($68/month) & Erie ($77/month)
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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.
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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:
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Virginia car insurance – $1,036 per year
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West Virginia car insurance – $1,116 per year
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New York car insurance – $1,570 per year
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Georgia – $1,442 per year
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Arizona – $965 per year
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.
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2021 Toyota RAV4
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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