Toyota RAV4 vs. Subaru Crosstrek – Which Costs Less to Insure?

• For the 2024 model year, a Subaru Crosstrek costs less to insure than a Toyota RAV4 by an average of $440 per year.
• For a 2024 Toyota RAV4, average insurance rates range from $1,954 to $2,608 per year, while insurance for a 2024 Subaru Crosstrek ranges from $1,684 to $1,848.
• Average car insurance cost per month for the Toyota RAV4 is 21.7% more expensive than the Subaru Crosstrek, at $184 versus $148, a difference of $36.
• Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th and the Subaru Crosstrek ranks first for most affordable car insurance rates.

Is it cheaper to insure a Toyota RAV4 or Subaru Crosstrek?

When comparing 2024 Toyota RAV4 and Subaru Crosstrek models, the model having cheaper average car insurance is the Subaru Crosstrek. Average insurance rates for the Toyota RAV4 are $2,212 per year, whereas the Subaru Crosstrek costs an average of $1,772 per year.

Out of 19 Toyota RAV4 trims, the cheapest 2024 trim to insure is the LE AWD model at an average cost of $1,954 per year. The 2024 Subaru Crosstrek has five trim levels available, with the cheapest model to insure being the Base trim at an average cost of $1,684 per year.

When rates are compared for the 24 trim levels of both 2024 models, the lowest-cost model and trim is the Subaru Crosstrek Base at an average of $1,684 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,608 per year.

The table below compares and ranks the cost of car insurance for 2024 Toyota RAV4 and Subaru Crosstrek models, with average rates for each trim level.

The next chart illustrates the average cost to insure both 2024 models for the 20 to 50-year-old driver age groups. Average car insurance cost ranges from $1,966 to $4,448 per year for a 2024 Toyota RAV4, and $1,574 to $3,488 for a 2024 Subaru Crosstrek for the example age groups.

The tables below display average car insurance rates for each trim level, along with the average rate for each model. The 2024 Subaru Crosstrek takes the trophy over the 2024 Toyota RAV4 for the cheapest overall car insurance rates.

2023 Toyota RAV4 vs. Subaru Crosstrek

Average insurance rates for a 2023 Toyota RAV4 are $2,162 per year, while insurance for a 2023 Subaru Crosstrek costs an average of $1,782 per year, making the Subaru Crosstrek the cheapest of the two to insure.

For a 2023 Toyota RAV4, insurance rates range from the cheapest price of $1,940 per year for the $29,875 LE 2WD model up to the most expensive rate of $2,424 for the $47,310 Prime XSE AWD trim.

For a 2023 Subaru Crosstrek, insurance rates can vary from $1,670 every 12 months for the Base AWD model to as high as $1,938 for the most expensive to insure Plug-in Hybrid AWD trim level.

When trim-level rates for both models are compared, the lowest-cost model and trim is the Subaru Crosstrek Base AWD at an average rate of $1,670 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,424 per year.

For a 2023 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Subaru Crosstrek models include the Base AWD, Premium AWD, and Sport AWD.

From a monthly standpoint, car insurance rates for all 2023 Toyota RAV4 and Subaru Crosstrek models and trims range from $139 to $202 per month.

The next table compares and ranks the cost of car insurance for 2023 Toyota RAV4 and Subaru Crosstrek models, with average cost for each trim level.

The next chart displays the average cost to insure both 2023 models rated for drivers aged 20 to 50. For a 2023 Toyota RAV4, the average cost of car insurance ranges from $1,916 to $4,354 per year. A 2023 Subaru Crosstrek costs from $1,580 to $3,602 to insure per year.

Out of 19 Toyota RAV4 trims, the cheapest 2023 model to insure is the LE 2WD model at an average cost of $1,940 per year.

The 2023 Subaru Crosstrek has five trim levels available, with the cheapest model to insure being the Base AWD model at an average cost of $1,670 per year, or $139 per month.

When rates are compared for the 24 trim levels of both 2023 models, the cheapest model and trim level to insure is the Subaru Crosstrek Base AWD at an average rate of $1,670 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,424 per year.

