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Jerry Data & Research
Cheapest Toyota RAV4 Limited Car Insurance (Apr 2024)
Cheapest Toyota RAV4 Limited Car Insurance (Apr 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 Limited
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does Toyota RAV4 Limited car insurance cost?
- Compare the cheapest Toyota RAV4 Limited car insurance quotes
- The best car insurance companies for Toyota RAV4 Limited owners
- Average Toyota RAV4 Limited insurance costs
- How do Toyota RAV4 Limited insurance quotes compare to other Toyota RAV4 car insurance rates?
- Toyota RAV4 Limited insurance cost by model year
- Are Toyota RAV4 Limiteds expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does Toyota RAV4 Limited car insurance cost?
Most Toyota RAV4 Limited drivers pay an average monthly insurance payment of $88 for minimum
car insurance
. A full coverage policy is about $153 per month on this model. This trim level is about 1% cheaper to insure than other RAV4 trims.Note that Toyota RAV4 insurance costs depend on more than just your make and model. Your claims history, violations, at-fault accidents, address, credit score, and age all matter to companies who are trying to assess your risk level.
Averages
can give you an initial picture, but you won’t know what your actual rate is unless you pull custom free quotes. Compare the cheapest Toyota RAV4 Limited car insurance quotes
Simple is better, and finding the cheapest car insurance is easy with Jerry.
Compare quotes
to find the cheapest rates for you and your Toyota RAV4 Limited. Here’s a look at drivers who have pulled custom auto insurance quotes for RAV4 car insurance premiums with Jerry.| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 18, 2024 | Progressive | $73 | Jay, 23 | • State Minimum Liability | |
April 16, 2024 | Nationwide | $65 | Francis, 45 Solon, OH | • 100,000/300,000 Liability • Comp / Collision | |
April 16, 2024 | 2011 | Safeco | $103 | Leonard, 72 | • 50,000/100,000 Liability • Comp / Collision |
April 12, 2024 | 2007 | State Auto | $262 | Dennis, 24 | • State Minimum Liability • Comp / Collision |
April 11, 2024 | 2018 | AAA | $185 | Bobby, 33 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024Average rates are just an overview. Two drivers with the exact same Toyota RAV4 Limited might pay very different premiums, based on driver age, driving history, and the insurance provider they choose.
Custom quotes can help you identify the absolute cheapest rate and best coverage for your Toyota RAV4 Limited car insurance.
The best car insurance companies for Toyota RAV4 Limited owners
Make and model only matter so much to insurance companies. That’s why there is no single best company for all RAV4 drivers. Ultimately, your unique driver profile has a lot more influence on your rate than your vehicle type alone.
Every company has its own formula for calculating auto insurance rates, and each one is different. That’s why two people with the same exact trim and driving record can pay different prices at different companies. Some people might find the best rates with a major company like
Allstate
, GEICO
, Progressive
, State Farm
, or USAA
—but smaller companies with a local office may offer cheaper rates to some drivers.The
best company
for you might be the cheapest, but make sure you consider claims handling performance and customer service in addition to car insurance policy cost.To make it easy, here’s an overview of top companies as rated by real Toyota RAV4 drivers. Check out what people had to say about these companies after experiencing them as policyholders.
| 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.
Average Toyota RAV4 Limited insurance costs
The Toyota RAV4 Limited costs, on average, $88 per month for minimum liability coverage. That’s about $1,056 as an average annual premium. For more extensive protection, some RAV4 drivers opt for full coverage and pay about $153 per month or $1,836 per year.
If you can unlock insurance discounts, you may be able to pay less than average. For instance, you can bundle your auto coverage with a homeowners or renters policy to get an overall discount.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $88 | $1,056 |
Full coverage | $153 | $1,836 |
How much car insurance do you need for a Toyota RAV4 Limited?
Most states mandate
minimum liability coverage
, which includes basic property damage and bodily injury liability. This pays out to protect other drivers and their property if you cause injuries or damages.A
full coverage
policy is more robust and generally includes liability insurance, along with collision coverage and comprehensive coverage. This protects your own vehicle in the event of an accident, but you have to pay your out-of-pocket deductible first. It’s not legally required in any state, but it may be required by lenders.For optimal protection, consider increasing your liability limits to 50/100/50 or 100/300/100, and adding converge options, such as
roadside assistance
and rental reimbursement
to your full coverage policy. How do Toyota RAV4 Limited insurance quotes compare to other Toyota RAV4 car insurance rates?
