Toyota RAV4 insurance group and cost

Compare car insurance costs for the Toyota RAV4 based on the model version, the driver's age and their location.

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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 £868 for cover on a Toyota RAV4 Hybrid 2.5 5d, or around £906 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

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Icon (Toyota Touch 2 with Go) FWD Hybrid 2.5 VVT-i auto 5d 25 £1,496 £868 £761 £614 Get Quote
Icon FWD Hybrid 2.5 VVT-i auto 5d 25 £1,496 £868 £761 £614 Get Quote
Design FWD Hybrid 2.5 VVT-i auto 5d 26 £1,521 £882 £773 £624 Get Quote
Design AWD Hybrid 2.5 VVT-i auto 5d 28 £1,556 £902 £791 £638 Get Quote
Excel FWD Hybrid 2.5 VVT-i auto 5d 26 £1,521 £882 £773 £624 Get Quote
Excel (JBL Premium sound system & Skyview Panoramic Roof) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel (JBL Premium sound system & Skyview Panoramic Roof) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel (JBL Premium sound system) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel (JBL Premium sound system) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel (Skyview Panoramic Roof) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel (Skyview Panoramic Roof) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Excel AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic FWD Hybrid 2.5 VVT-i auto 5d 27 £1,541 £894 £783 £632 Get Quote
Dynamic (JBL Premium sound system & Skyview Panoramic Roof) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic (JBL Premium sound system & Skyview Panoramic Roof) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic (JBL Premium sound system) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic (JBL Premium sound system) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic (Skyview Panoramic Roof) AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic (Skyview Panoramic Roof) FWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote
Dynamic AWD Hybrid 2.5 VVT-i auto 5d 30 £1,562 £906 £794 £641 Get Quote

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: £1,010 (London SE1)
  • Average: £882 (Newcastle NE1)
  • Cheap: £683 (Galashiels TD1)

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 £1,033 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 £902.
  • 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 £1,819 for the Toyota RAV4 Dynamic AWD Hybrid 2.5 VVT-i auto 5d, while the average 40-year-old Londoner will only pay £953.

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.

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*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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