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Cheapest Toyota RAV4 Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Toyota RAV4
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How much does Toyota RAV4 car insurance cost? 

On average, Toyota RAV4 drivers spend $86 each month on state minimum car insurance and $152 per month for full coverage. Compared to other popular cars like the Subaru Forester, Hyundai Ioniq, and Porsche Cayenne, the Toyota RAV4 is 24% more expensive to insure. 
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota RAV4 insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Toyota RAV4 car insurance quotes

This may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota RAV4 drivers save an average of $0 per year on their car insurance. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
July 15, 2024
Toyota RAV4National General
$364
• State Minimum Liability
• Comp / Collision
July 7, 2024
Toyota RAV4 AdventurePlymouth Rock
$284
• State Minimum Liability
July 6, 2024
Toyota RAV4State Auto
$139
• 50,000/100,000 Liability
July 5, 2024
Toyota RAV4 XSE
Clearcover
$132
• 100,000/300,000 Liability
• Comp / Collision
July 5, 2024
Toyota RAV4 LimitedTravelers
$106
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Toyota RAV4, you’ll need to
get car insurance quotes
from at least three insurance companies.

The best car insurance companies for Toyota RAV4 owners

There’s no single best insurance company for all Toyota RAV4 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
But that doesn’t mean we can’t find the best insurance company for you
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Toyota RAV4?

The average cost of Toyota RAV4 insurance is $152 per month for full coverage and $86 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more. 
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Toyota RAV4
$152
$86
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies. 
Check out the table below to see the average cost of auto insurance for some popular Toyota RAV4 trims.
CarMonthly minimum coverage costMonthly full coverage cost
RAV4 Toyota
$82
$134
RAV4 Toyota RAV4 Adventure
$73
$134
RAV4 Toyota LE
$96
$163
RAV4 Toyota Limited
$88
$153
RAV4 Toyota RAV4 Prime XSE
$76
$169
RAV4 Toyota RAV4 SE
$75
$157
RAV4 Toyota RAV4 Sport
$89
$138
RAV4 Toyota RAV4 TRD OFF Road
$76
$183
RAV4 Toyota XLE
$83
$155
RAV4 Toyota XLE Premium
$98
$165
RAV4 Toyota RAV4 XSE
$111
$159
Lower my car insurance too!

Toyota RAV4 insurance cost by model year

The more recently your Toyota RAV4 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota RAV4s provided by Jerry to better understand how your driver profile might affect your cost.

2023 Toyota RAV4 car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Toyota RAV4:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2023
Toyota RAV4 XLE
Progressive
$88
• 50,000/100,000 Liability
• Comp / Collision
2023
Toyota RAV4 LE
Safeco
$146
• State Minimum Liability
• Comp / Collision
2023
Toyota RAV4 XLE
National General
$200
• 100,000/300,000 Liability
• Comp / Collision
2023
Toyota RAV4 Woodland Edition
Bristol West
$161
• State Minimum Liability
2023
Toyota RAV4 XLE Premium
Assurance America
$87
• 30,000/60,000 Liability
coverageLast Updated Jul 23, 2024

2022 Toyota RAV4 car insurance quotes

It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Toyota RAV4 drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2022
Toyota RAV4 XLE
Progressive
$71
• 100,000/300,000 Liability
• Comp / Collision
2022
Toyota RAV4 LE
AAA
$349
• State Minimum Liability
• Comp / Collision
2022
Toyota RAV4 XLE
Clearcover
$115
• 50,000/100,000 Liability
• Comp / Collision
2022
Toyota RAV4 XLE
Gainsco
$185
• State Minimum Liability
• Comp / Collision
2022
Toyota RAV4 LE
National General
$115
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

2021 Toyota RAV4 car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota RAV4:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2021
Toyota RAV4 LE
Allstate
$430
• 50,000/100,000 Liability
• Comp / Collision
2021
Toyota RAV4 XSE
Safeco
$113
• 100,000/300,000 Liability
• Comp / Collision
2021
Toyota RAV4 LE
Travelers
$153
• State Minimum Liability
• Comp / Collision
2021
Toyota RAV4 XLE Premium
AAA
$144
• 100,000/300,000 Liability
• Comp / Collision
2021
Toyota RAV4 XLE Premium
Nationwide
$88
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024
If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota RAV4 with our real quote examples below:

2020 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2020
Toyota RAV4 XLE
Progressive
$104
• 50,000/100,000 Liability
• Comp / Collision
2020
Toyota RAV4 XLE
Safeco
$154
• 50,000/100,000 Liability
• Comp / Collision
2020
Toyota RAV4 XLE
Nationwide
$109
• 100,000/300,000 Liability
• Comp / Collision
2020
Toyota RAV4 XLE
Allstate
$120
• State Minimum Liability
• Comp / Collision
2020
Toyota RAV4 XSE
AAA
$118
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

