Toyota RAV4 Insurance Cost

Auto insurance for a Toyota RAV4 will cost about $1,534 per year.

This beats the national average for popular SUV models by $533. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a RAV4.

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

These Toyota RAV4 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Toyota RAV4 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,198 $7,742 $9,151
18 $4,844 $7,215 $8,528
19 $4,281 $6,376 $7,537
20 $3,732 $5,559 $6,572
21 $3,130 $4,662 $5,511
22 $3,048 $4,541 $5,367
23 $2,667 $3,973 $4,696
24 $2,534 $3,774 $4,462
25 $2,187 $3,257 $3,850
30 $1,703 $2,537 $2,999
35 $1,595 $2,376 $2,809
40 $1,534 $2,286 $2,702
45 $1,493 $2,224 $2,629
55 $1,369 $2,040 $2,411
65 $1,428 $2,128 $2,515
75 $1,803 $2,685 $3,174

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 $1,626 $2,277 $2,850
Alaska $1,345 $1,959 $2,052
Arizona $1,520 $2,358 $3,363
Arkansas $1,667 $2,525 $2,824
California $1,856 $3,246 $1,856
Colorado $1,732 $2,398 $2,991
Connecticut $2,213 $3,421 $4,382
Delaware $1,832 $2,522 $3,348
Florida $2,181 $2,962 $3,862
Georgia $1,778 $2,740 $2,812
Hawaii $710 $980 $710
Idaho $1,234 $1,661 $2,067
Illinois $1,292 $1,909 $2,214
Indiana $1,327 $2,074 $2,420
Iowa $1,051 $1,577 $1,837
Kansas $1,398 $2,059 $2,439
Kentucky $2,021 $3,041 $3,576
Louisiana $2,595 $3,966 $4,270
Maine $981 $1,316 $1,920
Maryland $1,588 $2,328 $2,749
Massachusetts $1,273 $2,154 $1,273
Michigan $3,073 $4,620 $7,103
Minnesota $1,265 $1,699 $2,515
Mississippi $1,527 $2,307 $2,436
Missouri $1,439 $1,982 $2,563
Montana $1,463 $2,289 $2,525
Nebraska $1,237 $1,751 $1,991
Nevada $2,040 $3,079 $3,378
New Hampshire $1,419 $2,287 $2,912
New Jersey $1,563 $2,465 $3,179
New Mexico $1,596 $2,297 $2,580
New York $1,479 $1,926 $3,108
North Carolina $917 $1,480 $1,140
North Dakota $1,254 $1,931 $2,451
Ohio $1,118 $1,829 $1,895
Oklahoma $1,786 $2,682 $3,042
Oregon $1,625 $2,455 $2,816
Pennsylvania $1,369 $2,070 $2,376
Rhode Island $2,286 $3,507 $4,011
South Carolina $1,552 $2,246 $3,205
South Dakota $1,393 $1,916 $2,299
Tennessee $1,638 $2,450 $3,091
Texas $1,649 $2,428 $3,047
Utah $1,403 $2,029 $2,798
Vermont $1,080 $1,727 $1,888
Virginia $1,017 $1,532 $1,628
Washington $1,347 $2,024 $2,386
West Virginia $1,355 $1,974 $2,437
Wisconsin $1,351 $1,972 $2,395
Wyoming $1,261 $1,853 $2,072

Other Important Costs of Owning a Toyota RAV4

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Toyota RAV4 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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