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Toyota RAV4 Hybrid insurance rates

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Average Toyota RAV4 Hybrid insurance rates

The RAV4 Hybrid is a more efficient and sustainable take on the original RAV4. It comes with the same great design and features found on the standard version, but with a hybrid engine that puts out almost 200 horsepower through an all-wheel-drive system.

According to our estimates, the average cost of insurance for a Toyota RAV4 Hybrid is $220 a month — or $2,640 a year, almost exactly double the national average of $1,318. Hybrid vehicles are often more expensive to insure than gas or diesel vehicles, which may be one of the reasons for the high estimate. The price of auto insurance is determined by a number of driver, vehicle and location-specific factors, so it’s important to get multiple quotes to find out exactly how much you’ll pay.

Companies that offer auto insurance for Toyota RAV4 Hybrid

State Farm. With over 45 million active policies from coast to coast, State Farm is the largest auto insurance provider in the country. It’s home to a wide range of customizable policies and a network of over 18,000 dedicated agents that provide one-on-one service.

Nationwide. Nationwide is a top-rated auto insurance provider that sells a selection of coverage options in all 50 states. It offers amazing customer service, a great rewards program, free roadside assistance and a number of other features that make it stand out.

Esurance. Established barely 20 years ago, Esurance is has become a top-rated auto insurance provider that is best known for its modern, digital approach to auto insurance. It sells coverage in almost every state both online and by phone.

Compare insurance providers that cover Toyota RAV4 Hybrid

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
Included free
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How to compare insurance for the Toyota RAV4 Hybrid

Whether you’re thinking about getting a new vehicle or are just looking to find the best way to protect your RAV4 hybrid, auto insurance can be a lifesaver. While shopping for insurance can be frustrating and often expensive, it can protect your vehicle in a number of scenarios. If you’re still not convinced, coverage is mandatory in almost every state, so you’ll need to start shopping. Here’s what you should know:

  • Price. The best way to compare your options is to get quotes from multiple providers using the same personal information. This will allow you to get the best price on the coverage you need.
  • Deductible. Choosing a lower deductible may lead to higher monthly premiums, whereas opting for a higher deductible could help you save. Find a number that works for your situation.
  • Minimum coverage. Almost every state has a mandatory minimum for auto insurance coverage. Before purchasing a policy, you’ll need to make sure it meets your state’s minimums.
  • Additional coverage. If your policy doesn’t offer all of the protection you need, ask your provider what additional coverage options are available.
  • Extras. Since coverage and policy features can vary between providers, it’s important to find out what’s included with each policy before committing to anything.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Toyota RAV4 Hybrid?

The cost of auto insurance can vary significantly depending on your choice of vehicle. This is because every make and model has different theft rates, repair costs, safety features and other details. And since providers calculate your premiums according to your chances of filing claims and the cost of paying them out, you may find that some vehicles are much more expensive to insure than others. Here’s how a few of the RAV4 Hybrid’s characteristics could affect your cost of insurance.

  • Body type. The RAV4 Hybrid is a four-door compact SUV that is best suited for road trips, commuting, daily driving and other low-risk activities. This could help reduce the cost of car insurance.
  • Type of car. The Toyota RAV4 Hybrid is a compact SUV that provides a smooth and comfortable drive. This should make for affordable insurance premiums.
  • Theft. The RAV4 has one of the highest theft rates for SUVs and crossovers. This may increase the cost of auto insurance.
  • Repairs. While the RAV4 is generally inexpensive to repair, the increased cost of repairing the hybrid engine could lead to higher insurance premiums.
  • Safety ratings. The RAV4 Hybrid has great crash test ratings in nearly every category. This may reduce the cost of coverage.
  • Fuel type. Hybrid vehicles often have higher average repair costs after accidents, which could lead to higher premiums.
  • Trim & packages. Choosing trims or packages that increase power or overall value may lead to higher premiums. That said, options that improve visibility and safety may be eligible for auto insurance discounts.

Toyota RAV4 Hybrid money-saving safety features

You could save money on car insurance for your Toyota RAV4 if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Toyota RAV4 Hybrid qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Toyota RAV4:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Toyota RAV4 Hybrid safety & reliability ratings

Just like the standard Toyota RAV4, the RAV4 Hybrid gets a 9.3/10 for safety from U.S. News and J.D. Power. It also holds the same near-perfect crash test ratings as the standard, gasoline model.

