Toyota RAV4 vs. GMC Terrain Car Insurance Cost (2015 to 2023 Models)

• At an annual average cost of $1,748 per year, a 2024 GMC Terrain is cheaper to insure than a 2024 Toyota RAV4 by $50 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 $1,883 per year, the Toyota RAV4 costs $135 less per year, while the GMC Terrain costs an average of $185 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 $1,748 per year, while insurance for a GMC Terrain costs an average of $1,698 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 $1,546 per year, or around $129 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 $1,604 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 $1,546 per year. The highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $2,046 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 $1,556 to $3,514 per year for the driver ages used. A 2024 GMC Terrain costs from $1,510 to $3,362 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 $1,710 per year, and insurance for a GMC Terrain costs an average of $1,640 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 $1,534 per year, or about $128 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 $1,560.

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 $1,534 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD costing an average of $1,918 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 $1,514 to $3,446 per year for a 2023 Toyota RAV4, and $1,458 to $3,250 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 $1,636 per year, while insurance for a GMC Terrain averages $1,594 per year.

2022 Toyota RAV4 car insurance rates range from the cheapest rate of $1,512 per year for the LE 2WD model up to the most expensive rate of $1,768 for the Prime XSE AWD model.

For the 2022 GMC Terrain, rates can range from $1,522 per year for the SLE 2WD model up to $1,660 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 $1,512 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,768 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 $126 to $147 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 $1,452 to $3,302 per year on a 2022 Toyota RAV4, and $1,416 to $3,170 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 $1,512 per year, or around $126 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 $1,522 per year, or about $127 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 $1,512 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,768 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 $118 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 $1,456 to $3,296 per year on a 2021 Toyota RAV4, and $1,348 to $3,026 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 $1,496 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 $1,374 per year, or $115 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 $1,374 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,742 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 $112 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 $1,416 to $3,204 per year on a 2020 Toyota RAV4, and $1,316 to $2,956 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 $1,456 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 $1,336 per year, or $111 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 $1,336 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,692 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 $1,490 per year to insure and a GMC Terrain costs $1,522, making the Toyota RAV4 more affordable to insure by $32 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 $1,328 to $3,000 per year for a 2019 Toyota RAV4, and $1,358 to $3,064 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 $1,378 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 $1,378.

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 $1,378 per year. The most expensive trim is the GMC Terrain Denali AWD costing an average of $1,618 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 $42 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 $1,266 to $2,850 per year for a 2018 Toyota RAV4, and $1,306 to $2,934 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 $1,326 per year, or $111 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 $1,326 per year, or about $111 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 $1,326 per year, and the most expensive model and trim level is the GMC Terrain Denali AWD at a cost of $1,552 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 $6 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 $1,240 to $2,788 per year for the chosen age groups in the chart. Car insurance for a 2017 GMC Terrain ranges from $1,248 to $2,802 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 $1,280 per year, or $107 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 $1,296 per year, or $108 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 $1,280 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD at a cost of $1,496 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 $90 per year.

The following chart shows the average cost to insure both 2016 models with different ages of drivers. Insurance cost ranges from $1,160 to $2,590 per year on a 2016 Toyota RAV4, and $1,076 to $2,380 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 $1,220 per year, or around $102 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 $1,074 per year, or around $90 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 $1,074 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD costing $1,376 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 $22 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 $1,068 to $2,374 per year for a 2015 Toyota RAV4, and $1,042 to $2,334 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 $1,130 per year, or $94 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 $1,106.

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 $1,106 per year, and the overall most expensive vehicle to insure is the GMC Terrain Denali AWD costing $1,244 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