Toyota RAV4 vs. Chevy Equinox Insurance Cost

Does a Toyota RAV4 or a Chevrolet Equinox have cheaper car insurance rates? We compared rates for the 2015 through 2024 model years to see which SUV was cheaper to insure.

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  • For 2024 models, a Chevrolet Equinox is cheaper to insure than a Toyota RAV4 by an average of $4 per year.
  • For a 2024 Toyota RAV4, car insurance rates range from $1,908 to $2,546 per year, while car insurance for a 2024 Chevrolet Equinox ranges from $2,016 to $2,334 for full-coverage.
  • Out of 47 models in the 2024 compact SUV segment, the Toyota RAV4 ranks 25th and the Chevrolet Equinox ranks 24th for most affordable car insurance rates.

Does insurance cost less for a RAV4 or Equinox?

Average car insurance rates for a 2024 Toyota RAV4 are $2,162 per year, whereas a 2024 Chevrolet Equinox averages $2,158 per year, making the Chevrolet Equinox the cheaper of the two to insure.

Out of 19 trims for the 2024 Toyota RAV4, the cheapest rates are on the LE AWD model at a cost of $1,908 per year, or around $159 per month.

For the 13 trims available for the Chevrolet Equinox, the cheapest 2024 trim level to insure is the LS trim at a cost of $2,016 per year, or about $168 per month.

When all 32 trims of both models are combined and compared, the lowest-cost model and trim level is the Toyota RAV4 LE AWD at an average cost of $1,908 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,546 per year.

The rate table below compares and ranks the annual and monthly cost of car insurance for 2024 Toyota RAV4 and Chevrolet Equinox models, showing average cost for every trim level.

2024 Model Year Toyota RAV4 vs. Chevrolet Equinox Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,908$159
$1,960$163
$2,016$168
$2,016$168
$2,062$172
$2,064$172
$2,064$172
$2,076$173
$2,086$174
$2,096$175
$2,114$176
$2,118$177
$2,130$178
$2,134$178
$2,142$179
$2,148$179
$2,150$179
$2,162$180
$2,162$180
$2,164$180
$2,182$182
$2,186$182
$2,192$183
$2,198$183
$2,220$185
$2,244$187
$2,248$187
$2,262$189
$2,270$189
$2,334$195
$2,476$206
$2,546$212

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Chevrolet Equinox
Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Chevrolet Equinox

The rate chart below illustrates the average cost to insure both models for drivers aged 20 to 50. Average insurance cost ranges from $1,920 to $4,342 per year for a 2024 Toyota RAV4, and $1,918 to $4,282 for a 2024 Chevrolet Equinox for the illustrated age groups.

Average car insurance premiums for 2024 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$6,665$6,539
20-Year-Old$4,342$4,282
25-Year-Old$2,510$2,498
30-Year-Old$2,302$2,294
40-Year-Old$2,162$2,158
50-Year-Old$1,920$1,918
60-Year-Old$1,798$1,790

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

The next two rate tables illustrate trim level insurance rates for each 2024 model, including an overall average rate.

2024 Toyota RAV4

$2,162

Insurance Rates by Trim Level for a 2024 Toyota RAV4
2024 Toyota RAV4 TrimsRate
LE AWD$1,908
LE 2WD1,960
XLE 2WD2,016
LE Hybrid AWD2,064
XLE AWD2,064
Limited Hybrid AWD2,086
XLE Hybrid AWD2,114
XSE Hybrid AWD2,118
XLE Premium 2WD2,142
SE Hybrid AWD2,148
Adventure AWD2,162
Woodland Edition Hybrid AWD2,162
XLE Premium AWD2,186
XLE Premium Hybrid AWD2,192
Limited 2WD2,220
TRD Off-Road AWD2,248
Limited AWD2,262
Prime SE AWD2,476
Prime XSE AWD2,546
2024 Toyota RAV4 Average Rate$2,162

2024 Chevrolet Equinox

$2,158

Insurance Rates by Trim Level for 2024 Toyota RAV4
2024 Chevrolet Equinox TrimsRate
LS$2,016
LS AWD2,062
EV 1LT2,076
LT2,096
RS2,130
LT AWD2,134
Premier2,150
RS AWD2,164
Premier AWD2,182
EV 2LT2,198
EV 3LT2,244
EV 2RS2,270
EV 3RS2,334
2024 Chevrolet Equinox Average Rate$2,158

2023 Toyota RAV4 vs. Chevrolet Equinox

For 2023, the model having more affordable car insurance is the Chevrolet Equinox. Insurance on the Toyota RAV4 averages $2,112 per year, and the Chevrolet Equinox averages $2,048 per year.

