Toyota RAV4 vs. Ford Escape Insurance – Which Costs Less?

• At an average cost of $2,162 per year, a 2024 Ford Escape is cheaper to insure than a 2024 Toyota RAV4 by an average of $24 per year.
• Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th and the Ford Escape ranks 23^rd for cheapest car insurance cost.
• If the cheapest car insurance rates are your top priority, the LE AWD and LE 2WD trims are the cheapest Toyota RAV4 models to insure, while the Active and ST-Line trims are the cheapest Ford Escape models to insure.

Is insurance cheaper for a Toyota RAV4 or Ford Escape?

Car insurance on a 2024 Toyota RAV4 costs an average of $2,162 per year, while insurance for a 2024 Ford Escape averages $2,138 per year, making the Ford Escape the cheaper of the two to insure.

Out of 19 trims for the 2024 Toyota RAV4, the cheapest car insurance rates are on the LE AWD model at a cost of $1,908 per year. For the 10 trim levels available for the Ford Escape, the cheapest 2024 trim level to insure is the Active trim at a cost of $2,002 per year, or about $167 per month.

When comparing rates by trim level for both models, the cheapest trim is the Toyota RAV4 LE AWD at an average of $1,908 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,546 per year.

The next table compares the annual and monthly cost of car insurance for 2024 Toyota RAV4 and Ford Escape models, with average rates for each vehicle.

The chart below shows the average cost to insure both models for a range of driver ages. For a 2024 Toyota RAV4, average insurance cost ranges from $1,920 to $4,342 per year for the driver ages used. A 2024 Ford Escape costs from $1,898 to $4,312 to insure per year.

The rate tables below show average cost to insure each trim level for a 2024 Toyota RAV4 and Ford Escape, including the average rate for each model. The winner for the 2024 car insurance rate comparison is the Ford Escape.

2023 Toyota RAV4 vs. Ford Escape

Car insurance rates for a 2023 Toyota RAV4 cost an average of $2,112 per year, and a 2023 Ford Escape averages $2,086 per year, making the Ford Escape the winner with the cheapest average insurance rates.

Out of 19 trim levels for the 2023 Toyota RAV4, the cheapest insurance prices are on the LE 2WD trim at a cost of $1,896 per year.

For the 14 trims available for the Ford Escape, the cheapest 2023 model to insure is the Base trim at a cost of $1,948.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Toyota RAV4 LE 2WD at an average of $1,896 per year. The most expensive trim is the Toyota RAV4 Prime XSE AWD costing $2,368 per year.

For models prior to the 2023 model year, average car insurance costs for each model compare as shown in the list below. Click on a model year to view trim level data.

• 2022 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Toyota RAV4 by $84 per year
• 2021 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Ford Escape by $152 per year
• 2020 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Ford Escape by $148 per year
• 2019 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Toyota RAV4 by $24 per year
• 2018 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Toyota RAV4 by $18 per year
• 2017 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Ford Escape by $36 per year
• 2016 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Ford Escape by $10 per year
• 2015 Toyota RAV4 vs. Ford Escape – Cheapest insurance cost: Ford Escape by $50 per year

The rate table below compares the annual and monthly cost of car insurance for 2023 Toyota RAV4 and Ford Escape models, broken down by trim level.

The next chart displays the average cost to insure both models for a range of driver ages. Insurance cost ranges from $1,870 to $4,252 per year for a 2023 Toyota RAV4, and $1,854 to $4,216 for a 2023 Ford Escape for the example age groups.

The next two rate tables display trim level insurance rates for each 2023 model, plus the average rate for each model. The winner for the 2023 car insurance rate comparison is the Ford Escape.

2022 Toyota RAV4 vs. Ford Escape

Insurance on a 2022 Toyota RAV4 costs an average of $2,018 per year, whereas a 2022 Ford Escape averages $2,102 per year, making the Toyota RAV4 the model with the cheapest overall car insurance rates.

The cost of insurance varies considerably for each of the different trim levels, however. For a 2022 Toyota RAV4, car 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 Ford Escape, rates can range from $1,904 per year for the S model up to $2,302 for the Titanium Plug-in Hybrid model.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Ford Escape models include the S, SE, and SE Hybrid. From a cost-per-month basis, car insurance rates for all 2022 Toyota RAV4 and Ford Escape trim levels range from $156 to $192 per month.

