2020 Toyota RAV4 Car Insurance Calculator

View in real-time how different driver, vehicle, and coverage options impact the cost of car insurance for a 2020 Toyota RAV4. Customize factors such as driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2020 Toyota RAV4 is $1,962 per year, or about $164 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

$1,962

Cost Per Month

$164

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 2020 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.

$1,962
Average Rate
Your Rate
$1,962

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 2020 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 2020 Toyota RAV4 is $1,962.

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.

2020 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2020 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.

2020 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,580-$382
2Honda CR-V$1,638-$324
3Mazda CX-5$1,658-$304
4Mazda CX-30$1,664-$298
5Ford Ecosport$1,670-$292
6Toyota C-HR$1,676-$286
7Nissan Rogue Sport$1,686-$276
8Buick Envision$1,702-$260
9Chevrolet Trax$1,706-$256
10Nissan Kicks$1,708-$254
11Mitsubishi Eclipse Cross$1,710-$252
12Hyundai Kona$1,714-$248
13Hyundai Tucson$1,718-$244
14Kia Sportage$1,722-$240
15Kia Soul$1,736-$226
16Hyundai Venue$1,738-$224
17Chevrolet Equinox$1,742-$220
18Jeep Compass$1,756-$206
19Volkswagen Tiguan$1,774-$188
20Honda HR-V$1,784-$178
21Subaru Forester$1,792-$170
22Buick Encore$1,802-$160
23Nissan Rogue$1,808-$154
24Ford Escape$1,814-$148
25Subaru Crosstrek$1,820-$142
26GMC Terrain$1,826-$136
2020 Small SUV Average$1,835-$127
27Fiat 500X$1,886-$76
28Jeep Renegade$1,900-$62
29Toyota RAV4$1,962--
30Kia Niro$1,976$14
31Mini Cooper Countryman$2,014$52
32Mini Cooper$2,062$100
33Mitsubishi Mirage$2,092$130
34Chevrolet Bolt$2,100$138
35Mini Cooper Clubman$2,244$282
36Mitsubishi Outlander$2,280$318
37Hyundai Nexo$2,428$466

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.

2020 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Toyota RAV4 Insurance Rates by Trim Level
2020 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,798$150
LE 4WD$1,858$155
XLE Premium 2WD$1,858$155
XLE 2WD$1,920$160
XLE 4WD$1,920$160
Hybrid XLE AWD$1,964$164
XLE Premium 4WD$1,982$165
Hybrid LE AWD$2,024$169
Adventure 4WD$2,042$170
Limited 2WD$2,042$170
Limited 4WD$2,042$170
Hybrid XSE AWD$2,086$174

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 2020 Toyota RAV4 for different driver ages.

2020 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,108$592
17$6,849$571
18$6,064$505
19$5,548$462
20$4,232$353
21$4,035$336
22$3,599$300
23$2,983$249
24$2,806$234
25$2,276$190
30$2,082$174
35$2,018$168
40$1,962$164
45$1,838$153
50$1,746$146
55$1,630$136
60$1,634$136
65$1,738$145
70$1,896$158
75$2,248$187
80$2,774$231

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.