2016 Toyota RAV4 Car Insurance Calculator

See in real-time how different factors impact car insurance rates for a 2016 Toyota RAV4. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2016 Toyota RAV4 is $1,598 per year, or about $133 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,598

Cost Per Month

$133

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota RAV4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Toyota RAV4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,598
Average Rate
Your Rate
$1,598

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Toyota RAV4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Toyota RAV4 is $1,598.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2016 Toyota RAV4 against all other models in the small SUV segment. The Toyota RAV4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota RAV4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota RAV4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,308-$290
2Honda CR-V$1,350-$248
3Buick Encore$1,376-$222
4Jeep Compass$1,386-$212
5Nissan Juke$1,388-$210
6Mazda CX-3$1,400-$198
7Mazda CX-5$1,434-$164
8Honda HR-V$1,442-$156
9Mini Cooper Countryman$1,452-$146
10Chevrolet Equinox$1,478-$120
11GMC Terrain$1,484-$114
12Chevrolet Trax$1,504-$94
2016 Small SUV Average$1,521-$77
13Nissan Rogue$1,522-$76
14Mini Cooper$1,528-$70
15Mini Cooper Clubman$1,530-$68
16Kia Sportage$1,540-$58
17Subaru Forester$1,542-$56
18Jeep Renegade$1,548-$50
19Hyundai Tucson$1,558-$40
20Ford Escape$1,588-$10
21Toyota RAV4$1,598--
22Kia Soul$1,602$4
23Buick Envision$1,616$18
24Ford C-Max$1,620$22
25Mitsubishi Outlander$1,634$36
26Mini Cooper Paceman$1,698$100
27Jeep Patriot$1,720$122
28Volkswagen Tiguan$1,738$140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Toyota RAV4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Toyota RAV4 Insurance Rates by Trim Level
2016 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,506$126
LE 4WD$1,506$126
XLE 2WD$1,554$130
XLE 4WD$1,554$130
Hybrid XLE AWD$1,602$134
SE 2WD$1,604$134
Limited 2WD$1,650$138
Limited 4WD$1,650$138
SE 4WD$1,650$138
Hybrid Limited AWD$1,698$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Toyota RAV4 for different driver ages.

2016 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,817$485
17$5,574$465
18$4,882$407
19$4,491$374
20$3,414$285
21$3,258$272
22$2,900$242
23$2,426$202
24$2,277$190
25$1,848$154
30$1,690$141
35$1,644$137
40$1,598$133
45$1,502$125
50$1,430$119
55$1,334$111
60$1,336$111
65$1,418$118
70$1,556$130
75$1,858$155
80$2,288$191

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota RAV4 trim levels.