Compare the Cost of Toyota RAV4 Insurance by Model Year and Company

Q: What company offers the best car insurance for a Toyota RAV4?

You can find the best car insurance for a Toyota RAV4 from State Farm , which has a MoneyGeek score of 90 out of 100. The company charges an average of $1,060 per year for a policy. It ranked well for affordability and customer satisfaction.

Toyota RAV4 insurance costs $1,334 per year, which is cheaper than most models. State Farm offers the cheapest policy for this vehicle, but rates can vary based on model year, the driver’s age and your chosen insurer.

By Mark Fitzpatrick

Edited by Scott Strandberg

Updated: October 25, 2024

Advertising & Editorial Disclosure

Insurance rates will differ based on the driver's age. The average annual policy cost for a 16-year-old insuring a 2009 Toyota RAV4 is $5,500, but a 40-year-old only pays an average of $1,191 for the same model.

Similarly, a 16-year-old insuring a 2022 Toyota RAV4 will pay an average of $6,365 per year for a policy, while the insurance cost for a 40-year-old driver will be an average of $1,417 per year. MoneyGeek also scored insurers that offer the best coverage with a balance between affordability, service and claims experience.

Key Takeaways

Insuring a Toyota RAV4 averages $1,334 per year or $111 per month. This cost is cheaper than for many other vehicles due to its low MSRP, low horsepower, and minimal theft rate.

State Farm offers the cheapest full coverage for a Toyota RAV4 at $1,060 per year. The most expensive option is Farmers at $1,561 per year, a potential savings of $501.

Insuring a 2009 Toyota RAV4 costs around $1,191 annually, while a 2022 model costs approximately $1,417 per year. Newer models generally have higher insurance costs due to their higher market value.

Car Insurance CostsToyota RAV4

2024

Table of Contents

Cheapest Insurer - State Farm

Best Insurer - State Farm

Runner-Up - GEICO

Costs by Model Year

Costs by Driver Age

Costs by Location

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Toyota RAV4.

These rates were updated to reflect the average cost of car insurance for a Toyota RAV4 as of 2023.

10Companies Compared

41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Toyota RAV4

The average cost of insuring a Toyota RAV4 is $1,334 annually, but the company you buy your policy from can affect how much you pay. State Farm provides the cheapest car insurance for this model, charging an average of $1,060 per year. Farmers is the most expensive insurer, with a policy costing an average of $1,561 annually.

State Farm is also the cheapest minimum coverage policy provider, charging an average of $484 annually. Farmers charges $765 annually for a policy, making it the most expensive provider.

Data filtered by:Results filtered by:

Age

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Age:40

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Coverage:Full Coverage


State Farm	$1,060
GEICO	$1,071
Travelers	$1,305
Nationwide	$1,312
Allstate	$1,354
Progressive	$1,451
Farmers	$1,561

Is a Toyota RAV4 Expensive to Insure?

Many factors affect the cost of car insurance for a given make and model. The Toyota RAV4 is cheaper to insure than many other vehicles due in large part to its low MSRP, low horsepower and minimal theft rate.

Best Companies for Insuring a Toyota RAV4

Before finalizing a provider, MoneyGeek recommends considering various factors besides policy cost. The best Toyota RAV4 insurance provider will offer you a smooth claims experience and great service. The following insurers offer the best car insurance for a Toyota RAV4:

State Farm: MoneyGeek score of 90 out of 100 ($1,060 per year)
GEICO: MoneyGeek score of 90 out of 100 ($1,071 per year)

State Farm had the highest score for affordability and the second-highest score for customer satisfaction.

MoneyGeek Top Pick: State Farm

pros

Ranks #1 for affordability out of seven insurers

Ranks #2 for customer satisfaction

Offers rental car reimbursement and roadside assistance

cons

Poor ranking for claims management

Does not offer many coverage options

COMPANY HIGHLIGHTS

Toyota RAV4 owners looking for unique coverage options might be disappointed by State Farm, but the company offers the most affordable rates and scores well for customer satisfaction. It provides common coverages like rental car reimbursement and roadside assistance.

If the Toyota RAV4 breaks down, State Farm’s roadside assistance coverage will help you get back on the road and pay for mechanical labor, locksmith labor, towing and oil, gas and battery delivery. The rental car reimbursement coverage will help you cover the cost of a rental vehicle while your car is being repaired after an accident. It can pay for travel and transportation expenses, meals, lodging and deductible repayment in case you cause an accident.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

pros

Ranks #2 for affordability

Ranks #3 for customer satisfaction

Offers mechanical breakdown insurance and accident forgiveness

cons

Doesn’t rank well for claims management

Doesn’t offer several common coverages

COMPANY HIGHLIGHTS

GEICO is another suitable option for insuring a Toyota RAV4. The company’s policy cost is slightly higher than State Farm, but it ranks well for customer satisfaction and provides various coverage options — including mechanical breakdown insurance, accident forgiveness and other common coverages.

