Toyota RAV4 vs. Jeep Grand Cherokee Insurance: Which Costs Less?

• A 2024 Toyota RAV4 is cheaper to insure than a 2024 Jeep Grand Cherokee by an average of $180 per year, $2,162 compared to $2,342.
• For the 2024 Toyota RAV4, auto insurance prices range from $1,908 to $2,546 per year, while the insurance price for a 2024 Jeep Grand Cherokee costs from $2,048 to $2,586, depending on the model being insured.
• The Toyota RAV4 LE AWD and the Jeep Grand Cherokee Laredo A are the cheapest models to insure for each vehicle based on our comparison.

Does a Toyota RAV4 or Jeep Grand Cherokee have cheaper insurance?

For 2024 RAV4 and Grand models, the model having the cheapest car insurance rates is the Toyota RAV4. Average car insurance rates for the Toyota RAV4 are $2,162 per year, and the Jeep Grand Cherokee averages $2,342 per year.

For the 19 trims available for the 2024 Toyota RAV4, the cheapest trim level to insure is the LE AWD trim at an average cost of $1,908 per year, or $159 per month. For the 19 trim levels available for the Jeep Grand Cherokee, the cheapest 2024 model to insure is the Laredo A trim at a cost of $2,048 per year, or $171 per month.

When rates for all 38 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Toyota RAV4 LE AWD at an average cost of $1,908 per year, and the most expensive model and trim level is the Jeep Grand Cherokee Summit Reserve 4xe at an average of $2,586 per year.

The next table ranks the annual and monthly cost of car insurance for 2024 Toyota RAV4 and Jeep Grand Cherokee models, with average rates for every trim level for each model.

The chart below shows the average cost to insure both 2024 models rated for drivers aged 20 to 50. For a 2024 Toyota RAV4, average insurance cost ranges from $1,920 to $4,342 per year for the included age groups. A 2024 Jeep Grand Cherokee costs from $2,060 to $4,712 to insure per year.

The next tables illustrate average car insurance rates for each trim level, as well as an average rate for each model. The 2024 Toyota RAV4 has more affordable average car insurance rates than the 2024 Jeep Grand Cherokee.

2023 Toyota RAV4 vs. Jeep Grand Cherokee

Average insurance rates for a 2023 Toyota RAV4 are $2,112 per year, whereas insurance for a Jeep Grand Cherokee averages $2,420 per year, making the Toyota RAV4 the cheaper model to insure by $308 per year.

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 16 trims available for the Jeep Grand Cherokee, the cheapest 2023 trim to insure is the Laredo 2WD model at a cost of $2,174 per year, or about $181 per month.

When all 35 trims of both models are combined and compared, the most affordable model and trim level 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 Jeep Grand Cherokee Summit Reserve 4xe at an average cost of $2,614 per year.

The next table ranks the annual and monthly cost of car insurance for 2023 Toyota RAV4 and Jeep Grand Cherokee models, showing average premium cost for each trim level.

The chart below demonstrates the average cost to insure the two models rated for drivers aged 20 to 50. For a 2023 Toyota RAV4, the average cost of car insurance ranges from $1,870 to $4,252 per year for these driver ages. A 2023 Jeep Grand Cherokee costs from $2,142 to $4,874 to insure per year.

The next two rate tables show the average cost to insure all 2023 trim levels, including an overall average cost for each model. The 2023 Toyota RAV4 has cheaper average car insurance rates than the 2023 Jeep Grand Cherokee.

2022 Toyota RAV4 vs. Jeep Grand Cherokee

When comparing 2022 Toyota RAV4 and Jeep Grand Cherokee models, the one with the cheapest average auto insurance rates is the Toyota RAV4. Insurance on a Toyota RAV4 costs an average of $2,018 per year, whereas insurance for a Jeep Grand Cherokee costs an average of $2,356 per year.

2022 Toyota RAV4 average insurance rates range from the lowest 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.

2022 Jeep Grand Cherokee rates range from $2,124 per year for the Laredo model up to $2,550 on the Summit Reserve 4xe model.

For a 2022 Toyota RAV4, the lowest-cost trim levels to insure are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Jeep Grand Cherokee trims to insure include the Laredo, L Laredo, and Altitude.

From a monthly standpoint, car insurance rates for all 2022 Toyota RAV4 and Jeep Grand Cherokee models and trims cost from $156 to $213 per month.

The next table compares the annual and monthly cost of car insurance for 2022 Toyota RAV4 and Jeep Grand Cherokee models, with average cost for each trim level.

The next chart demonstrates the average cost to insure both models using a range of rated driver ages. The average car insurance cost ranges from $1,788 to $4,076 per year for a 2022 Toyota RAV4, and $2,086 to $4,756 for the 2022 Jeep Grand Cherokee for the driver examples in the chart.

For the 18 trims available for the 2022 Toyota RAV4, the most affordable trim to insure is the LE 2WD trim at an average cost of $1,866 per year, or around $156 per month.