The next table ranks the 12-month and monthly car insurance cost for 2022 Toyota RAV4 and Ford Escape models, showing average cost for each trim level.

The diagram below details average Toyota RAV4 insurance rates compared to Ford Escape insurance rates for the 2022 model year and different ages of rated drivers.

The tables below detail insurance rates for all trim levels of 2022 RAV4 and Escape models. The 2022 Toyota RAV4 has an average insurance cost of $2,018 and the 2022 Ford Escape is $2,102, making the Toyota RAV4 cheaper by $84 per year.

2021 Toyota RAV4 vs Ford Escape

When comparing average insurance rates for 2021 models, a Toyota RAV4 costs an average of $2,020 per year to insure and a Ford Escape costs $1,868, making the Ford Escape cheaper to insure by $152 per year for this model year.

The chart shown below displays the average cost to insure the two models for four different driver age groups. For a 2021 Toyota RAV4, average car insurance cost ranges from $1,796 to $4,068 per year for the included driver ages. A 2021 Ford Escape costs from $1,660 to $3,776 to insure per year.

Out of 12 Toyota RAV4 trims, the cheapest 2021 trim to insure is the LE 2WD model at an average cost of $1,846 per year.

Out of the 10 trims available for the Ford Escape, the cheapest 2021 trim level to insure is the S 2WD model at a cost of $1,738 per year, or around $145 per month.

When rates are compared for the 22 trim levels of both 2021 models, the overall cheapest vehicle to insure is the Ford Escape S 2WD at an average rate of $1,738 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD at an average of $2,150 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2021 models, including an overall average rate. The winner for the 2021 car insurance cost comparison is the Ford Escape.

2020 Toyota RAV4 vs Ford Escape

When comparing car insurance rates for the 2020 Toyota RAV4 and Ford Escape models, the Ford Escape is cheaper to insure by an average of $148 per year.

The next chart demonstrates the average cost to insure both 2020 models for different driver ages. Average insurance cost ranges from $1,746 to $3,952 per year for a 2020 Toyota RAV4, and $1,612 to $3,662 for a 2020 Ford Escape for the age groups used in this illustration.

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, or around $150 per month.

For the 10 trims available for the Ford Escape, the cheapest 2020 trim level to insure is the S 2WD model at a cost of $1,686.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim to insure is the Ford Escape S 2WD at an average cost of $1,686 per year, and the highest-cost model and trim is the Toyota RAV4 Hybrid XSE AWD at a cost of $2,086 per year.

The next two tables display the average cost to insure all 2020 trim levels, plus the average rate for each model. The 2020 Ford Escape takes the win over the 2020 Toyota RAV4 for cheapest car insurance cost.

2019 Toyota RAV4 vs Ford Escape

When comparing average insurance cost for 2019 models, the Toyota RAV4 costs an average of $1,838 per year to insure and the Ford Escape costs $1,862, making the Toyota RAV4 the winner by $24 for the 2019 comparison year.

The next chart displays the average cost to insure both 2019 models rated for drivers aged 20 to 50. For a 2019 Toyota RAV4, the average cost of car insurance ranges from $1,638 to $3,702 per year for the age groups used in the chart. A 2019 Ford Escape costs from $1,656 to $3,794 to insure per year.

Out of 13 trim levels for the 2019 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,702 per year, or $142 per month.

The 2019 Ford Escape has seven trim levels available, with the cheapest trim level to insure being the S 2WD trim at an average cost of $1,752 per year, or around $146 per month.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to insure is the Toyota RAV4 LE 2WD at an average of $1,702 per year, and the most expensive trim is the Ford Escape Titanium AWD costing $1,988 per year.

The rate tables below display average car insurance cost by trim level for a 2019 Toyota RAV4 and Ford Escape, including an overall average rate. The 2019 Toyota RAV4 has cheaper average car insurance rates than the 2019 Ford Escape.

2018 Toyota RAV4 vs Ford Escape

When comparing insurance cost for 2018 models, a Toyota RAV4 costs an average of $1,750 per year to insure and a Ford Escape costs $1,768.

