2022 Toyota RAV4 Car Insurance Calculator

Learn in real-time how changes to driver risk factors and vehicle options impact car insurance rates for a 2022 Toyota RAV4. Play around with factors like vehicle usage, driver gender, marital status, and the state you live in. Know immediately if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2022 Toyota RAV4 is $2,018 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

$2,018

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 2022 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.

$2,018
Average Rate
Your Rate
$2,018

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 2022 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 2022 Toyota RAV4 is $2,018.

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.

2022 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2022 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.

2022 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-5$1,626-$392
2Nissan Kicks$1,666-$352
3Chevrolet Trailblazer$1,678-$340
4Subaru Crosstrek$1,718-$300
5Buick Encore$1,768-$250
6Toyota C-HR$1,774-$244
7Nissan Rogue Sport$1,782-$236
8Hyundai Venue$1,812-$206
9Buick Envision$1,818-$200
10Kia Seltos$1,820-$198
11Ford Bronco Sport$1,828-$190
12Toyota Corolla Cross$1,834-$184
13Hyundai Kona$1,850-$168
14Subaru Forester$1,852-$166
15Volkswagen Tiguan$1,860-$158
16Honda CR-V$1,872-$146
17Mazda CX-30$1,892-$126
18Honda HR-V$1,918-$100
19Ford Ecosport$1,936-$82
20Chevrolet Trax$1,958-$60
21GMC Terrain$1,966-$52
22Mitsubishi Eclipse Cross$1,972-$46
2022 Small SUV Average$1,982-$36
23Hyundai Tucson$1,986-$32
24Chevrolet Bolt$1,994-$24
25Chevrolet Equinox$1,998-$20
26Volkswagen Taos$2,002-$16
27Fiat 500X$2,010-$8
28Toyota RAV4$2,018--
29Kia Soul$2,020$2
30Mazda MX-30$2,062$44
31Jeep Compass$2,070$52
32Kia Niro$2,076$58
33Nissan Rogue$2,092$74
34Ford Escape$2,102$84
35Hyundai Ioniq 5$2,118$100
36Mini Cooper Clubman$2,124$106
37Jeep Renegade$2,126$108
38Kia Sportage$2,136$118
39Volkswagen ID4$2,178$160
40Mini Cooper$2,188$170
41Mini Cooper Countryman$2,210$192
42Mitsubishi Outlander$2,300$282
43Mitsubishi Mirage$2,320$302
44Ford Mustang Mach-E$2,418$400
45Hyundai Nexo$2,444$426

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.

2022 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Toyota RAV4 Insurance Rates by Trim Level
2022 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,866$156
LE AWD$1,904$159
XLE 2WD$1,910$159
LE Hybrid AWD$1,938$162
XLE AWD$1,944$162
XLE Hybrid AWD$1,976$165
XLE Premium 2WD$1,988$166
SE Hybrid AWD$1,996$166
XLE Premium AWD$2,012$168
Adventure AWD$2,022$169
XLE Premium Hybrid AWD$2,034$170
XSE Hybrid AWD$2,066$172
Limited 2WD$2,072$173
Limited AWD$2,088$174
TRD Off-Road AWD$2,092$174
Limited Hybrid AWD$2,104$175
Prime SE AWD$2,138$178
Prime XSE AWD$2,182$182

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 2022 Toyota RAV4 for different driver ages.

2022 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,225$602
17$6,999$583
18$6,273$523
19$5,707$476
20$4,371$364
21$4,169$347
22$3,733$311
23$3,060$255
24$2,894$241
25$2,344$195
30$2,152$179
35$2,074$173
40$2,018$168
45$1,890$158
50$1,788$149
55$1,670$139
60$1,676$140
65$1,788$149
70$1,930$161
75$2,272$189
80$2,804$234

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.