For the 19 trim levels available for the 2023 Toyota RAV4, the cheapest trim level to insure is the LE 2WD model at an average cost of $1,896 per year, or about $158 per month.

The 2023 Chevrolet Equinox has eight trim levels available, with the cheapest trim level to insure being the LS model at an average cost of $1,962 per year, or about $164 per month.

When rates are compared for the 27 trim levels of both 2023 models, the lowest-cost model and trim level to insure is the Toyota RAV4 LE 2WD at an average cost of $1,896 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,368 per year.

The next table ranks the annual and monthly car insurance cost for 2023 Toyota RAV4 and Chevrolet Equinox models, with average rates for each vehicle.

2023 Model Year Toyota RAV4 vs. Chevrolet Equinox Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,896$158
$1,954$163
$1,954$163
$1,962$164
$1,992$166
$2,000$167
$2,006$167
$2,008$167
$2,036$170
$2,052$171
$2,060$172
$2,064$172
$2,086$174
$2,092$174
$2,092$174
$2,100$175
$2,102$175
$2,114$176
$2,120$177
$2,140$178
$2,174$181
$2,174$181
$2,206$184
$2,206$184
$2,234$186
$2,298$192
$2,368$197

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Chevrolet Equinox
Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Chevrolet Equinox

The chart shown below displays the average cost to insure both models with different ages of drivers. For a 2023 Toyota RAV4, the average car insurance cost ranges from $1,870 to $4,252 per year for the included age groups. A 2023 Chevrolet Equinox costs from $1,822 to $4,070 to insure per year.

Average car insurance premiums for 2023 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$6,543$6,215
20-Year-Old$4,252$4,070
25-Year-Old$2,450$2,370
30-Year-Old$2,250$2,174
40-Year-Old$2,112$2,048
50-Year-Old$1,870$1,822
60-Year-Old$1,752$1,702

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

The two tables below display the average insurance cost by trim level for both 2023 models, including an overall average cost for each model. The winner for the 2023 car insurance comparison is the Chevrolet Equinox.

2023 Toyota RAV4

$2,112

Insurance Rates by Trim Level for a 2023 Toyota RAV4
2023 Toyota RAV4 TrimsRate
LE 2WD$1,896
LE AWD1,954
XLE 2WD1,954
LE Hybrid AWD2,000
XLE AWD2,008
XLE Hybrid AWD2,052
XLE Premium 2WD2,060
SE Hybrid AWD2,086
Woodland Edition Hybrid AWD2,092
XLE Premium AWD2,102
Adventure AWD2,114
XLE Premium Hybrid AWD2,140
Limited 2WD2,174
XSE Hybrid AWD2,174
Limited AWD2,206
TRD Off-Road AWD2,206
Limited Hybrid AWD2,234
Prime SE AWD2,298
Prime XSE AWD2,368
2023 Toyota RAV4 Average Rate$2,112

2023 Chevrolet Equinox

$2,048

Insurance Rates by Trim Level for 2023 Toyota RAV4
2023 Chevrolet Equinox TrimsRate
LS$1,962
LT1,992
LS AWD2,006
LT AWD2,036
RS2,064
Premier2,092
RS AWD2,100
Premier AWD2,120
2023 Chevrolet Equinox Average Rate$2,048

2022 Toyota RAV4 vs. Chevrolet Equinox

Insurance cost for a 2022 Toyota RAV4 averages $2,018 per year, while insurance for a Chevrolet Equinox averages $1,998 per year, making the Chevrolet Equinox the model with more affordable average car insurance rates.

The exact cost of insurance can vary greatly for each of the different trim levels, however.

For a 2022 Toyota RAV4, average insurance rates range from $1,866 per year for the LE 2WD model up to $2,182 for the Prime XSE AWD model.

For a 2022 Chevrolet Equinox, rates range from $1,918 per year for the LS model up to $2,098 for the most expensive to insure Premier AWD model.