The 2022 Jeep Grand Cherokee has 16 trims available, with the most affordable model to insure being the Laredo model at an average cost of $2,124 per year, or about $177 per month.

When rates are compared for the 34 different trims of both 2022 models, the most affordable model and trim level to put coverage on is the Toyota RAV4 LE 2WD at an average cost of $1,866 per year, and the most expensive model and trim level is the Jeep Grand Cherokee Summit Reserve 4xe at an average of $2,550 per year.

The next tables show trim level insurance rates for each 2022 model, including the average rate for each model.

2021 Toyota RAV4 vs. Jeep Grand Cherokee

When comparing insurance rates for 2021 models, the Toyota RAV4 costs an average of $2,020 per year for a full-coverage policy and the Jeep Grand Cherokee costs $2,350, making the Toyota RAV4 the cheaper model to insure by $330 for 2021.

The chart shown below demonstrates the average cost to insure the two models for a range of driver ages. For the 2021 Toyota RAV4, the average car insurance cost ranges from $1,796 to $4,068 per year for the illustrated age groups. Car insurance for the 2021 Jeep Grand Cherokee ranges from $2,080 to $4,756 on average per year.

The 2021 Toyota RAV4 has 12 trims available, with the most affordable trim to insure being the LE 2WD model at an average cost of $1,846 per year. For the 26 trims available for a Jeep Grand Cherokee, the cheapest 2021 trim level to insure is the Laredo 2WD model at a cost of $1,938.

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 $1,846 per year. The highest-cost model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at a cost of $2,774 per year.

The tables shown below break down the expected annual car insurance cost by trim level for both 2021 models, plus the average rate for each model. The 2021 Toyota RAV4 comes out on top over the 2021 Jeep Grand Cherokee for cheapest auto insurance rates.

2020 Toyota RAV4 vs. Jeep Grand Cherokee

For 2020 Toyota RAV4 and Jeep Grand Cherokee models, the Toyota RAV4 is cheaper to insure by an average of $300 per year.

The rate chart below visualizes the average insurance cost for the two models for drivers from age 20 to 50. For the 2020 Toyota RAV4, the average cost of car insurance ranges from $1,746 to $3,952 per year. Full-coverage insurance for a 2020 Jeep Grand Cherokee costs from $2,002 to $4,574 on average per year.

The 2020 Toyota RAV4 has 12 trims available, with the lowest-cost trim to insure being the LE 2WD trim at an average cost of $1,798 per year.

For the 26 option levels available for a Jeep Grand Cherokee, the lowest-cost 2020 model to insure is the Laredo 2WD model at a cost of $1,866.

When all 38 trims of both models are combined and compared, the cheapest trim to put coverage on is the Toyota RAV4 LE 2WD at an average rate of $1,798 per year. The most expensive model and trim level is the Jeep Grand Cherokee Trackhawk Signature Leather 4WD at a cost of $2,670 per year.

The tables below illustrate the average insurance cost by trim level for both 2020 models, plus the average rate for each model. The winner for the 2020 car insurance rate comparison is the Toyota RAV4.

2019 Toyota RAV4 vs. Jeep Grand Cherokee

When comparing average insurance rates for the 2019 Toyota RAV4 and Jeep Grand Cherokee models, the Toyota RAV4 has cheaper rates by $238 per year.

The next chart displays the average car insurance cost for both models for drivers aged 20 to 50. For a 2019 Toyota RAV4, average car insurance cost ranges from $1,638 to $3,702 per year for the different drivers illustrated in the chart. Car insurance for the 2019 Jeep Grand Cherokee ranges from $1,844 to $4,222 on average per year.

The 2019 Toyota RAV4 has 13 trim levels available, with the lowest-cost trim level to insure being the LE 2WD model at an average cost of $1,702 per year.

Out of the 11 trim and option levels available for the Jeep Grand Cherokee, the cheapest 2019 trim to insure is the Laredo 2WD model at a cost of $1,812.

When rates are compared for the 24 trim levels of both 2019 models, the lowest-cost model and trim level to put coverage on is the Toyota RAV4 LE 2WD at an average cost of $1,702 per year. The most expensive trim is the Jeep Grand Cherokee Trackhawk 4WD costing an average of $2,522 per year.

The two tables below detail average car insurance rates for each trim level, including the average rate for each model. The model with the cheapest auto insurance rates for 2019 is the Toyota RAV4.

2018 Toyota RAV4 vs. Jeep Grand Cherokee

A 2018 Toyota RAV4 is $200 cheaper to insure per year on average than a 2018 Jeep Grand Cherokee, a difference of 10.8%.

The chart below shows the average insurance cost for both 2018 models for drivers aged 20 to 50. For a 2018 Toyota RAV4, the average car insurance cost ranges from $1,562 to $3,514 per year for the five driver ages sampled in the chart. Full-coverage car insurance for a 2018 Jeep Grand Cherokee ranges from $1,734 to $3,960 on average per year.