Mechanical breakdown insurance can help you fix any mechanical problem in your car. This coverage is better than a typical dealer extended warranty because it covers all systems and parts of your vehicle. The insurer also usually offers this coverage at a lower cost than the dealer’s warranty.

With accident forgiveness coverage, your insurance premium won’t increase after an at-fault accident. Drivers over 21 and those who have been accident-free for five years will earn this coverage, while others will need to purchase it as an add-on.

Cost of Insuring a Toyota RAV4 by Model Year

Insurance companies charge an average of $1,191 annually to insure a 2009 Toyota RAV4, while the average cost of car insurance for a 2022 model is $1,417. You will generally pay higher insurance rates for a newer model than an older one because of the depreciation of the vehicle’s value.

Data filtered by:Results filtered by:

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Age:40

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Coverage:Full Coverage


2022	$1,417
2021	$1,394
2020	$1,353
2019	$1,364
2018	$1,351
2017	$1,303
2016	$1,307
2015	$1,287
2014	$1,244
2013	$1,254
2012	$1,239
2011	$1,196
2010	$1,206
2009	$1,191

Besides model year, rates will also vary based on your chosen insurer. State Farm charges the lowest to insure a 2009 Toyota RAV4 at an average of $915 annually. But the cheapest company for a 2022 model is GEICO, charging an average of $1,144 annually.

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Model Year:2022

Age

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Age:40

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Coverage:Full Coverage


GEICO	$1,144
State Farm	$1,199
Nationwide	$1,260
Travelers	$1,351
Progressive	$1,590
Allstate	$1,674
Farmers	$1,746

Cost of Insuring a Toyota RAV4 for 16- to 25-Year-Olds

If you’re in your teens or 20s, your car insurance rates will likely be higher than rates for those in their 30s. The average annual cost of Toyota RAV4 insurance for a 16-year-old is $5,900, while a 40-year-old pays an average of $1,293 per year. Find affordable teen car insurance by shopping around and comparing rates.

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Coverage:Full Coverage


16	$5,900
17	$4,799
18	$4,213
19	$2,912
20	$2,637
21	$2,028
22	$1,877
23	$1,745
24	$1,657
25	$1,497

The cost of teen car insurance can be significantly lower if parents include them on a family plan, as insurers generally charge higher rates for teens on individual plans.

State Farm is the cheapest insurer for a 16-year-old driver looking to insure a Toyota RAV4, charging an average of $3,800 annually. Farmers charges the highest rates for the same model, with a policy cost averaging $8,820 per year. Compare rates and shop around to find the cheapest insurer.

Data filtered by:Results filtered by:

Age

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Age:16

Model Year

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Model Year:2022

Coverage

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Coverage:Full Coverage


State Farm	$3,800
Nationwide	$4,899
Travelers	$5,274
GEICO	$5,293
Allstate	$7,774
Progressive	$8,367
Farmers	$8,820

How Does Location Affect the Cost of Toyota RAV4 Insurance?

The annual cost of car insurance for a Toyota RAV4 will depend on your model type, year and driver age — but your location will also significantly matter.

Your cheapest car insurance option may vary based on your location. Idaho has the most affordable rates for car insurance, while Florida has the highest. We recommend getting quotes from several of the cheapest insurers when shopping for a policy for a Toyota RAV4.

Data filtered by:Results filtered by:

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Age Group:30-59

Coverage

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Coverage:Full Coverage


Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Frequently Asked Questions About Toyota RAV4 Insurance

Drivers looking to insure a Toyota RAV4 often have policy cost and service quality concerns. MoneyGeek researched these frequently asked questions to provide more information.

What company has the cheapest car insurance for a Toyota RAV4?

The average cost of car insurance for a Toyota RAV4 is $1,334 per year, which is cheaper than the overall $2,415 average. State Farm provides the most affordable car insurance for this model, charging an average of $1,060 per year.

What company offers the best car insurance for a Toyota RAV4?

You can find the best car insurance for a Toyota RAV4 from State Farm, which has a MoneyGeek score of 90 out of 100. The company charges an average of $1,060 per year for a policy. It ranked well for affordability and customer satisfaction.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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