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Toyota RAV4 insurance rates

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Average Toyota RAV4 insurance rates

Initially released in 1994, the Toyota RAV4 is a popular compact crossover SUV that is currently in its fifth generation. Like most Toyota vehicles, the RAV4 has award-winning safety features and great crash test ratins that may help you save on insurance.

According to our estimates, the average cost of auto insurance for a Toyota RAV4 is $167 a month — or $2,004 a year. While this estimate is roughly $1,000 higher than the national average, your actual rates may vary. This is because the cost of auto insurance is influenced by a number of vehicle, driver and location-based factors.

About the Toyota RAV4

Toyota RAV4 Insurance FinderThe Toyota RAV4 has been around since 1994 and it is currently in its fifth generation. The compact SUV is known for its spacious interior and long list of standard features. In 2016, there were over 307,000 sales in the United States alone.

Insurance companies determine the insurance cost for a Toyota RAV4 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, 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.

Compare insurance providers that cover Toyota RAV4

Name Product Roadside assistance New car protection Available states
Allstate
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
Included free
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.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
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.
Esurance
Optional
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
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.
USAA
Included free
No
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

Auto insurance is one of those things that almost every driver needs but nobody wants to buy. Coverage can be expensive, providers often use confusing language and every one claims to have the best price. But as overwhelming as it may be, auto insurance is mandatory in almost every state, plus it can provide peace of mind that your vehicle is always protected. Here are a few factors to consider when shopping for coverage:

  • Price. While price is an important consideration, you’ll need to make sure the policies you’re comparing offer the same coverage. You can do this by using the same driver and vehicle details for each quote.
  • Deductible. Since your deductible amount can directly impact your monthly premiums, it’s important to choose an amount that fits your budget but won’t empty your wallet if you need to file a claim.
  • Minimum coverage. Coverage requirements vary by state, so it’s essential that you confirm that each policy meets your state’s minimum coverage amount before you buy.
  • Additional coverage. You may want to consider additional coverage like pet insurance or uninsured motorist coverage. Just keep in mind that these options will likely increase the cost of coverage.
  • Extras. Every policy comes with different features, so you should find out what’s included and what you’ll need to pay extra for.
  • 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.

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What factors affect car insurance rates for Toyota RAV4?

While your driving history, location and many other factors can affect your chances of getting into an accident, the vehicle you drive often has a much larger effect. This is because theft rates, performance, engine size, safety ratings and other details can vary from vehicle to vehicle. And since insurance providers calculate your premiums with respect to your risk and cost of filing claims, your vehicle choice can directly impact your rates. Here’s how:

  • Body type. The Toyota RAV4 is a compact SUV that’s designed for daily driving, hauling small loads of cargo and other low-risk driving behavior. This could help you save on auto insurance.
  • Type of car. The RAV4 is an affordable compact SUV. These types of vehicles generally aren’t too expensive to insure.
  • Theft. The RAV4 is one of the most frequently stolen SUVs and crossovers, which could increase the cost of coverage.
  • Repairs. The RAV4 has a low average repair cost, which could help bring down the cost of coverage.
  • Safety ratings. Aside from lackluster passenger-side crash tests, the RAV4 has amazing safety ratings. This may make insurance more affordable.
  • Fuel type. The standard Toyota RAV4 runs on gas, which should make coverage cheaper than the hybrid version.
  • 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 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 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

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Toyota RAV4 safety & reliability ratings

SUVs generally hold up well in the event of an accident, and the RAV4 is no exception. It holds a 9.3/10 rating from U.S. News and J.D. Power, along with the highest possible ratings in each IIHS crash test category.

The 2018 Toyota RAV4 gets a solid 4/5 star reliability rating from U.S. News and J.D. Power, which is better than the majority of other vehicles in its class.

Toyota RAV4 maintenance

The Toyota RAV4 is a moderately-priced compact SUV that is built for families, road trips, daily driving and other low-risk activities. Besides its impressive 4/5 star reliability rating, this vehicle comes packed with a number of safety and driver assistance features to provide an enjoyable, hassle-free driving experience. While it shouldn’t require much maintenance to keep it running, regular service appointments can prevent long-term issues from arising. 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 should cost between $75 and $125, but your actual cost could vary.
  • The RAV4 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?

The RAV4 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.

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 car insurance rates

A 2017 Toyota RAV4 starts at a base price of $24,410. With the average insurance rate at $2,004 per year, the annual insurance cost–to–base car price ratio is 8.2%.

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

Compare Toyota competitors

Find out what else Toyota has to offer or explore other vehicles from different manufacturers. Compare all car makes & models

Bottom line

Introduced in 1994, the RAV4 is a popular compact crossover SUV that is designed for commuting, errands and any other daily driving. Like most Toyotas, the RAV4 is very reliable, with ratings far above other vehicles in its class. Its reliability is one of the many factors that may reduce the cost of coverage, but you can compare your options to find out how else you could save.

Frequently asked questions about the Toyota RAV4

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Peter Carleton

Peter Carleton is a writer at finder.com who specializes in credit cards, life insurance, mortgages and more. In his free time, you can find him cooking, writing or honing his skills in WordPress development.

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