2024 Toyota RAV4 Car Insurance Calculator

Learn how choices you make impact the insurance cost for a 2024 Toyota RAV4. Customize choices like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see if the option you change raises or lowers your rate.

The average estimated car insurance premium for a 2024 Toyota RAV4 is $2,162 per year, or about $180 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

$2,162

Cost Per Month

$180

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 2024 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.

$2,162
Average Rate
Your Rate
$2,162

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 2024 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 2024 Toyota RAV4 is $2,162.

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.

2024 Toyota RAV4 vs. the Small SUV Segment

The table below compares insurance rates for the 2024 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.

2024 Toyota RAV4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$432
2Chevrolet Trailblazer$1,760-$402
3Kia Soul$1,826-$336
4Nissan Kicks$1,844-$318
5Buick Envision$1,878-$284
6Toyota Corolla Cross$1,888-$274
7Hyundai Venue$1,902-$260
8Mazda CX-5$1,910-$252
9Ford Bronco Sport$1,918-$244
10Volkswagen Tiguan$1,938-$224
11Buick Encore$1,988-$174
12Honda CR-V$1,996-$166
13Volkswagen Taos$2,008-$154
14Kia Niro$2,014-$148
15Honda HR-V$2,040-$122
16Subaru Forester$2,084-$78
17Kia Seltos$2,094-$68
18GMC Terrain$2,096-$66
19Nissan Rogue$2,106-$56
20Hyundai Kona$2,110-$52
21Mazda CX-30$2,114-$48
22Volkswagen ID4$2,124-$38
23Ford Escape$2,138-$24
2024 Small SUV Average$2,154-$8
24Chevrolet Equinox$2,158-$4
25Toyota RAV4$2,162--
26Mazda MX-30$2,172$10
27Hyundai Tucson$2,176$14
28Chevrolet Trax$2,210$48
29Mini Cooper Clubman$2,220$58
30Mini Cooper$2,226$64
31Mitsubishi Eclipse Cross$2,246$84
32Jeep Renegade$2,252$90
33Mitsubishi Outlander$2,280$118
34Kia Sportage$2,294$132
35Hyundai Ioniq 5$2,302$140
36Nissan Ariya$2,304$142
37Fiat 500X$2,310$148
38Mini Cooper Countryman$2,318$156
39Subaru Solterra$2,320$158
40Mazda CX-50$2,326$164
41Toyota bz4X$2,330$168
42Mitsubishi Mirage$2,342$180
43Kia EV6$2,416$254
44Dodge Hornet$2,492$330
45Jeep Compass$2,536$374
46Hyundai Nexo$2,584$422
47Ford Mustang Mach-E$2,742$580

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.

2024 RAV4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 Toyota RAV4 Insurance Rates by Trim Level
2024 Toyota RAV4 Trim Level Annual Premium Cost Per Month
LE AWD$1,908$159
LE 2WD$1,960$163
XLE 2WD$2,016$168
LE Hybrid AWD$2,064$172
XLE AWD$2,064$172
Limited Hybrid AWD$2,086$174
XLE Hybrid AWD$2,114$176
XSE Hybrid AWD$2,118$177
XLE Premium 2WD$2,142$179
SE Hybrid AWD$2,148$179
Adventure AWD$2,162$180
Woodland Edition Hybrid AWD$2,162$180
XLE Premium AWD$2,186$182
XLE Premium Hybrid AWD$2,192$183
Limited 2WD$2,220$185
TRD Off-Road AWD$2,248$187
Limited AWD$2,262$189
Prime SE AWD$2,476$206
Prime XSE AWD$2,546$212

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 2024 Toyota RAV4 for different driver ages.

2024 Toyota RAV4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,749$646
17$7,485$624
18$6,665$555
19$6,086$507
20$4,653$388
21$4,439$370
22$3,971$331
23$3,277$273
24$3,089$257
25$2,510$209
30$2,302$192
35$2,222$185
40$2,162$180
45$2,024$169
50$1,920$160
55$1,794$150
60$1,798$150
65$1,912$159
70$2,076$173
75$2,452$204
80$3,020$252

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.