A 2018 Toyota RAV4 has 16 trim levels available, with the cheapest model to insure being the LE 2WD model at an average cost of $1,636 per year.

Out of the 11 trim options available for a Jeep Grand Cherokee, the cheapest 2018 model to insure is the Laredo 2WD model at a cost of $1,738 per year, or $145 per month.

When rates for all 27 trim levels for both 2018 models are compared, the overall cheapest vehicle to buy insurance for is the Toyota RAV4 LE 2WD at an average cost of $1,636 per year. The most expensive vehicle to insure is the Jeep Grand Cherokee Trackhawk 4WD at an average cost of $2,404 per year.

The next two rate tables show the average cost to insure all 2018 trim levels, including the average rate for each model. The cheapest to insure for the 2018 model year is the Toyota RAV4.

2017 Toyota RAV4 vs. Jeep Grand Cherokee

A 2017 Toyota RAV4 costs $156 less per year to insure per year on average than a 2017 Jeep Grand Cherokee, a difference of 8.7%.

The rate chart below displays the average insurance cost for the two models with different ages of drivers. The average cost of car insurance ranges from $1,532 to $3,440 per year on the 2017 Toyota RAV4, and $1,662 to $3,786 on a 2017 Jeep Grand Cherokee for the age groups used in the chart.

Out of 12 Toyota RAV4 trim levels, the lowest-cost 2017 trim to insure is the LE 2WD trim at an average cost of $1,584 per year.

A 2017 Jeep Grand Cherokee has 16 trim and option levels available, with the most affordable trim level to insure being the Laredo 2WD trim at an average cost of $1,678 per year, or about $140 per month.

When rates are compared for the 28 different trim levels of both 2017 models, the lowest-cost model and trim to put coverage on is the Toyota RAV4 LE 2WD at a cost of $1,584 per year, and the overall most expensive vehicle to insure is the Jeep Grand Cherokee Summit 4WD Diesel costing $2,008 per year.

The tables shown below break down the average insurance cost by trim level for both 2017 models, as well as an average rate for each model.

2016 Toyota RAV4 vs. Jeep Grand Cherokee

When comparing car insurance rates for 2016 models, the Toyota RAV4 costs an average of $1,598 per year to insure and the Jeep Grand Cherokee costs $1,680, making the Toyota RAV4 the model with cheaper insurance by $82 for the 2016 comparison year.

The next chart illustrates the average insurance cost for both 2016 models using different driver ages. Average full-coverage insurance ranges from $1,430 to $3,194 per year for the 2016 Toyota RAV4, and $1,498 to $3,382 on a 2016 Jeep Grand Cherokee for the different drivers illustrated in the chart.

Out of 10 trim levels for a 2016 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD trim at a cost of $1,506 per year, or about $126 per month.

For the 15 different trims available for the Jeep Grand Cherokee, the lowest-cost 2016 trim to insure is the Laredo 2WD trim at a cost of $1,448 per year, or around $121 per month.

When comparing both models combined at a trim-level basis, the cheapest model and trim level to put coverage on is the Jeep Grand Cherokee Laredo 2WD at a cost of $1,448 per year. The most expensive vehicle to insure is the Jeep Grand Cherokee SRT8 4WD at a cost of $1,896 per year.

The next tables break down the average cost to insure all 2016 trim levels, along with an average cost for each model. The 2016 Toyota RAV4 has cheaper average car insurance rates than the 2016 Jeep Grand Cherokee.

2015 Toyota RAV4 vs. Jeep Grand Cherokee

For 2015 Toyota RAV4 and Jeep Grand Cherokee models, the Toyota RAV4 costs less to insure by an average of $236 per year for this model year.

The next chart shows the average insurance cost for the two models for different driver ages. For a 2015 Toyota RAV4, average insurance cost ranges from $1,318 to $2,930 per year. Car insurance for the 2015 Jeep Grand Cherokee ranges from $1,520 to $3,434 on average per year.

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

For the nine option levels available for a Jeep Grand Cherokee, the lowest-cost 2015 model to insure is the Laredo 2WD trim at a cost of $1,530.

When trim-level rates for both models are compared, the cheapest model and trim level to put coverage on is the Toyota RAV4 LE 2WD at an average rate of $1,394 per year. The highest-cost model and trim level is the Jeep Grand Cherokee SRT8 4WD at an average of $1,886 per year.

The tables below illustrate trim level insurance rates for each 2015 model, along with the average rate for each model. The cheapest of the two models to insure for the 2015 model year is the Toyota RAV4.

Additional Toyota RAV4 and Jeep Grand Cherokee Resources

• Toyota RAV4 Insurance Cost
• Jeep Grand Cherokee Insurance Cost
• Small SUV Insurance Cost Comparisons
• Midsize SUV Insurance Cost Comparisons