Toyota RAV4 Insurance Cost

Auto insurance for a Toyota RAV4 will cost about $1,410 per year.

This beats the national average for popular SUV models by $484. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Toyota RAV4.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Toyota RAV4 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Toyota RAV4 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $4,776 $7,013 $8,204
18 $4,451 $6,536 $7,646
19 $3,933 $5,776 $6,757
20 $3,430 $5,036 $5,892
21 $2,876 $4,223 $4,941
22 $2,801 $4,113 $4,812
23 $2,451 $3,599 $4,210
24 $2,328 $3,419 $4,000
25 $2,009 $2,951 $3,452
30 $1,565 $2,298 $2,689
35 $1,466 $2,153 $2,518
40 $1,410 $2,070 $2,422
45 $1,372 $2,015 $2,357
55 $1,258 $1,848 $2,162
65 $1,313 $1,927 $2,255
75 $1,657 $2,433 $2,846

Toyota RAV4 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Toyota RAV4 by state.

Toyota RAV4 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,494 $2,170 $2,762
Alaska $1,236 $1,713 $1,665
Arizona $1,397 $2,020 $2,975
Arkansas $1,532 $2,406 $2,650
California $1,705 $3,016 $1,705
Colorado $1,591 $2,227 $2,826
Connecticut $2,033 $3,153 $4,002
Delaware $1,683 $2,243 $2,881
Florida $2,004 $2,773 $3,613
Georgia $1,634 $2,443 $2,463
Hawaii $653 $886 $653
Idaho $1,134 $1,503 $1,827
Illinois $1,187 $1,794 $2,045
Indiana $1,219 $1,864 $2,092
Iowa $966 $1,324 $1,557
Kansas $1,285 $1,869 $2,187
Kentucky $1,857 $2,727 $3,220
Louisiana $2,384 $3,604 $3,908
Maine $902 $1,246 $1,840
Maryland $1,459 $2,124 $2,359
Massachusetts $1,170 $2,041 $1,170
Michigan $2,824 $4,303 $6,787
Minnesota $1,162 $1,550 $2,182
Mississippi $1,403 $2,001 $2,014
Missouri $1,322 $1,890 $2,483
Montana $1,344 $1,876 $2,183
Nebraska $1,136 $1,680 $1,826
Nevada $1,874 $2,780 $2,937
New Hampshire $1,304 $2,062 $2,606
New Jersey $1,436 $2,254 $2,949
New Mexico $1,467 $2,182 $2,265
New York $1,359 $1,711 $2,856
North Carolina $842 $1,447 $1,032
North Dakota $1,153 $1,752 $2,072
Ohio $1,028 $1,585 $1,625
Oklahoma $1,641 $2,350 $2,646
Oregon $1,493 $2,004 $2,393
Pennsylvania $1,258 $1,847 $2,161
Rhode Island $2,100 $3,081 $3,469
South Carolina $1,426 $1,977 $2,728
South Dakota $1,280 $1,844 $2,128
Tennessee $1,505 $2,215 $2,950
Texas $1,516 $2,190 $2,723
Utah $1,289 $1,807 $2,486
Vermont $992 $1,528 $1,615
Virginia $935 $1,435 $1,407
Washington $1,238 $1,680 $2,006
West Virginia $1,245 $1,783 $2,234
Wisconsin $1,241 $1,938 $2,210
Wyoming $1,159 $1,623 $1,728

Toyota RAV4 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Toyota RAV4 ranks for Insurance compared to other vehicles. Also check out how the RAV4 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Toyota RAV4 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Toyota RAV4 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: