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Cheapest 2022 Toyota RAV4 Car Insurance (Dec 2023)
Cheapest 2022 Toyota RAV4 Car Insurance (Dec 2023)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2022 Toyota RAV4
Find Insurance Savings (100% Free!)
No long forms
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Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does car insurance cost for a 2022 Toyota RAV4 ?
- Compare the cheapest 2022 Toyota RAV4 car insurance quotes
- The best car insurance companies for 2022 Toyota RAV4 owners
- How expensive is 2022 Toyota RAV4 insurance compared to other years?
- Are 2022 Toyota RAV4s expensive to insure?
- Methodology
- Meet Our Experts
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How much does car insurance cost for a 2022 Toyota RAV4 ?
The average cost of car insurance for a 2022 Toyota RAV4 is $1,224 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2022 Toyota RAV4 are 1% more.
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2022 Toyota RAV4, use Jerry
to get a detailed car insurance price comparison
. Compare the cheapest 2022 Toyota RAV4 car insurance quotes
Thousands of smart Toyota RAV4 drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of -- per year on car insurance. Below are cheap quotes Jerry found for 2022 Toyota RAV4 drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
November 25, 2023 | National General | $114 | Brent, 29 | • State Minimum Liability | |
November 23, 2023 | Progressive | $135 | Madge, 29 | • State Minimum Liability • Comp / Collision | |
November 19, 2023 | Mercury | $138 | Amanda, 37 | • 30,000/60,000 Liability • Comp / Collision | |
November 16, 2023 | Dairyland | $201 | Della, 32 | • 50,000/100,000 Liability • Comp / Collision | |
November 14, 2023 | Clearcover | $132 | Margaret, 28 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Dec 3, 2023However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2022 Toyota RAV4 owners
There’s no best company for all 2022 Toyota RAV4 drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well.
The table below shows how 2022 Toyota RAV4 drivers rated different insurance companies in these three categories, as well as overall.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer 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 |
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'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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2022 Toyota RAV4 insurance costs
From working with lots of 2022 Toyota RAV4 drivers, we found that the average cost of minimum liability coverage is $102 per month, or $1,224 per year. The average cost for full coverage insurance for 2022 Toyota RAV4 drivers is $185 per month or $2,220 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $102 | $1,224 |
Full coverage | $185 | $2,220 |
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of liability insurance
. In some states, uninsured/underinsured motorist coverage
and/or personal injury protection
are also required by law. Full coverage car insurance
, on the other hand, includes collision
and comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more. Compare insurance information for other Toyotas
2022 Toyota RAV4 insurance costs by trim level
The cost of car insurance for a 2022 Toyota RAV4 is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2022 | $204 | $99 |
2022 | $171 | $85 |
2022 | $183 | $105 |
2022 | $194 | $78 |
2022 | $168 | $163 |
How expensive is 2022 Toyota RAV4 insurance compared to other years?
Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage.
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old.
The table below compares the average insurance cost of a Toyota RAV4 manufactured in 2022 with that of the four closest model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
$108 | $169 | |
$63 | $112 | |
$73 | $130 | |
$70 | $122 | |
$60 | $157 | |
$87 | $134 | |
$97 | $126 | |
$73 | $95 | |
$80 | $100 | |
$79 | $115 | |
$86 | $121 | |
$80 | $166 | |
$82 | $151 | |
$84 | $140 | |
$87 | $139 | |
$93 | $144 | |
$90 | $138 | |
$106 | $165 | |
$87 | $149 | |
$80 | $151 | |
$92 | $144 | |
$79 | $143 | |
$94 | $151 | |
$97 | $157 | |
$88 | $164 | |
$102 | $185 | |
$110 | $212 |
Are 2022 Toyota RAV4s expensive to insure?
On average, car insurance for a 2022 Toyota RAV4 costs $102. Compared with other models in a similar price range, it costs 1% more to insure a 2022 Toyota RAV4.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
$53 | $177 | |
$96 | $184 | |
$102 | $185 | |
$108 | $219 | |
$131 | $206 |
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
| Rating Type | Rating |
|---|---|
Driver's | |
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) | |
Driver's | |
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) |