The annual full coverage insurance cost for a Toyota RAV4 ranges from $966 to $5,607. Rates vary by the model year, age, address, driving history, coverage level and insurer. MoneyGeek breaks down RAV4 insurance costs and coverage, providing an in-depth look at the best and cheapest insurers.
Toyota RAV4 Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm has the lowest minimum coverage rate for all Toyota RAV4 model years at $484 annually.
For a Toyota RAV4, the average annual cost of minimum coverage is $608, while full coverage averages $1,287.
MoneyGeek analyzed data and 4,183 Toyota RAV4 insurance quotes from Quadrant Information Services to provide these insights and ensure reliable information.
Toyota RAV4 Insurance Rates
What Is the Average Toyota RAV4 Car Insurance Cost?
Toyota RAV4 full coverage insurance costs about $107 per month or $1,287 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $51 monthly or $608 yearly.
| Minimum Coverage | $608 |
| Full Coverage | $1,287 |
Read more: Average Cost of Car Insurance
Toyota RAV4 Insurance Costs by Company
Toyota RAV4 insurance costs range from $991 to $1,784 per year, depending on age, model year and coverage level. The table below compares average Toyota RAV4 insurance rates with averages for all vehicles from various providers.
| Allstate | $1,412 | $1,814 | -22% |
| Auto-Owners | $1,074 | $1,228 | -13% |
| Farmers | $1,615 | $1,958 | -18% |
| GEICO | $1,083 | $1,334 | -19% |
| Kemper | $1,784 | $2,215 | -19% |
| Nationwide | $1,387 | $1,589 | -13% |
| Progressive | $1,497 | $1,744 | -14% |
| State Farm | $1,094 | $1,270 | -14% |
| Travelers | $1,345 | $1,522 | -12% |
| USAA | $991 | $1,201 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Toyota RAV4 by Model Year
The year your Toyota RAV4 was produced can impact your insurance rates, with older models typically costing less. For example, a 2022 model has a full coverage rate of $1,406, while a 2009 model costs $1,172. Below are the average full and minimum coverage rates for each model year.
| 2022 | $602 | $1,406 |
| 2021 | $603 | $1,393 |
| 2020 | $588 | $1,378 |
| 2019 | $621 | $1,370 |
| 2018 | $628 | $1,355 |
| 2017 | $607 | $1,332 |
| 2016 | $633 | $1,309 |
| 2015 | $634 | $1,286 |
| 2014 | $612 | $1,270 |
| 2013 | $638 | $1,252 |
| 2012 | $638 | $1,235 |
| 2011 | $613 | $1,215 |
| 2010 | $635 | $1,193 |
| 2009 | $632 | $1,172 |
Toyota RAV4 Insurance Costs by Driver Age
Toyota RAV4 insurance rates vary greatly depending on the driver's age. For example, 16-year-olds pay around $5,607 annually for full coverage, while 40-year-olds pay about $1,298. Below are the average minimum and full coverage rates for RAV4 drivers across ages.
| 16 | $2,833 | $5,607 |
| 17 | $2,300 | $4,570 |
| 18 | $2,006 | $4,022 |
| 19 | $1,421 | $2,863 |
| 20 | $1,276 | $2,602 |
| 21 | $1,012 | $2,099 |
| 22 | $923 | $1,929 |
| 23 | $857 | $1,801 |
| 24 | $812 | $1,713 |
| 25 | $722 | $1,533 |
| 26 | $705 | $1,488 |
| 27 | $688 | $1,456 |
| 28 | $677 | $1,433 |
| 29 | $667 | $1,414 |
| 30 | $644 | $1,364 |
| 35 | $627 | $1,322 |
| 40 | $620 | $1,298 |
| 45 | $615 | $1,281 |
| 50 | $600 | $1,242 |
| 55 | $584 | $1,208 |
| 60 | $584 | $1,204 |
| 65 | $622 | $1,260 |
| 70 | $675 | $1,349 |
| 75 | $750 | $1,478 |
| 80 | $849 | $1,646 |
| 85 | $918 | $1,767 |
| 90 | $969 | $1,851 |
Toyota RAV4 Insurance Rates Explained
Several factors affect car insurance rates based on a driver’s profile. However, insurers also consider vehicle-related factors. Below is a breakdown of these cost factors.
Toyota RAV4 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Toyota RAV4
Average Full Coverage Rate
$1,287Premiums for Toyota RAV4 are average:$9 saved
This is 1% less expensive.
Value
The Toyota RAV4 has an MSRP of $39,690 and is classified as a compact SUV. Higher-priced vehicles typically have higher insurance premiums.
Repair costs
The Toyota RAV4's annual repair cost is $429, below the national average. Lower repair costs can mean cheaper insurance.
Performance
The Toyota RAV4 has 203 horsepower and a 0-to-60 time of 7.4 seconds, making it a moderate-performance vehicle. This may help keep insurance costs lower.
Vehicle age
Newer Toyota RAV4s usually cost more to insure, but classic or collector models can also have higher premiums.
Safety features
The Toyota RAV4 includes safety features like stability control, airbags and antilock brakes, which can qualify you for insurance discounts by reducing accident risks.