The RAV4 Hybrid gets a 4/5 star rating from U.S. News and J.D. Power for reliability. That said, you should keep in mind that hybrid vehicles generally cost more to repair.

Toyota RAV4 Hybrid maintenance

Just like the standard RAV4, the RAV4 Hybrid is considered a very reliable vehicle. It has impressive reliability ratings and a fairly low average repair cost, which, combined with increased mileage, could help to reduce ownership costs. With that being said, bringing your RAV4 Hybrid in for routine oil changes, inspections and other basic maintenance can help extend the life of your vehicle and reduce the chances of any unexpected issues. Here’s what you need to know:

  • Toyota recommends an oil change every 5,000 miles or 5 months, whichever comes first.
  • Oil changes for a Toyota RAV4 Hybrid should cost between $75 and $125, but your actual cost could vary.
  • The RAV4 Hybrid has an average annual repair cost of over $221, which is below average for similar vehicles.
  • Consult your owners manual or contact your dealership for more information on the Toyota RAV4’s maintenance schedule.

Is an extended warranty worth it for the Toyota RAV4 Hybrid?

The RAV4 Hybrid comes with Toyota’s standard 3-year/36,000 mile limited warranty, along with a 5-year/60,000-mile powertrain warranty and 5-year corrosion coverage. The standard warranty covers all parts other than normal wear such as oil and air filters, tires and so on. New Toyota vehicles also come with two years or 25,000 miles of ToyotaCare, which covers scheduled maintenance and 24/7 roadside assistance.

It’s unclear whether or not Toyota offers any extended warranty options, but you should ask your dealer for more information. That said, Toyota vehicles are extremely reliable and have low average repair costs, so you should decide whether the price of an extended warranty is worth the cost.

About the Toyota RAV4 Hybrid

Toyota RAV4 Hybrid Insurance FinderThe Toyota RAV4 Hybrid has been around since 2015. The compact SUV is known for its excellent fuel economy, large cargo space and more standard features than its competition. In 2016, there were over 45,000 sales in the United States alone.

Insurance companies determine the insurance cost for a Toyota RAV4 Hybrid based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on your driving history and location. If you’re considering a Toyota RAV4 Hybrid, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research to see if you qualify for insurance discounts.

Random Toyota facts

  • Toyota Motor Corporation was founded in 1937 and is known for manufacturing Japanese automobiles. The company came to the United States in 1957.
  • Since 2012, Toyota has produced more than 10 million cars per year. Toyota was the first automobile company to produce this many cars in a year.
  • Approximately 80 percent of Toyota vehicles that were sold 20 years ago are still being used today.
  • The Toyota Corolla is the fastest selling car available. On average, a Corolla model is sold every 27 seconds.
  • Toyota base prices start at $16,000 and can go up to $85,000.

Toyota RAV4 Hybrid car insurance rates

A 2017 Toyota RAV4 Hybrid starts at a base price of $29,030. With the average insurance rate at $2,640 per year, the annual insurance cost–to–base car price ratio is 9.1%.

Model Monthly insurance rate Base car price
4runner $227.00 $34,210
Avalon $170.00 $33,300
Camry $175.00 $23,070
Corolla $179.00 $18,500
Highlander $227.00 $30,630
Land Cruiser $162.00 $84,775
Mirai $220.00 $57,500
Prius $177.00 $23,475
Prius C $220.00 $20,150
Prius Prime $220.00 $27,100
Prius V $167.00 $26,675
RAV4 $167.00 $24,410
RAV4 Hybrid $220.00 $29,030
Sequoia $157.00 $45,560
Sienna $149.00 $29,750
Tacoma $142.00 $29,750
Tundra $135.00 $30,120
Yaris $181.00 $15,250
Yaris iA $220.00 $15,950

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Bottom line

The RAV4 Hybrid is a more efficient and sustainable take on the standard RAV4. It offers the same award-winning features that earned it near-perfect crash test ratings, which means it could be eligible for discounts. To find out what policy is best for your RAV4, you should compare your options from multiple providers.

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Frequently asked questions about the Toyota RAV4 Hybrid

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