2023 Toyota RAV4 Car Insurance Calculator

Explore and learn how different driver and vehicle factors influence insurance rates for a 2023 Toyota RAV4. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2023 Toyota RAV4 is $2,112 per year, or about $176 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

$2,112

Cost Per Month

$176

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 2023 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.

$2,112
Average Rate
Your Rate
$2,112

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 2023 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 2023 Toyota RAV4 is $2,112.

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.

2023 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$390
2Subaru Crosstrek$1,740-$372
3Nissan Kicks$1,744-$368
4Nissan Rogue Sport$1,776-$336
5Mazda CX-5$1,794-$318
6Buick Encore$1,814-$298
7Buick Envision$1,822-$290
8Kia Seltos$1,844-$268
9Hyundai Venue$1,854-$258
10Honda HR-V$1,886-$226
11Hyundai Kona$1,910-$202
12Subaru Forester$1,926-$186
13Honda CR-V$1,932-$180
14Mazda CX-30$1,936-$176
15Chevrolet Trax$1,950-$162
16Volkswagen Tiguan$1,978-$134
17Ford Bronco Sport$1,984-$128
18Fiat 500X$2,018-$94
19Kia Soul$2,022-$90
20GMC Terrain$2,024-$88
21Mitsubishi Eclipse Cross$2,034-$78
22Chevrolet Equinox$2,048-$64
23Toyota Corolla Cross$2,056-$56
24Volkswagen Taos$2,062-$50
25Mazda CX-50$2,064-$48
2023 Small SUV Average$2,073-$39
26Hyundai Tucson$2,082-$30
27Ford Escape$2,086-$26
28Nissan Rogue$2,094-$18
29Kia Niro$2,110-$2
30Toyota RAV4$2,112--
31Mazda MX-30$2,116$4
32Mini Cooper$2,126$14
33Jeep Compass$2,130$18
34Mini Cooper Clubman$2,162$50
35Jeep Renegade$2,192$80
36Chevrolet Bolt$2,206$94
37Toyota bz4X$2,216$104
38Hyundai Ioniq 5$2,260$148
39Kia Sportage$2,270$158
40Mini Cooper Countryman$2,338$226
41Mitsubishi Mirage$2,340$228
42Mitsubishi Outlander$2,352$240
43Volkswagen ID4$2,366$254
44Kia EV6$2,416$304
45Dodge Hornet$2,418$306
46Hyundai Nexo$2,508$396
47Ford Mustang Mach-E$2,576$464

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.

2023 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Toyota RAV4 Insurance Rates by Trim Level
2023 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE 2WD$1,896$158
LE AWD$1,954$163
XLE 2WD$1,954$163
LE Hybrid AWD$2,000$167
XLE AWD$2,008$167
XLE Hybrid AWD$2,052$171
XLE Premium 2WD$2,060$172
SE Hybrid AWD$2,086$174
Woodland Edition Hybrid AWD$2,092$174
XLE Premium AWD$2,102$175
Adventure AWD$2,114$176
XLE Premium Hybrid AWD$2,140$178
Limited 2WD$2,174$181
XSE Hybrid AWD$2,174$181
Limited AWD$2,206$184
TRD Off-Road AWD$2,206$184
Limited Hybrid AWD$2,234$186
Prime SE AWD$2,298$192
Prime XSE AWD$2,368$197

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 2023 Toyota RAV4 for different driver ages.

2023 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,512$626
17$7,284$607
18$6,543$545
19$5,951$496
20$4,561$380
21$4,351$363
22$3,899$325
23$3,194$266
24$3,023$252
25$2,450$204
30$2,250$188
35$2,168$181
40$2,112$176
45$1,972$164
50$1,870$156
55$1,748$146
60$1,752$146
65$1,866$156
70$2,012$168
75$2,364$197
80$2,912$243

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.