2018 Toyota RAV4 Car Insurance Calculator

Observe in real-time how the choices you make influence insurance rates for a 2018 Toyota RAV4. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and RAV4 trim level. Get instant feedback if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2018 Toyota RAV4 is $1,750 per year, or about $146 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

$1,750

Cost Per Month

$146

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 2018 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.

$1,750
Average Rate
Your Rate
$1,750

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 2018 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 2018 Toyota RAV4 is $1,750.

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.

2018 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Ecosport$1,374-$376
2Nissan Kicks$1,408-$342
3Toyota C-HR$1,412-$338
4Jeep Compass$1,426-$324
5Subaru Crosstrek$1,442-$308
6Hyundai Kona$1,458-$292
7Honda CR-V$1,464-$286
8Mazda CX-3$1,472-$278
9Chevrolet Equinox$1,554-$196
10Honda HR-V$1,560-$190
11Mitsubishi Eclipse Cross$1,574-$176
12Mazda CX-5$1,606-$144
13Subaru Forester$1,622-$128
14Chevrolet Trax$1,628-$122
2018 Small SUV Average$1,649-$101
15Nissan Rogue$1,656-$94
16Buick Encore$1,666-$84
17Jeep Renegade$1,676-$74
18Mini Cooper$1,692-$58
19Hyundai Tucson$1,698-$52
20Kia Soul$1,702-$48
21Volkswagen Tiguan$1,716-$34
22Buick Envision$1,740-$10
23Toyota RAV4$1,750--
24Kia Sportage$1,754$4
25Mini Cooper Countryman$1,758$8
26Ford Escape$1,768$18
27Ford C-Max$1,798$48
28GMC Terrain$1,804$54
29Mini Cooper Clubman$1,826$76
30Chevrolet Bolt$1,830$80
31Mitsubishi Mirage$1,832$82
32Kia Niro$1,862$112
33Mitsubishi Outlander$1,880$130

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.

2018 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Toyota RAV4 Insurance Rates by Trim Level
2018 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,636$136
LE 4WD$1,636$136
XLE 2WD$1,636$136
Hybrid LE AWD$1,682$140
Adventure 2WD$1,692$141
XLE 4WD$1,692$141
Hybrid XLE AWD$1,724$144
Adventure 4WD$1,748$146
SE 2WD$1,748$146
Hybrid SE AWD$1,794$150
Limited 2WD$1,804$150
Limited 4WD$1,804$150
SE 4WD$1,804$150
Hybrid Limited AWD$1,836$153
Platinum 2WD$1,860$155
Platinum 4WD$1,916$160

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 2018 Toyota RAV4 for different driver ages.

2018 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,355$530
17$6,108$509
18$5,385$449
19$4,936$411
20$3,760$313
21$3,584$299
22$3,196$266
23$2,659$222
24$2,500$208
25$2,030$169
30$1,858$155
35$1,802$150
40$1,750$146
45$1,644$137
50$1,562$130
55$1,460$122
60$1,462$122
65$1,552$129
70$1,698$142
75$2,018$168
80$2,490$208

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.