2019 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2019
Toyota RAV4 XLE
Allstate
$305
• 50,000/100,000 Liability
• Comp / Collision
2019
Toyota RAV4 LE
Travelers
$160
• 100,000/300,000 Liability
• Comp / Collision
2019
Toyota RAV4 XLE
AAA
$295
• State Minimum Liability
• Comp / Collision
2019
Toyota RAV4 LE
Safeco
$125
• 50,000/100,000 Liability
• Comp / Collision
2019
Toyota RAV4 Limited
Nationwide
$65
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

2018 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2018
Toyota RAV4 LE
Nationwide
$100
• 100,000/300,000 Liability
• Comp / Collision
2018
Toyota RAV4 Adventure
AAA
$135
• 25,000/50,000 Liability
• Comp / Collision
2018
Toyota RAV4 LE
Mercury
$308
• 50,000/100,000 Liability
• Comp / Collision
2018
Toyota RAV4 Limited
Gainsco
$249
• State Minimum Liability
• Comp / Collision
2018
Toyota RAV4 Adventure
Plymouth Rock
$284
• State Minimum Liability
coverageLast Updated Jul 19, 2024

2017 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2017
Toyota RAV4 HV LE
Nationwide
$111
• 50,000/100,000 Liability
• Comp / Collision
2017
Toyota RAV4 Limited
Safeco
$111
• 100,000/300,000 Liability
• Comp / Collision
2017
Toyota RAV4 SE
Travelers
$181
• State Minimum Liability
• Comp / Collision
2017
Toyota RAV4 LE
AAA
$239
• 25,000/50,000 Liability
• Comp / Collision
2017
Toyota RAV4 LE
State Auto
$119
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

2016 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2016
Toyota RAV4 LE
Safeco
$105
• 50,000/100,000 Liability
• Comp / Collision
2016
Toyota RAV4 LE
Nationwide
$114
• 100,000/300,000 Liability
• Comp / Collision
2016
Toyota RAV4 LE
AAA
$150
• State Minimum Liability
• Comp / Collision
2016
Toyota RAV4 Limited
National General
$92
• State Minimum Liability
• Comp / Collision
2016
Toyota RAV4 SE
Mercury
$75
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

2015 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2015
Toyota RAV4 LE
Progressive
$163
• State Minimum Liability
• Comp / Collision
2015
Toyota RAV4 XLE
Safeco
$85
• 50,000/100,000 Liability
• Comp / Collision
2015
Toyota RAV4 Limited
Nationwide
$94
• 100,000/300,000 Liability
• Comp / Collision
2015
Toyota RAV4 XLE
AAA
$310
• State Minimum Liability
• Comp / Collision
2015
Toyota RAV4
Allstate
$174
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

2014 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2014
Toyota RAV4 Limited
Progressive
$73
• State Minimum Liability
• Comp / Collision
2014
Toyota RAV4 Limited
AAA
$149
• 50,000/100,000 Liability
• Comp / Collision
2014
Toyota RAV4 LE
Allstate
$119
• 100,000/300,000 Liability
• Comp / Collision
2014
Toyota RAV4 XLE
Safeco
$155
• State Minimum Liability
• Comp / Collision
2014
Toyota RAV4 XLE
Travelers
$175
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

2013 Toyota RAV4 car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2013
Toyota RAV4 Limited
Allstate
$133
• 50,000/100,000 Liability
• Comp / Collision
2013
Toyota RAV4 Limited
Travelers
$106
• 100,000/300,000 Liability
• Comp / Collision
2013
Toyota RAV4 XLE
AAA
$220
• State Minimum Liability
• Comp / Collision
2013
Toyota RAV4 XLE
Safeco
$112
• State Minimum Liability
• Comp / Collision
2013
Toyota RAV4 Limited
National General
$258
• State Minimum Liability
coverageLast Updated Jul 24, 2024

See All Toyota RAV4 Insurance Information by Year

Are Toyota RAV4s expensive to insure? 

The average Toyota RAV4 insurance rate is $86 per month. Compared to the national average for other models from a similar price range, it is 24% more expensive to insure a Toyota RAV4 .
CarMonthly minimum coverage costMonthly full coverage cost
Toyota RAV4
$86
$152
Mini Cooper
$90
$166
Jeep Patriot
$93
$161
Buick Verano
$107
$189
Ford Ranger
$81
$137
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Toyota RAV4 safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums. 
The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests. 
See the tables below for a detailed look at safety ratings for the Toyota RAV4.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Moderate overlap front: updated test
Acceptable
Side: original test
Good
Side: updated test
Acceptable
Roof strength
Good
Head restraints & seats
Good
Headlights
Good
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Superior
Front crash prevention: vehicle-to-pedestrian (night)
Superior
Seat belt reminders
Good
LATCH ease of use
Good

Toyota RAV4 safety features 

The safety features of a model will also impact your insurance costs. 
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features. 
The Toyota RAV4 has a variety of safety features. Learn more about them below.
Safety featureDescription
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Security system
The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Side impact airbags
Side impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Stability control
Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Anti-lock brakes
ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.

