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How much does it cost to insure a Toyota RAV4?
I’d really love to buy a new SUV, but I’m worried about the cost of insurance on top of my other expenses. On average, how much would it cost to insure a Toyota RAV4?
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The
Toyota RAV4
is a great car with many convenient features. Unfortunately, it also costs about $1,436 per year to insure. As far as SUVs go, that isn’t too bad—but it still comes in at about $120 per month.Of course, the real cost depends on your model and circumstances. While an LE 2WD will only cost around $1,318 per year, a Hybrid XSE AWD costs around $1,534.
If that still seems outside your budget, you can try using these tips to find a lower insurance rate:
- Drop excess coverage. The above numbers reflect full coverage policies—which you may be required to purchase if you use a car loan. But if you’re buying the car out-of-pocket, then you don’t need to buy anything more than yourstate required minimum coverage.
- Agree on higher deductibles. Deductibles are the amount of money you pay before your insurance kicks in to help. That said, you can often secure lower monthly payments by agreeing to higher deductibles. While this could be problematic in the case of a serious accident, it may be worthwhile for a cautious driver who isn’t on the road too often.
- Use Jerry to compare quotes. The first offer you find will rarely be your best. WithJerry, you can compare personalized quotes from over 50 top providers like Progressive and Nationwide for free. That way, you know you’re getting the best available rate before settling on a policy.
Hopefully, one of these suggestions can help you find a lower insurance premium for your new car.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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