Toyota RAV4 insurance group and cost

Toyota RAV4 car models fall within car insurance groups 25-30, which means the cost of your premium should fall somewhere in the middle in comparison to other makes and models.

However, the costs may vary slightly between different Toyota RAV4 insurance groups due to differing factors such as the trim levels, engine size and safety features. For example, a 30-year-old driver in an average postcode could pay around £679 for cover on a Toyota RAV4 Hybrid 2.5 5d, or around £896 for a Toyota RAV4 Dynamic AWD Hybrid 2.5 VVT-i auto 5d.

Using the table below, you can find out the insurance group of your Toyota RAV4 model, and how much you’re likely to pay for your car insurance.

Toyota RAV4 insurance groups and average cost by driver’s age

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

Toyota RAV4 insurance cost by location

There’s a number of factors that affect the cost of your insurance premium, one of the biggest being your location.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota RAV4 Excel FWD Hybrid 2.5 VVT-i auto 5d.

• Expensive: £1,220 (London SE1)
• Average: £585 (Newcastle NE1)
• Cheap: £625.65 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect the insurance rate for my Toyota RAV4?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

• Engine type and capacity. As a general rule of thumb, the bigger the engine, the more you will pay for your car insurance. However, Toyota RAV4s are built with a 2.5-litre engine as standard so the size of the engine shouldn’t impact the cost in this circumstance.
• Driver location. Insurers factor in the number of claims and the likelihood of theft or damage when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £1,402 for insurance for a Toyota RAV4 Design AWD Hybrid 2.5 VVT-i auto 5d, while the same 30-year-old in Newcastle may only pay £743.
• Driver age. In terms of cost, your age is probably the most significant factor that insurers look at when calculating the cost of your insurance. The average 20-year-old driver in London could pay £25,585 for the Toyota RAV4 Dynamic AWD Hybrid 2.5 VVT-i auto 5d, while the average 40-year-old Londoner will only pay £2,310.

However, there are other factors that can also impact the price of your premium. These include:

• Your relationship status
• Your credit history
• Your job title
• Your car’s safety rating, security and anti-theft precautions
• Likelihood of theft
• The model and age of your car
• Your driving activity
• Your driving history
• No claim discount

How can I save on my Toyota RAV4 premium?

It’s a well-known fact that insuring a vehicle can be an expensive outlay. If you add this to additional costs such as car tax, petrol, MOTs, servicing and maintenance, it can cost a lot to be on the road.

Thankfully, there are a few things you can do to reduce your car insurance premium for your Toyota RAV4, and we’ve listed them below:

• Drive safe. It may sound obvious, but having driving convictions on your record will make your premium more expensive.
• Be economical about your car usage. You could save money on your insurance by not using your car as often. Opting for public transport or walking when you can will help keep your mileage, and premium, lower.
• Pay annually rather than monthly. By paying annually, you won’t have to pay interest on monthly instalments.
• Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
• Shop around at renewal time. When it’s time for renewal, make sure you compare your options – you’ll be surprised at how much you could save by looking around for a cheaper quote.

Bottom line

The Toyota RAV4 is an exciting SUV, which provides a lot of comfort and power. It will cost slightly above the average rate to insure it, but the tips in this guide will help you cut your premiums somewhat.

Frequently asked questions

• What is the top speed of a Toyota RAV4?

  Toyota RAV4s can reach a top speed of 111.8mph.

• Is the Toyota RAV4 safe?

  The Toyota RAV4 was awarded five stars out of five under the 2019 Euro NCAP safety analysis. The Toyota RAV4 scored well across the board, with high scores for both adult occupant safety (93%) and child occupant safety (87%).

• How much car tax do I have to pay for the Toyota RAV4?

  The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Toyota RAV4?

  You can buy a Toyota RAV4 by visiting your local Toyota retailer. There is also a range of used Toyota RAV4s available to buy through various motor resellers and websites such as AutoTrader.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 368 Finder guides across topics including:

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