When comparing rates by trim level for both models, the overall cheapest vehicle to insure is the Toyota RAV4 LE 2WD at an average cost of $1,866 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,182 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Chevrolet Equinox models include the LS, LT, and LS AWD. From a monthly standpoint, insurance rates for all 2022 Toyota RAV4 and Chevrolet Equinox models and trims range from $156 to $182 per month.

For previous model years, average auto insurance rates for a RAV4 and an Equinox compare as shown below. Click any model year to view rates by trim level.

  • 2021 ModelsCheaper insurance: Chevrolet Equinox by $226 per year
  • 2020 ModelsCheaper insurance: Chevrolet Equinox by $220 per year
  • 2019 ModelsCheaper insurance: Chevrolet Equinox by $158 per year
  • 2018 ModelsCheaper insurance: Chevrolet Equinox by $196 per year
  • 2017 ModelsCheaper insurance: Chevrolet Equinox by $224 per year
  • 2016 ModelsCheaper insurance: Chevrolet Equinox by $120 per year
  • 2015 ModelsCheaper insurance: Chevrolet Equinox by $56 per year

The next table compares the cost of car insurance for 2022 Toyota RAV4 and Chevrolet Equinox models, showing average cost by trim level for each model.

2022 Model Year Toyota RAV4 vs. Chevrolet Equinox Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,866$156
$1,904$159
$1,910$159
$1,918$160
$1,926$161
$1,938$162
$1,940$162
$1,944$162
$1,976$165
$1,984$165
$1,988$166
$1,996$166
$2,004$167
$2,012$168
$2,022$169
$2,034$170
$2,044$170
$2,066$172
$2,070$173
$2,072$173
$2,088$174
$2,092$174
$2,098$175
$2,104$175
$2,138$178
$2,182$182

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Chevrolet Equinox
Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Chevrolet Equinox

The chart below compares average Toyota RAV4 insurance rates to Chevy Equinox insurance rates for the 2022 model year. Rates are shown for drivers aged 20, 30, 40 and 50.

Average car insurance premiums for 2022 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$6,273$6,096
20-Year-Old$4,076$3,986
25-Year-Old$2,344$2,312
30-Year-Old$2,152$2,122
40-Year-Old$2,018$1,998
50-Year-Old$1,788$1,780
60-Year-Old$1,676$1,664

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

The tables below detail insurance rates for all trim levels of 2022 RAV4 and Equinox models. The 2022 Toyota RAV4 has an average insurance cost of $2,018 and the 2022 Chevrolet Equinox is $1,998, making the Chevrolet Equinox cheaper by $20 per year.

2022 Toyota RAV4

$2,018

Insurance Rates by Trim Level for a 2022 Toyota RAV4
2022 Toyota RAV4 TrimsRate
LE 2WD$1,866
LE AWD1,904
XLE 2WD1,910
LE Hybrid AWD1,938
XLE AWD1,944
XLE Hybrid AWD1,976
XLE Premium 2WD1,988
SE Hybrid AWD1,996
XLE Premium AWD2,012
Adventure AWD2,022
XLE Premium Hybrid AWD2,034
XSE Hybrid AWD2,066
Limited 2WD2,072
Limited AWD2,088
TRD Off-Road AWD2,092
Limited Hybrid AWD2,104
Prime SE AWD2,138
Prime XSE AWD2,182
2022 Toyota RAV4 Average Rate$2,018

2022 Chevrolet Equinox

$1,998

Insurance Rates by Trim Level for 2022 Toyota RAV4
2022 Chevrolet Equinox TrimsRate
LS$1,918
LT1,926
LS AWD1,940
LT AWD1,984
RS2,004
RS AWD2,044
Premier2,070
Premier AWD2,098
2022 Chevrolet Equinox Average Rate$1,998

2021 Toyota RAV4 vs. Chevrolet Equinox

When comparing average insurance rates for the 2021 Toyota RAV4 and Chevrolet Equinox models, the Chevrolet Equinox has cheaper rates by an average of $226 per year for this comparison year.

The chart shown below illustrates the average cost to insure both models for four different driver age groups. The average car insurance cost ranges from $1,796 to $4,068 per year for a 2021 Toyota RAV4, and $1,598 to $3,572 for a 2021 Chevrolet Equinox for the driver ages used.

