Toyota RAV4 vs. GMC Terrain Car Insurance Cost (2015 to 2025 Models)

• At an annual average cost of $2,162 per year, a 2024 GMC Terrain is cheaper to insure than a 2024 Toyota RAV4 by $66 per year.
• With 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th and the GMC Terrain ranks 18^th for most affordable car insurance rates.
• If cheap rates are the top priority, the LE AWD and LE 2WD trims are the cheapest Toyota RAV4 models to insure, while the SLE 2WD and SLE AWD trim levels have the best rates for the GMC Terrain.
• When compared to the U.S. national average cost of car insurance of $2,221 per year, the Toyota RAV4 costs $59 less per year, while the GMC Terrain costs an average of $125 less per year.

Does a Toyota RAV4 or GMC Terrain cost less to insure?

For 2024 Toyota RAV4 and GMC Terrain models, the model with the lower car insurance rates is the GMC Terrain. Insurance on a Toyota RAV4 costs an average of $2,162 per year, while insurance for a GMC Terrain costs an average of $2,096 per year.

For the 19 trims available for the 2024 Toyota RAV4, the cheapest model to insure is the LE AWD model at an average cost of $1,908 per year, or around $159 per month. The 2024 GMC Terrain has six trim levels available, with the cheapest trim to insure being the SLE 2WD model at an average cost of $1,980 per year.

When rates are compared for the 25 trim levels of both 2024 models, the cheapest trim is the Toyota RAV4 LE AWD at a cost of $1,908 per year. The highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $2,546 per year.

The table shown below ranks the yearly and monthly cost of car insurance for 2024 Toyota RAV4 and GMC Terrain models, broken down by trim level.

The next chart illustrates the average cost to insure both 2024 models using drivers aged 20 to 50. For a 2024 Toyota RAV4, average car insurance cost ranges from $1,920 to $4,342 per year for the driver ages used. A 2024 GMC Terrain costs from $1,862 to $4,148 to insure per year.

The next two rate tables show trim level insurance cost averages for both 2024 models, plus an average rate for each model. The 2024 GMC Terrain reigns victorious over the 2024 Toyota RAV4 for the cheapest overall car insurance rates.

2023 Toyota RAV4 vs. GMC Terrain

Car insurance on a 2023 Toyota RAV4 costs an average of $2,112 per year, and insurance for a GMC Terrain costs an average of $2,024 per year, making the GMC Terrain the model with cheaper overall insurance rates.

For the 19 trims available for the 2023 Toyota RAV4, the cheapest model to insure is the LE 2WD model at an average cost of $1,896 per year, or about $158 per month. Out of the six trims available for the GMC Terrain, the cheapest 2023 model to insure is the SLE 2WD model at a cost of $1,926.

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 cost of $1,896 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD costing an average of $2,368 per year.

The table below ranks the annual and monthly cost of car insurance for 2023 Toyota RAV4 and GMC Terrain models, showing average premium cost for each trim level.

The chart below displays the average cost to insure the two models rated for a variety of different driver ages. The average car insurance cost ranges from $1,870 to $4,252 per year for a 2023 Toyota RAV4, and $1,798 to $4,010 for a 2023 GMC Terrain for the age groups used in the chart.

The two tables below show the average cost to insure all 2023 trim levels, including an overall average rate. The model with the cheapest average car insurance rates for 2023 is the GMC Terrain.

2022 Toyota RAV4 vs. GMC Terrain

When comparing 2022 Toyota RAV4 and GMC Terrain models, the model with cheaper average insurance rates is the GMC Terrain. Insurance cost for the Toyota RAV4 averages $2,018 per year, while insurance for a GMC Terrain averages $1,966 per year.

2022 Toyota RAV4 car insurance rates range from the cheapest rate of $1,866 per year for the LE 2WD model up to the most expensive rate of $2,182 for the Prime XSE AWD model.

For the 2022 GMC Terrain, rates can range from $1,878 per year for the SLE 2WD model up to $2,050 for the most expensive Denali AWD model.

When rates are combined and compared 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 highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $2,182 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest GMC Terrain models include the SLE 2WD, SLE AWD, and SLT 2WD. From a monthly standpoint, insurance rates for all 2022 Toyota RAV4 and GMC Terrain trim levels range from $156 to $182 per month.

The next table ranks the yearly and monthly cost of car insurance for 2022 Toyota RAV4 and GMC Terrain models, showing average cost for each trim level.

