2021 Toyota RAV4 Car Insurance Calculator

Explore and learn how different factors affect the cost of insurance for a 2021 Toyota RAV4. Experiment with rate factors like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if the change results in higher or lower rates.

The average estimated car insurance premium for a 2021 Toyota RAV4 is $2,020 per year, or about $168 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

$2,020

Cost Per Month

$168

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 2021 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.

$2,020
Average Rate
Your Rate
$2,020

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 2021 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 2021 Toyota RAV4 is $2,020.

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.

2021 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624-$396
2Honda CR-V$1,688-$332
3Mazda CX-5$1,712-$308
4Mazda CX-30$1,714-$306
5Ford Ecosport$1,720-$300
6Toyota C-HR$1,726-$294
7Nissan Rogue Sport$1,736-$284
8Chevrolet Trax$1,744-$276
9Buick Envision$1,756-$264
10Nissan Kicks$1,760-$260
11Hyundai Kona$1,762-$258
12Hyundai Venue$1,768-$252
13Hyundai Tucson$1,770-$250
14Kia Sportage$1,774-$246
15Jeep Compass$1,780-$240
16Kia Soul$1,788-$232
17Mitsubishi Eclipse Cross$1,792-$228
18Chevrolet Equinox$1,794-$226
19Chevrolet Trailblazer$1,804-$216
20Honda HR-V$1,824-$196
21Volkswagen Tiguan$1,830-$190
22Subaru Forester$1,846-$174
23Nissan Rogue$1,864-$156
24Ford Escape$1,868-$152
25GMC Terrain$1,872-$148
26Subaru Crosstrek$1,876-$144
27Kia Seltos$1,884-$136
2021 Small SUV Average$1,890-$130
28Buick Encore$1,914-$106
29Volkswagen ID4$1,932-$88
30Fiat 500X$1,940-$80
31Ford Bronco Sport$1,946-$74
32Jeep Renegade$1,956-$64
33Toyota RAV4$2,020--
34Kia Niro$2,032$12
35Mini Cooper Countryman$2,078$58
36Mini Cooper$2,126$106
37Mitsubishi Mirage$2,152$132
38Chevrolet Bolt$2,160$140
39Mini Cooper Clubman$2,310$290
40Mitsubishi Outlander$2,350$330
41Hyundai Nexo$2,504$484

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.

2021 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota RAV4 Insurance Rates by Trim Level
2021 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,846$154
LE 4WD$1,912$159
XLE Premium 2WD$1,912$159
XLE 2WD$1,976$165
XLE 4WD$1,976$165
Hybrid XLE AWD$2,020$168
XLE Premium 4WD$2,040$170
Hybrid LE AWD$2,086$174
Adventure 4WD$2,104$175
Limited 2WD$2,104$175
Limited 4WD$2,104$175
Hybrid XSE AWD$2,150$179

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 2021 Toyota RAV4 for different driver ages.

2021 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,303$609
17$7,041$587
18$6,245$520
19$5,710$476
20$4,357$363
21$4,154$346
22$3,707$309
23$3,067$256
24$2,886$241
25$2,342$195
30$2,144$179
35$2,076$173
40$2,020$168
45$1,892$158
50$1,796$150
55$1,678$140
60$1,680$140
65$1,790$149
70$1,948$162
75$2,310$193
80$2,850$238

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.