Average car insurance premiums for 2021 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$6,245$5,458
20-Year-Old$4,068$3,572
25-Year-Old$2,342$2,078
30-Year-Old$2,144$1,908
40-Year-Old$2,020$1,794
50-Year-Old$1,796$1,598
60-Year-Old$1,680$1,494

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

Out of 12 trim levels for the 2021 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,846 per year.

For the 13 trim levels available for the Chevrolet Equinox, the cheapest 2021 model to insure is the L 2WD trim at a cost of $1,632.

When all 25 trims of both models are combined and compared, the cheapest trim to insure is the Chevrolet Equinox L 2WD at an average rate of $1,632 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at a cost of $2,150 per year.

The next two rate tables display the average insurance cost by trim level for both 2021 models, plus the average rate for each model. The 2021 Chevrolet Equinox reigns victorious over the 2021 Toyota RAV4 for the cheapest overall car insurance rates.

2021 Toyota RAV4

$2,020

Insurance Rates by Trim Level for a 2021 Toyota RAV4
2021 Toyota RAV4 TrimsRate
LE 2WD$1,846
LE 4WD1,912
XLE Premium 2WD1,912
XLE 2WD1,976
XLE 4WD1,976
Hybrid XLE AWD2,020
XLE Premium 4WD2,040
Hybrid LE AWD2,086
Adventure 4WD2,104
Limited 2WD2,104
Limited 4WD2,104
Hybrid XSE AWD2,150
2021 Toyota RAV4 Average Rate$2,020

2021 Chevrolet Equinox

$1,794

Insurance Rates by Trim Level for 2021 Toyota RAV4
2021 Chevrolet Equinox TrimsRate
L 2WD$1,632
2WD1,718
LS 2WD1,718
LS AWD1,718
LT 2WD1,718
AWD1,780
LT AWD1,780
LT Confidence/Convenience 2WD1,780
LT Confidence/Convenience AWD1,846
Premier 2WD1,846
Premier AWD1,892
Premier Confidence/Convenience 2WD1,954
Premier Confidence/Convenience AWD1,954
2021 Chevrolet Equinox Average Rate$1,794

2020 Toyota RAV4 vs Chevy Equinox

When comparing car insurance rates for the 2020 Toyota RAV4 and Chevrolet Equinox models, the Chevrolet Equinox has cheaper rates by an average of $220 per year for this comparison year.

The chart below displays the average cost to insure both 2020 models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $1,746 to $3,952 per year for a 2020 Toyota RAV4, and $1,554 to $3,468 for a 2020 Chevrolet Equinox for the age groups used in the chart.

Average car insurance premiums for 2020 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$6,064$5,299
20-Year-Old$3,952$3,468
25-Year-Old$2,276$2,018
30-Year-Old$2,082$1,852
40-Year-Old$1,962$1,742
50-Year-Old$1,746$1,554
60-Year-Old$1,634$1,452

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

For the 12 trims available for the 2020 Toyota RAV4, the cheapest model to insure is the LE 2WD model at an average cost of $1,798 per year.

For the 13 trims available for the Chevrolet Equinox, the cheapest 2020 model to insure is the L 2WD trim at a cost of $1,586 per year, or $132 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Chevrolet Equinox L 2WD at an average of $1,586 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD costing $2,086 per year.

The two tables below display the cost to insure the available trim levels for both 2020 models, including an overall average cost for each model. The model with the cheapest overall car insurance rates for 2020 is the Chevrolet Equinox.

2020 Toyota RAV4

$1,962

Insurance Rates by Trim Level for a 2020 Toyota RAV4
2020 Toyota RAV4 TrimsRate
LE 2WD$1,798
LE 4WD1,858
XLE Premium 2WD1,858
XLE 2WD1,920
XLE 4WD1,920
Hybrid XLE AWD1,964
XLE Premium 4WD1,982
Hybrid LE AWD2,024
Adventure 4WD2,042
Limited 2WD2,042
Limited 4WD2,042
Hybrid XSE AWD2,086
2020 Toyota RAV4 Average Rate$1,962

2020 Chevrolet Equinox

$1,742

Insurance Rates by Trim Level for 2020 Toyota RAV4
2020 Chevrolet Equinox TrimsRate
L 2WD$1,586
2WD1,668
LS 2WD1,668
LS AWD1,668
LT 2WD1,668
AWD1,730
LT AWD1,730
LT Confidence/Convenience 2WD1,730
LT Confidence/Convenience AWD1,790
Premier 2WD1,790
Premier AWD1,834
Premier Confidence/Convenience 2WD1,896
Premier Confidence/Convenience AWD1,896
2020 Chevrolet Equinox Average Rate$1,742

2019 Toyota RAV4 vs Chevy Equinox

When comparing car insurance rates for 2019 models, a Toyota RAV4 costs an average of $1,838 per year to insure and a Chevrolet Equinox costs $1,680, making the Chevrolet Equinox cheaper to insure by $158 per year for this comparison year.