Vehicle size
The Toyota RAV4 is a compact SUV with a curb weight of 3,640 lbs, which may lead to lower insurance costs than larger vehicles, as it poses less risk for property damage.
Trim level
Higher trim levels of the Toyota RAV4, with premium upgrades, cost more to insure than the base model due to a higher MSRP.
Theft rates
The Toyota RAV4 has a theft claims frequency of 39, which may result in higher insurance rates due to the increased risk of theft.
Anti-theft features
The Toyota RAV4 includes anti-theft features, which may help reduce insurance costs by lowering theft risk.
Cheapest Toyota RAV4 Insurance
State Farm offers the lowest annual minimum coverage rate for a Toyota RAV4 at $484, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance by coverage level, age group, driving record and model year.
Cheapest Toyota RAV4 Insurance by Coverage Level
Your coverage level greatly affects your Toyota RAV4 insurance rate. State Farm offers the lowest average rate for minimum coverage, while GEICO provides the most affordable full coverage. Below is a breakdown of the cheapest providers for both types.
Cheapest Toyota RAV4 Minimum Coverage
State Farm offers the cheapest minimum coverage for a Toyota RAV4 at $40 per month. Other affordable options include GEICO at $41 and Travelers at $52.
| USAA | $35 | $421 |
| State Farm | $40 | $484 |
| GEICO | $41 | $493 |
| Travelers | $52 | $623 |
| Progressive | $56 | $669 |
| Nationwide | $56 | $676 |
| Allstate | $56 | $677 |
| Farmers | $61 | $727 |
*State Farm offers non-military-affiliated Toyota RAV4 owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Toyota RAV4 Insurance Rates by Model Year
Because the above list doesn't consider your Toyota RAV4's production year, you might find lower rates if your vehicle is older. Use the table below to find the cheapest minimum coverage rates for every model year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $679 | $57 |
| Farmers | $754 | $63 |
| GEICO | $543 | $45 |
| Nationwide | $713 | $59 |
| Progressive | $693 | $58 |
| State Farm | $465 | $39 |
| Travelers | $662 | $55 |
| USAA | $414 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Toyota RAV4 Insurance
GEICO offers the most affordable full coverage for a Toyota RAV4 at $88 monthly or $1,061 annually. See the complete list of full coverage insurance providers and rates below.
| USAA | $80 | $966 |
| GEICO | $88 | $1,061 |
| State Farm | $89 | $1,064 |
| Nationwide | $109 | $1,313 |
| Travelers | $111 | $1,332 |
| Allstate | $113 | $1,357 |
| Progressive | $120 | $1,435 |
| Farmers | $127 | $1,524 |
*On average, GEICO is the cheapest insurer for non-military-affiliated Toyota RAV4 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Toyota RAV4 Insurance by Age
Young drivers aged 16 to 25 and seniors 55 and up often face higher Toyota RAV4 insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest Toyota RAV4 Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Toyota RAV4 insurance with State Farm at $1,053 annually or $88 monthly for minimum coverage. Below is the complete list of affordable car insurance options for young adults.
| USAA | $73 | $871 |
| State Farm | $88 | $1,053 |
| GEICO | $98 | $1,177 |
| Travelers | $108 | $1,300 |
| Allstate | $131 | $1,574 |
| Nationwide | $148 | $1,780 |
| Progressive | $154 | $1,853 |
| Farmers | $163 | $1,956 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Toyota RAV4 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $531 yearly or $44 monthly. Check the full list of affordable Toyota RAV4 insurers below.
| State Farm | $44 | $531 |
| USAA | $47 | $559 |
| GEICO | $49 | $589 |
| Travelers | $62 | $748 |
| Nationwide | $66 | $793 |
| Allstate | $69 | $828 |
| Progressive | $71 | $854 |
| Farmers | $81 | $968 |
Cheapest Toyota RAV4 Insurance After an Accident
State Farm, GEICO and Travelers offer Toyota RAV4 drivers the most affordable car insurance after an accident. See the complete list below.
| State Farm | $50 | $605 |
| USAA | $53 | $641 |
| GEICO | $65 | $774 |
| Travelers | $75 | $896 |
| Allstate | $77 | $923 |
| Nationwide | $87 | $1,044 |
| Progressive | $91 | $1,087 |
| Farmers | $119 | $1,426 |
Toyota RAV4 Insurance Cost: Bottom Line
Make it a habit to compare insurance rates from different providers to find the best deal. This article explores Toyota RAV4 insurance costs, covering various demographic groups and highlighting the most affordable providers.
Toyota RAV4 Insurance Rates: FAQ
Below are frequently asked questions about Toyota RAV4 insurance costs:
What company has the cheapest car insurance for a Toyota RAV4?
State Farm offers the cheapest insurance for a Toyota RAV4, with an annual minimum coverage rate of $484.
What is the average cost of car insurance for a Toyota RAV4?
The average annual cost of minimum coverage insurance for a Toyota RAV4 is $608, while full coverage averages $1,287.
Toyota RAV4 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Toyota RAV4 insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Toyota RAV4:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Toyota RAV4 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Toyota RAV4.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.