The chart shown below demonstrates the average insurance cost for the two models using drivers aged 20 to 50. Average insurance cost ranges from $1,788 to $4,076 per year on a 2022 Toyota RAV4, and $1,748 to $3,912 on a 2022 GMC Terrain for the age groups used in the chart.

The 2022 Toyota RAV4 has 18 trims available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,866 per year, or around $156 per month.

For the six different trim levels available for the GMC Terrain, the cheapest 2022 trim level to insure is the SLE 2WD model at a cost of $1,878 per year, or about $157 per month.

When comparing rates by trim level for both models, the lowest-cost model and trim level to buy insurance for is the Toyota RAV4 LE 2WD at an average cost of $1,866 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $2,182 per year.

The next two tables display average car insurance rates for every trim level for both 2022 models, including the average rate for each model. The 2022 GMC Terrain can declare victory over the 2022 Toyota RAV4 for cheapest auto insurance rates.

2021 Toyota RAV4 vs. GMC Terrain

For 2021 Toyota RAV4 and GMC Terrain models, the GMC Terrain has cheaper car insurance rates by an average of $148 per year for this comparison year.

The chart shown below illustrates the average cost to insure both models using different driver ages. The average full-coverage insurance policy ranges from $1,796 to $4,068 per year on a 2021 Toyota RAV4, and $1,664 to $3,736 for a 2021 GMC Terrain for the example age groups.

Out of 12 trim levels for the 2021 Toyota RAV4, the cheapest car insurance rates are on the LE 2WD model at a cost of $1,846 per year. Out of the seven trim levels available for the GMC Terrain, the cheapest 2021 trim to insure is the SL 2WD model at a cost of $1,698 per year, or $142 per month.

When comparing rates by trim level for both models, the cheapest model and trim level to buy insurance for is the GMC Terrain SL 2WD at a cost of $1,698 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,150 per year.

The rate tables below display the average cost to insure each trim level for a 2021 Toyota RAV4 and GMC Terrain, including an overall average cost for each model. The model with the cheapest average car insurance rates for 2021 is the GMC Terrain.

2020 Toyota RAV4 vs. GMC Terrain

For 2020 Toyota RAV4 and GMC Terrain models, the GMC Terrain has cheaper car insurance rates by an average of $136 per year for this comparison year.

The chart shown below illustrates the average cost to insure both models using different driver ages. The average full-coverage insurance policy ranges from $1,746 to $3,952 per year on a 2020 Toyota RAV4, and $1,626 to $3,646 for a 2020 GMC Terrain for the example age groups.

Out of 12 trim levels for the 2020 Toyota RAV4, the cheapest car insurance rates are on the LE 2WD model at a cost of $1,798 per year. Out of the seven trim levels available for the GMC Terrain, the cheapest 2020 trim to insure is the SL 2WD model at a cost of $1,650 per year, or $138 per month.

When comparing rates by trim level for both models, the cheapest model and trim level to buy insurance for is the GMC Terrain SL 2WD at a cost of $1,650 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,086 per year.

The rate tables below display the average cost to insure each trim level for a 2020 Toyota RAV4 and GMC Terrain, including an overall average cost for each model. The model with the cheapest average car insurance rates for 2020 is the GMC Terrain.

2019 Toyota RAV4 vs. GMC Terrain

When comparing insurance rates for 2019 models, a Toyota RAV4 costs an average of $1,838 per year to insure and a GMC Terrain costs $1,882, making the Toyota RAV4 more affordable to insure by $44 per year for 2019.

The following chart demonstrates the average car insurance cost for the two models for drivers from age 20 to 50. Insurance cost ranges from $1,638 to $3,702 per year for a 2019 Toyota RAV4, and $1,676 to $3,780 for a 2019 GMC Terrain for these driver ages.

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.

Out of the 11 trims available for the GMC Terrain, the cheapest 2019 trim to insure is the SL 2WD model at a cost of $1,702.

When all 24 trims of both models are combined and compared, the lowest-cost model and trim to put coverage on is the Toyota RAV4 LE 2WD at a cost of $1,702 per year. The most expensive trim is the GMC Terrain Denali AWD costing an average of $2,000 per year.

The tables shown below show all the available trims for both 2019 models, as well as an average rate for each model.