The chart shown below visualizes the average cost to insure both models using a range of rated driver ages. The average car insurance cost ranges from $1,562 to $3,514 per year for a 2018 Toyota RAV4, and $1,578 to $3,598 for a 2018 Ford Escape for the age groups used in the chart.

The 2018 Toyota RAV4 has 16 trims available, with the cheapest trim level to insure being the LE 2WD model at an average cost of $1,636 per year, or around $136 per month. Out of the seven trim levels available for the Ford Escape, the cheapest 2018 trim to insure is the S 2WD model at a cost of $1,626.

When rates for all 23 trim levels for both vehicles are compared, the cheapest model and trim level to insure is the Ford Escape S 2WD at an average of $1,626 per year, and the most expensive trim is the Toyota RAV4 Platinum 4WD costing $1,916 per year.

The two tables below illustrate average cost to insure each trim level for a 2018 Toyota RAV4 and Ford Escape, as well as an average rate for each model.

2017 Toyota RAV4 vs Ford Escape

When comparing insurance cost for 2017 models, the Toyota RAV4 costs an average of $1,712 per year to insure and the Ford Escape costs $1,676, making the Ford Escape the winner by $36 for this model year.

The chart below shows the average cost to insure both models with different drivers at the wheel. The average cost of car insurance ranges from $1,532 to $3,440 per year for a 2017 Toyota RAV4, and $1,494 to $3,404 for a 2017 Ford Escape for the example age groups.

Out of 12 trim levels for the 2017 Toyota RAV4, the cheapest rates are on the LE 2WD trim at a cost of $1,584 per year, or around $132 per month. For the five trim levels available for the Ford Escape, the cheapest 2017 trim to insure is the S 2WD trim at a cost of $1,570.

When comparing both models at a trim-level basis, the lowest-cost model and trim level to insure is the Ford Escape S 2WD at an average of $1,570 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD at an average of $1,846 per year.

The next two tables illustrate average cost to insure each trim level for a 2017 Toyota RAV4 and Ford Escape, including an overall average rate. The 2017 Ford Escape has more affordable average car insurance than the 2017 Toyota RAV4.

2016 Toyota RAV4 vs Ford Escape

For 2016 Toyota RAV4 and Ford Escape models, the Ford Escape is cheaper to insure by an average of $10 per year for this model year.

The chart below illustrates the average cost to insure the two models with different driver age groups. The average cost of car insurance ranges from $1,430 to $3,194 per year for a 2016 Toyota RAV4, and $1,422 to $3,214 for a 2016 Ford Escape for the included age groups.

For the 10 trims available for the 2016 Toyota RAV4, the cheapest model to insure is the LE 2WD trim at an average cost of $1,506 per year.

For the five trim levels available for the Ford Escape, the cheapest 2016 trim to insure is the S 2WD trim at a cost of $1,492 per year, or around $124 per month.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Ford Escape S 2WD at a cost of $1,492 per year, and the highest-cost model and trim is the Toyota RAV4 Hybrid Limited AWD at an average cost of $1,698 per year.

The next tables show the average cost to insure all 2016 trim levels, including an overall average cost for each model. The 2016 Ford Escape has cheaper average car insurance rates than the 2016 Toyota RAV4.

2015 Toyota RAV4 vs Ford Escape

For the 2015 Toyota RAV4 and Ford Escape models, the Ford Escape is cheaper to insure by an average of $50 per year.

The chart below displays the average cost to insure both models using different driver ages. For a 2015 Toyota RAV4, the average cost of car insurance ranges from $1,318 to $2,930 per year for the age groups used in the chart. A 2015 Ford Escape costs from $1,268 to $2,856 to insure per year.

For the six trim levels available for the 2015 Toyota RAV4, the cheapest model to insure is the LE 2WD model at an average cost of $1,394 per year, or around $116 per month.

The 2015 Ford Escape has five trims available, with the cheapest model to insure being the S 2WD model at an average cost of $1,326 per year.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Ford Escape S 2WD at an average of $1,326 per year, and the highest-cost model and trim level is the Toyota RAV4 Limited 4WD at a cost of $1,522 per year.

The tables shown below show all the available trims for both 2015 models, as well as the overall average rate for each model.

Additional Toyota RAV4 and Ford Escape Resources

• Toyota RAV4 Insurance Rates
• Ford Escape Insurance Rates
• Small SUV Insurance Rate Comparisons