The Toyota RAV4 Limited is typically more expensive to insure than other models, such as the RAV4 Adventure, or RAV4 Prime XSE. Check out the table below to see the average cost of auto insurance for some other popular Toyota RAV4 trims, and where the Toyota RAV4 Limited falls in terms of pricing.
| Car Model & Trim | Average State Minimal Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
RAV4 Toyota RAV4 Adventure | $73 | $134 |
RAV4 Toyota RAV4 SE | $75 | $157 |
RAV4 Toyota RAV4 Prime XSE | $76 | $169 |
RAV4 Toyota RAV4 TRD OFF Road | $76 | $183 |
RAV4 RAV4 | $82 | $134 |
$83 | $155 | |
$88 | $153 | |
RAV4 Toyota RAV4 Sport | $89 | $138 |
$96 | $163 | |
$98 | $165 | |
RAV4 Toyota RAV4 XSE | $111 | $159 |
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Sean S.
Toyota RAV4 Limited insurance cost by model year
Model year is a key factor in determining the cost of car insurance on Toyota RAV4s. That’s because each model year has unique safety ratings and features that may affect its accident risk and replacement cost.
Generally, a new car or newer models cost more to insure because they have higher MSRP and cash value. Older Toyotas, on the other hand, usually cost less to insure.
2023 Toyota RAV4 Limited car insurance quotes
Expect this newer model to cost more to insure. Here’s what RAV4 drivers have paid for car insurance coverage via Jerry on their 2023 Limited models.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Anchor General | $85 | Leila, 39 | • State Minimum Liability |
Last Updated Apr 19, 2024 2022 Toyota RAV4 Limited car insurance quotes
Here’s a sample of insurance rates from real drivers who own a 2022 RAV4 Limited. Remember that rates are highly individual, so you might pay less or more for coverage on the same model.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2022 | Progressive | $316 | Hester, 34 | • State Minimum Liability • Comp / Collision |
2022 | Anchor General | $144 | Micheal, 53 | • State Minimum Liability |
Last Updated Apr 13, 2024 2021 Toyota RAV4 Limitedcar insurance quotes
2021 is still considered a newer model. Here’s what you can expect to pay for car insurance on a Toyota RAV4 Limited from 2021, based on other Jerry drivers.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2021 | Progressive | $139 | Mayme, 28 | • 50,000/100,000 Liability • Comp / Collision |
2021 | Safeco | $108 | Bradley, 29 Perry, NY | • 100,000/300,000 Liability • Comp / Collision |
2021 | AAA | $288 | Lottie, 39 | • 100,000/300,000 Liability • Comp / Collision |
2021 | Travelers | $262 | Annie, 32 | • 100,000/300,000 Liability • Comp / Collision |
2021 | Mercury | $102 | Esther, 39 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024The good news is that, once your car turns three years old, you can typically find more affordable coverage. Check out these insurance costs for drivers with three-year-old and older Toyota RAV4 Limiteds.