The rate chart below visualizes the average cost to insure the two models using different driver ages. Insurance cost ranges from $1,638 to $3,702 per year for a 2019 Toyota RAV4, and $1,496 to $3,338 for a 2019 Chevrolet Equinox for the included driver ages.

Average car insurance premiums for 2019 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$5,679$5,096
20-Year-Old$3,702$3,338
25-Year-Old$2,134$1,940
30-Year-Old$1,954$1,784
40-Year-Old$1,838$1,680
50-Year-Old$1,638$1,496
60-Year-Old$1,534$1,400

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

Out of 13 trim levels for the 2019 Toyota RAV4, the cheapest insurance prices are on the LE 2WD model at a cost of $1,702 per year.

The 2019 Chevrolet Equinox has 13 trim levels available, with the cheapest trim level to insure being the L 2WD trim at an average cost of $1,500 per year, or $125 per month.

When comparing rates by trim level for both models, the cheapest vehicle to insure is the Chevrolet Equinox L 2WD at an average cost of $1,500 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD costing $1,940 per year.

The next two tables show trim level insurance rates for each 2019 model, along with the average rate for each model. The winner for the 2019 car insurance rate comparison is the Chevrolet Equinox.

2019 Toyota RAV4

$1,838

Insurance Rates by Trim Level for a 2019 Toyota RAV4
2019 Toyota RAV4 TrimsRate
LE 2WD$1,702
Hybrid LE AWD1,754
LE 4WD1,762
XLE 2WD1,762
Hybrid XLE AWD1,804
XLE 4WD1,822
XLE Premium 2WD1,822
Adventure 4WD1,882
XLE Premium 4WD1,882
Hybrid Limited AWD1,920
Hybrid XSE AWD1,930
Limited 2WD1,940
Limited 4WD1,940
2019 Toyota RAV4 Average Rate$1,838

2019 Chevrolet Equinox

$1,680

Insurance Rates by Trim Level for 2019 Toyota RAV4
2019 Chevrolet Equinox TrimsRate
L 2WD$1,500
LS 2WD1,558
LS AWD1,576
LT 2WD1,636
LT AWD1,636
LT Confidence 2WD1,636
LT Sun/Navigation 2WD1,636
LT Confidence AWD1,696
LT Sun/Navigation AWD1,696
Premier Confidence 2WD1,796
Premier Sun/Sound/Navigation 2WD1,796
Premier Sun/Sound/Navigation AWD1,826
Premier Confidence AWD1,856
2019 Chevrolet Equinox Average Rate$1,680

2018 Toyota RAV4 vs Chevy Equinox

For the 2018 Toyota RAV4 and Chevrolet Equinox models, the Chevrolet Equinox has cheaper car insurance cost by an average of $196 per year.

The next chart demonstrates the average cost to insure the two models rated for multiple driver ages. For a 2018 Toyota RAV4, average insurance cost ranges from $1,562 to $3,514 per year for these driver ages. A 2018 Chevrolet Equinox costs from $1,390 to $3,078 to insure per year.

Average car insurance premiums for 2018 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$5,385$4,694
20-Year-Old$3,514$3,078
25-Year-Old$2,030$1,794
30-Year-Old$1,858$1,646
40-Year-Old$1,750$1,554
50-Year-Old$1,562$1,390
60-Year-Old$1,462$1,296

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

Out of 16 trims for the 2018 Toyota RAV4, the cheapest insurance rates are on the LE 2WD model at a cost of $1,636 per year, or $136 per month.

The 2018 Chevrolet Equinox has seven trims available, with the cheapest model to insure being the L 2WD trim at an average cost of $1,442 per year.

When insurance rates for all 23 trim levels for the 2018 model year of both models are compared, the overall cheapest vehicle to insure is the Chevrolet Equinox L 2WD at an average of $1,442 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum 4WD at an average cost of $1,916 per year.

