Compare Toyota RAV4 car insurance rates | finder.com

Toyota RAV4 insurance rates

Average Toyota RAV4 insurance rates

Last updated:

Toyota RAV4

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

Car insurance for the RAV4

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.

Compare insurance providers that cover Toyota RAV4

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, 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.

Compare up to 4 providers

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.

Car insurance rates for Toyota RAV4 by year

YearProgressiveGeicoState FarmAverage
2009$184$163$155$167
2010$184$163$167$171
2011$185$148$162$165
2012$185$148$174$169
2013$183$148$172$168
2014$182$148$175$168
2015$269$238$190$232
2016$277$234$200$237
2017$278$238$214$243
2018$279$244$213$245
2019$283$251$221$252

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.

Does the Toyota RAV4 qualify for auto insurance discounts?

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

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

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Toyota RAV4 safety & reliability ratings

The 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.

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.

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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site