2020 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2020 | Progressive | $172 | Matilda, 63 | • 50,000/100,000 Liability • Comp / Collision |
2020 | Travelers | $62 | Jerome, 37 Richmond, ME | • 100,000/300,000 Liability • Comp / Collision |
2020 | Allstate | $147 | Katharine, 35 | • State Minimum Liability • Comp / Collision |
2020 | Nationwide | $116 | Keith, 72 | • State Minimum Liability • Comp / Collision |
2020 | Clearcover | $214 | Amanda, 43 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 18, 2024 2019 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Safeco | $170 | Bess, 32 | • 100,000/300,000 Liability • Comp / Collision | |
| AAA | $164 | Madge, 29 | • State Minimum Liability • Comp / Collision | |
| Allstate | $130 | Marc, 24 | • 100,000/300,000 Liability • Comp / Collision | |
| Nationwide | $65 | Russell, 45 Solon, OH | • 100,000/300,000 Liability • Comp / Collision | |
Clearcover | $231 | Abbie, 29 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024 2018 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2018 | AAA | $185 | Mina, 33 | • 50,000/100,000 Liability • Comp / Collision |
2018 | Bristol West | $75 | Ida, 59 Oakland, MS | • State Minimum Liability • Comp / Collision |
2018 | National General | $173 | Stephen, 55 | • State Minimum Liability • Comp / Collision |
2018 | Mercury | $150 | Lee, 54 | • 15,000/30,000 Liability • Comp / Collision |
2018 | Encompass | $112 | Leona, 75 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 17, 2024 2017 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2017 | Progressive | $89 | Floyd, 43 | • 50,000/100,000 Liability • Comp / Collision |
2017 | Travelers | $159 | Craig, 25 | • 100,000/300,000 Liability • Comp / Collision |
2017 | Safeco | $111 | Rebecca, 30 | • 100,000/300,000 Liability • Comp / Collision |
2017 | National General | $178 | Loretta, 26 | • State Minimum Liability • Comp / Collision |
2017 | Mercury | $104 | Henrietta, 36 | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Apr 14, 2024 2016 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2016 | Progressive | $99 | Mayme, 44 | • 25,000/50,000 Liability • Comp / Collision |
2016 | Nationwide | $134 | Mitchell, 33 | • 100,000/300,000 Liability • Comp / Collision |
2016 | National General | $97 | Keith, 31 | • 50,000/100,000 Liability • Comp / Collision |
2016 | Plymouth Rock | $86 | Herman, 20 | • State Minimum Liability |
2016 | Clearcover | $219 | Bernard, 28 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024 2015 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2015 | Mercury | $189 | Louise, 30 | • 50,000/100,000 Liability • Comp / Collision |
2015 | Bristol West | $258 | Jeffery, 51 | • State Minimum Liability • Comp / Collision |
2015 | National General | $164 | Charlie, 30 | • State Minimum Liability • Comp / Collision |
2015 | Clearcover | $122 | Wayne, 42 | • 50,000/100,000 Liability • Comp / Collision |
2015 | Mapfre | $207 | Addie, 24 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024 2014 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2014 | AAA | $149 | Alfred, 62 | • 50,000/100,000 Liability • Comp / Collision |
2014 | Travelers | $71 | Katherine, 29 | • 100,000/300,000 Liability • Comp / Collision |
2014 | Allstate | $177 | Danny, 59 | • 30,000/85,000 Liability • Comp / Collision |
2014 | Safeco | $98 | Mary, 61 | • State Minimum Liability • Comp / Collision |
2014 | Plymouth Rock | $123 | Troy, 33 | • State Minimum Liability |
Last Updated Apr 14, 2024 2013 Toyota RAV4 Limited car insurance quotes
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2013 | Travelers | $274 | Eleanor, 25 | • 50,000/100,000 Liability • Comp / Collision |
2013 | Allstate | $133 | Walter, 30 | • 100,000/300,000 Liability • Comp / Collision |
2013 | Safeco | $74 | Jeffery, 60 | • 100,000/300,000 Liability • Comp / Collision |
2013 | Infinity | $220 | Theresa, 45 | • State Minimum Liability • Comp / Collision |
2013 | Mercury | $130 | Caleb, 54 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024Are Toyota RAV4 Limiteds expensive to insure?
Expect to spend more than the average for similar models to insure your Toyota RAV4 Limited. Here are the costs for closely related models to help you compare:
| Model | Average State Minimal Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
$35 | $117 | |
$42 | $66 | |
$61 | $151 | |
$81 | $87 | |
Toyota GR86 | $82 | $198 |
$82 | $134 | |
$85 | $178 | |
$87 | $130 | |
$87 | $200 | |
$87 | $139 | |
$88 | $262 | |
$91 | $160 | |
Toyota Sequoia | $91 | $161 |
$92 | $159 | |
Toyota C-HR | $97 | $172 |
$98 | $168 | |
$99 | $188 | |
$100 | $198 | |
Toyota FJ | $103 | $150 |
$106 | $156 | |
Toyota 4Runner | $109 | $149 |
$110 | $218 | |
$113 | $187 | |
$119 | $207 | |
$129 | $140 | |
$138 | $199 |
When calculating rates, companies pay attention to risk factors. This includes replacement and repair costs as well as accident rates and theft rates. Safety features are also critical, too. Safer cars are less likely to get into an accident and trigger a claim, so they usually cost less to insure.
Here’s where the Toyota RAV4 Limited rates in terms of safety, according to the Insurance Institute for Highway Safety (IIHS).
| Rating Type | Rating |
|---|---|
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 |
Compare insurance costs for other cars
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.