The tables shown below illustrate both 2018 models and all trim levels available for each one, including an overall average rate. The 2018 Chevrolet Equinox takes the trophy over the 2018 Toyota RAV4 for cheapest car insurance rates.

2018 Toyota RAV4

$1,750

Insurance Rates by Trim Level for a 2018 Toyota RAV4
2018 Toyota RAV4 TrimsRate
LE 2WD$1,636
LE 4WD1,636
XLE 2WD1,636
Hybrid LE AWD1,682
Adventure 2WD1,692
XLE 4WD1,692
Hybrid XLE AWD1,724
Adventure 4WD1,748
SE 2WD1,748
Hybrid SE AWD1,794
Limited 2WD1,804
Limited 4WD1,804
SE 4WD1,804
Hybrid Limited AWD1,836
Platinum 2WD1,860
Platinum 4WD1,916
2018 Toyota RAV4 Average Rate$1,750

2018 Chevrolet Equinox

$1,554

Insurance Rates by Trim Level for 2018 Toyota RAV4
2018 Chevrolet Equinox TrimsRate
L 2WD$1,442
LS 2WD1,496
LS AWD1,512
LT 2WD1,512
LT AWD1,568
Premier 2WD1,624
Premier AWD1,720
2018 Chevrolet Equinox Average Rate$1,554

2017 Toyota RAV4 vs Chevy Equinox

When comparing car insurance rates for 2017 models, the Toyota RAV4 costs an average of $1,712 per year to insure and the Chevrolet Equinox costs $1,488, making the Chevrolet Equinox the winner by $224.

The chart shown below displays the average cost to insure the two models with different driver age groups. Insurance cost ranges from $1,532 to $3,440 per year for a 2017 Toyota RAV4, and $1,332 to $2,942 for a 2017 Chevrolet Equinox for the age groups used in this illustration.

Average car insurance premiums for 2017 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$5,262$4,480
20-Year-Old$3,440$2,942
25-Year-Old$1,986$1,716
30-Year-Old$1,816$1,576
40-Year-Old$1,712$1,488
50-Year-Old$1,532$1,332
60-Year-Old$1,430$1,242

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

Out of 12 Toyota RAV4 trims, the cheapest 2017 model to insure is the LE 2WD trim at an average cost of $1,584 per year, or $132 per month. For the seven trims available for the Chevrolet Equinox, the cheapest 2017 trim level to insure is the L 2WD model at a cost of $1,394.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Chevrolet Equinox L 2WD at an average rate of $1,394 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD costing $1,846 per year.

The next two tables display the expected annual car insurance cost by trim level for both 2017 models, including an overall average rate. The 2017 Chevrolet Equinox has cheaper overall car insurance rates than the 2017 Toyota RAV4.

2017 Toyota RAV4

$1,712

Insurance Rates by Trim Level for a 2017 Toyota RAV4
2017 Toyota RAV4 TrimsRate
LE 2WD$1,584
LE 4WD1,636
XLE 2WD1,636
Hybrid XLE AWD1,662
SE 2WD1,688
XLE 4WD1,688
Limited 2WD1,742
SE 4WD1,742
Hybrid Limited AWD1,768
Limited 4WD1,794
Platinum 2WD1,794
Platinum AWD 4WD1,846
2017 Toyota RAV4 Average Rate$1,712

2017 Chevrolet Equinox

$1,488

Insurance Rates by Trim Level for 2017 Toyota RAV4
2017 Chevrolet Equinox TrimsRate
L 2WD$1,394
LS 2WD1,446
LS AWD1,462
LT 2WD1,462
LT AWD1,516
Premier 2WD1,568
Premier AWD1,568
2017 Chevrolet Equinox Average Rate$1,488

2016 Toyota RAV4 vs Chevy Equinox

For the 2016 Toyota RAV4 and Chevrolet Equinox models, the Chevrolet Equinox has cheaper car insurance cost by an average of $120 per year for this comparison year.

The next chart shows the average cost to insure both 2016 models for different driver ages. For a 2016 Toyota RAV4, average car insurance cost ranges from $1,430 to $3,194 per year for the illustrated age groups. A 2016 Chevrolet Equinox costs from $1,324 to $2,940 to insure per year.