2018 Toyota RAV4 vs. GMC Terrain

When comparing insurance rates for the 2018 Toyota RAV4 and GMC Terrain models, the Toyota RAV4 is cheaper to insure by $54 per year.

The following chart demonstrates the average insurance cost for the two models using a range of rated driver ages. A full-coverage car insurance policy ranges from $1,562 to $3,514 per year for a 2018 Toyota RAV4, and $1,608 to $3,620 on a 2018 GMC Terrain for the included age groups.

Out of 16 trims for the 2018 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,636 per year, or $136 per month. For the 15 different option levels available for the GMC Terrain, the cheapest 2018 trim level to insure is the SL 2WD trim at a cost of $1,636 per year, or about $136 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to put coverage on is the Toyota RAV4 LE 2WD at a cost of $1,636 per year, and the most expensive model and trim level is the GMC Terrain Denali AWD at a cost of $1,916 per year.

The two tables below break down the cost to insure the available trim levels for both 2018 models, including the average rate for each model.

2017 Toyota RAV4 vs. GMC Terrain

When comparing car insurance rates for the 2017 Toyota RAV4 and GMC Terrain models, the Toyota RAV4 is cheaper to insure by an average of $10 per year for 2017.

The chart shown below illustrates the average car insurance cost for both 2017 models for drivers from age 20 to 50. For a 2017 Toyota RAV4, the average cost of car insurance ranges from $1,532 to $3,440 per year for the chosen age groups in the chart. Car insurance for a 2017 GMC Terrain ranges from $1,538 to $3,454 on average per year.

The 2017 Toyota RAV4 has 12 trim levels available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,584 per year, or $132 per month.

For the seven trims available for the GMC Terrain, the cheapest 2017 trim level to insure is the SL 2WD trim at a cost of $1,602 per year, or $134 per month.

When comparing both models combined at a trim-level basis, the cheapest trim to put coverage on is the Toyota RAV4 LE 2WD at a cost of $1,584 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD at a cost of $1,846 per year.

The next two tables illustrate the expected annual car insurance cost by trim level for both 2017 models, including an overall average rate. The winner for the 2017 car insurance battle is the Toyota RAV4.

2016 Toyota RAV4 vs. GMC Terrain

When comparing average insurance rates for the 2016 Toyota RAV4 and GMC Terrain models, the GMC Terrain has cheaper rates by an average of $114 per year.

The following chart shows the average cost to insure both 2016 models with different ages of drivers. Insurance cost ranges from $1,430 to $3,194 per year on a 2016 Toyota RAV4, and $1,328 to $2,938 on a 2016 GMC Terrain for the age groups included in the chart

The 2016 Toyota RAV4 has 10 trims available, with the cheapest trim level to insure being the LE 2WD model at an average cost of $1,506 per year, or around $126 per month.

The 2016 GMC Terrain has seven different trim levels available, with the cheapest trim to insure being the SL 2WD model at an average cost of $1,326 per year, or around $111 per month.

When rates for all 17 trim levels for the 2016 model year of both models are compared, the lowest-cost model and trim level to put coverage on is the GMC Terrain SL 2WD at an average cost of $1,326 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD costing $1,698 per year.

The tables shown below show both 2016 models and all trim levels available for each one, including an overall average cost for each model. The cheapest to insure for the 2016 model year is the GMC Terrain.

2015 Toyota RAV4 vs. GMC Terrain

When comparing insurance rates for the 2015 Toyota RAV4 and GMC Terrain models, the GMC Terrain is cheaper to insure by an average of $28 per year for this model year.

The next chart visualizes the average car insurance cost for both models rated for a variety of different driver ages. The average cost of car insurance ranges from $1,318 to $2,930 per year for a 2015 Toyota RAV4, and $1,288 to $2,882 for a 2015 GMC Terrain for the different drivers illustrated in the chart

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

For the six different trim levels available for the GMC Terrain, the cheapest 2015 model to insure is the SLE 2WD model at a cost of $1,362.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the GMC Terrain SLE 2WD at an average of $1,362 per year, and the overall most expensive vehicle to insure is the GMC Terrain Denali AWD costing $1,534 per year.

The tables shown below display average car insurance rates for every trim level for both 2015 models, as well as an average rate for each model.

Additional Toyota RAV4 and GMC Terrain Resources

• Toyota RAV4 Insurance Cost
• GMC Terrain Insurance Cost
• Small SUV Insurance Cost Comparisons