What other factors affect Toyota RAV4 insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Toyota RAV4 insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
card cover
Caroline (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 XLE
$249
per month
card cover
Harold (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carToyota RAV4 XLE Premium
$139
per month
card cover
Lula (23 years old)
coverageCoverage
State Minimum
carToyota RAV4 XLE
$108
per month
card cover
Lula (24 years old)
coverageCoverage
State Minimum
locationGrafton, MA
carToyota RAV4
$98
per month
card cover
Curtis (22 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
carToyota RAV4 LE
$318
per month

Toyota RAV4 insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. 
Car insurance rates for seniors
 tend to be higher for several reasons. 
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
card cover
Kevin (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLighthouse Point, FL
carToyota RAV4 Limited
$198
per month
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Logan (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 LE
$100
per month
card cover
Harriet (72 years old)
coverageCoverage
State Minimum
carToyota RAV4 Limited
$116
per month
card cover
Tommy (73 years old)
coverageCoverage
State Minimum
carToyota RAV4 Adventure
$163
per month
card cover
Danny (77 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carToyota RAV4
$107
per month

Toyota RAV4 insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Toyota RAV4 drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit. 
Jerry is proud to help Toyota RAV4 drivers with varying speeding tickets save on car insurance.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 6-10
Toyota RAV4 LEState Auto
$306
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Toyota RAV4 SportInfinity
$257
• State Minimum Liability
Speeding 16-20
Toyota RAV4 LimitedAllstate
$177
• 30,000/85,000 Liability
• Comp / Collision
Speeding 21+
Toyota RAV4 XLEAAA
$333
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Cheapest car insurance for Toyota RAV4 drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota RAV4 drivers obtain affordable auto insurance rates after a DUI.
card cover
Beatrice (31 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGranite Bay, CA
carToyota RAV4 XSE
$215
per month
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Jerome (42 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 SE
$185
per month
card cover
Luke (27 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carToyota RAV4
$154
per month
card cover
Chase (36 years old)
coverageCoverage
State Minimum
locationSilverado, CA
carToyota RAV4 LE
$107
per month
card cover
Clearcover
Tommy (34 years old)
coverageCoverage
State Minimum
locationAurora, IN
carToyota RAV4
$71
per month

Cheapest car insurance for Toyota RAV4 drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota RAV4 drivers save on car insurance after car accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Toyota RAV4 LimitedSafeco
$103
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Toyota RAV4 XLETravelers
$61
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Toyota RAV4 XLE PremiumAAA
$144
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Toyota RAV4 XLENationwide
$246
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Toyota RAV4 LEAllstate
$190
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 23, 2024

Cheapest car insurance for Toyota RAV4 drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how we helped Toyota RAV4 drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Toyota RAV4 LimitedProgressive
$98
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Toyota RAV4 LimitedSafeco
$149
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Toyota RAV4 XLEAllstate
$155
• 50,000/100,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Toyota RAV4 LENational General
$184
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Toyota RAV4 XLEAAA
$260
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Toyota RAV4 XLEMercury
$220
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Toyota RAV4 XLE
Clearcover
$121
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Toyota RAV4 LEProgressive
$144
• State Minimum Liability
• Comp / Collision
Seat Belt
Toyota RAV4 XLESafeco
$105
• State Minimum Liability
• Comp / Collision
Improper Passing
Toyota RAV4 XLEBristol West
$220
• 250,000/500,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

FAQs

How much is insurance for a Toyota Rav 4?

The average cost of car insurance for a Toyota RAV4 is approximately $86 per month for a liability-only policy, and $152 per month for full coverage.

Is insurance high on a Toyota Rav 4?

The Toyota RAV4 is relatively cheap to insure. For example, a 2023 Subaru Forester costs, on average, $131 per month for the state minimum. A 2023 Toyota RAV4, on the other hand, typically costs $112 per month for the same coverage, making it 17% less to insure.

What is the most expensive Toyota to insure?

The Toyota RAV4 Woodland EV is one of the more expensive models to insure, with costs being an average of $117 per month for a minimum coverage policy.

Why is Toyota insurance high?

Toyota RAV4 insurance is relatively inexpensive—however, your Toyota car insurance costs may be higher than usual due to your vehicle age, trim level, modifications, and driver profile.

How much is insurance on a 2023 RAV4?

The average cost of car insurance for a 2023 Toyota RAV4 is approximately $112 per month for a liability-only policy, and $229 per month for full coverage.

Is a Toyota RAV4 hybrid expensive to insure?

The Toyota RAV4 Hybrid is relatively cheap to insure, with most full coverage policies costing approximately $97 per month. 

How can I save money on Toyota RAV4 insurance?

Toyota RAV4 drivers can continue to save on car insurance by comparing quotes on a regular basis, shopping for car insurance discounts, and practicing safe driving habits.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.