Average car insurance premiums for 2016 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2016 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$4,882$4,480
20-Year-Old$3,194$2,940
25-Year-Old$1,848$1,706
30-Year-Old$1,690$1,568
40-Year-Old$1,598$1,478
50-Year-Old$1,430$1,324
60-Year-Old$1,336$1,236

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 26, 2025

For the 10 trims available for the 2016 Toyota RAV4, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,506 per year, or around $126 per month. For the six trims available for the Chevrolet Equinox, the cheapest 2016 trim level to insure is the LS 2WD model at a cost of $1,406.

When rates for all 16 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Chevrolet Equinox LS 2WD at a cost of $1,406 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Hybrid Limited AWD costing $1,698 per year.

The next two rate tables illustrate the average cost to insure all 2016 trim levels, plus an average rate for each model. The winner for the 2016 car insurance rate comparison is the Chevrolet Equinox.

2016 Toyota RAV4

$1,598

Insurance Rates by Trim Level for a 2016 Toyota RAV4
2016 Toyota RAV4 TrimsRate
LE 2WD$1,506
LE 4WD1,506
XLE 2WD1,554
XLE 4WD1,554
Hybrid XLE AWD1,602
SE 2WD1,604
Limited 2WD1,650
Limited 4WD1,650
SE 4WD1,650
Hybrid Limited AWD1,698
2016 Toyota RAV4 Average Rate$1,598

2016 Chevrolet Equinox

$1,478

Insurance Rates by Trim Level for 2016 Toyota RAV4
2016 Chevrolet Equinox TrimsRate
LS 2WD$1,406
LS AWD1,454
LT 2WD1,454
LT AWD1,504
LTZ 2WD1,504
LTZ AWD1,550
2016 Chevrolet Equinox Average Rate$1,478

2015 Toyota RAV4 vs Chevy Equinox

When comparing insurance cost for 2015 models, a Toyota RAV4 costs an average of $1,466 per year to insure and a Chevrolet Equinox costs $1,410, making the Chevrolet Equinox cheaper to insure by $56 per year.

The rate chart below demonstrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. Average car insurance cost ranges from $1,318 to $2,930 per year for a 2015 Toyota RAV4, and $1,266 to $2,802 for a 2015 Chevrolet Equinox.

Average car insurance premiums for 2015 Toyota RAV4 and Chevrolet Equinox models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Toyota RAV4 and Chevrolet Equinox models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Toyota RAV4 and Chevrolet Equinox. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Toyota RAV4 vs. Chevrolet Equinox Insurance Cost
Driver Age Toyota RAV4 Chevrolet Equinox
18-Year-Old$4,463$4,273
20-Year-Old$2,930$2,802
25-Year-Old$1,692$1,628
30-Year-Old$1,544$1,492
40-Year-Old$1,466$1,410
50-Year-Old$1,318$1,266
60-Year-Old$1,230$1,180

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

Out of six Toyota RAV4 trim levels, the cheapest 2015 trim level to insure is the LE 2WD trim at an average cost of $1,394 per year, or about $116 per month.

For the six trims available for the Chevrolet Equinox, the cheapest 2015 model to insure is the LS 2WD trim at a cost of $1,318 per year, or $110 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Chevrolet Equinox LS 2WD at an average of $1,318 per year. The highest-cost model and trim is the Toyota RAV4 Limited 4WD at an average of $1,522 per year.

The next two tables display all the available trims for both 2015 models, as well as an average rate for each model. The winner for the 2015 car insurance comparison is the Chevrolet Equinox.

2015 Toyota RAV4

$1,466

Insurance Rates by Trim Level for a 2015 Toyota RAV4
2015 Toyota RAV4 TrimsRate
LE 2WD$1,394
LE 4WD1,438
XLE 2WD1,438
XLE 4WD1,482
Limited 2WD1,522
Limited 4WD1,522
2015 Toyota RAV4 Average Rate$1,466

2015 Chevrolet Equinox

$1,410

Insurance Rates by Trim Level for 2015 Toyota RAV4
2015 Chevrolet Equinox TrimsRate
LS 2WD$1,318
LS AWD1,382
LT 2WD1,382
LT AWD1,382
LTZ 2WD1,474
LTZ AWD1,518
2015 Chevrolet Equinox Average Rate$1,410

Additional Toyota RAV4 and Chevrolet Equinox Resources