The two tables below show the expected annual car insurance cost by trim level for both 2023 models, plus the average rate for each model. The 2023 Subaru Crosstrek is the winner over the 2023 Toyota RAV4 for cheapest overall car insurance cost.

2022 Toyota RAV4 vs. Subaru Crosstrek

Insurance on a 2022 Toyota RAV4 averages $2,066 per year, and insurance for a Subaru Crosstrek costs an average of $1,758 per year, making the Subaru Crosstrek the cheaper of the two to insure.

Within each different model, however, rates vary greatly depending on the vehicle trim level. For a 2022 Toyota RAV4, rates range from $1,912 per year for the LE 2WD model up to $2,234 for the Prime XSE AWD model. For a 2022 Subaru Crosstrek, rates can range from $1,630 per year for the AWD model up to $1,902 for the Plug-in Hybrid AWD model.

When comparing both models, the cheapest trim is the Subaru Crosstrek AWD at an average of $1,630 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,234 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Subaru Crosstrek models include the AWD, Premium AWD, and Sport AWD. Insurance rates for all 2022 Toyota RAV4 and Subaru Crosstrek trim levels range from $136 to $186 per month.

The table below compares and ranks the 12-month and monthly car insurance cost for 2022 Toyota RAV4 and Subaru Crosstrek models, showing average cost by trim level for each model.

The next chart visualizes the average cost to insure the two models rated for multiple driver ages. The average car insurance cost ranges from $1,834 to $4,174 per year for a 2022 Toyota RAV4, and $1,558 to $3,560 for a 2022 Subaru Crosstrek.

Out of 18 trim levels for the 2022 Toyota RAV4, the cheapest insurance rates are on the LE 2WD trim at a cost of $1,912 per year, or $159 per month. Out of the five trims available for the Subaru Crosstrek, the cheapest 2022 model to insure is the AWD model at a cost of $1,630.

When rates for all 23 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Subaru Crosstrek AWD at a cost of $1,630 per year. The most expensive trim is the Toyota RAV4 Prime XSE AWD at an average cost of $2,234 per year.

The tables below illustrate the cost to insure the available trim levels for both 2022 models, including an overall average cost for each model.

2021 Toyota RAV4 vs. Subaru Crosstrek

When comparing average insurance rates for 2021 models, a Toyota RAV4 costs an average of $2,068 per year to insure and a Subaru Crosstrek costs $1,922, making the Subaru Crosstrek cheaper to insure by $146 per year.

The chart shown below displays the average cost to insure the two models using different driver ages. The average cost of car insurance ranges from $1,838 to $4,168 per year for a 2021 Toyota RAV4, and $1,704 to $3,908 for a 2021 Subaru Crosstrek for the example age groups.

Out of 12 Toyota RAV4 trim levels, the cheapest 2021 trim level to insure is the LE 2WD model at an average cost of $1,890 per year, or $158 per month. Out of the four trims available for the Subaru Crosstrek, the cheapest 2021 trim to insure is the AWD model at a cost of $1,772 per year, or around $148 per month.

When rates are compared for the 16 trim levels of both 2021 models, the overall cheapest vehicle to insure is the Subaru Crosstrek AWD at an average rate of $1,772 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $2,200 per year.

The next tables show the average cost to insure all 2021 trim levels, along with an average cost for each model. The cheapest to insure for the 2021 model year is the Subaru Crosstrek.

2020 Toyota RAV4 vs. Subaru Crosstrek

When comparing insurance rates for 2020 models, a Toyota RAV4 costs an average of $2,008 per year to insure and a Subaru Crosstrek costs $1,862, making the Subaru Crosstrek cheaper to insure by $146 per year for 2020.

The chart below demonstrates the average cost to insure both models rated for a variety of different driver ages. For a 2020 Toyota RAV4, the average cost of car insurance ranges from $1,786 to $4,050 per year for the illustrated age groups. A 2020 Subaru Crosstrek costs from $1,656 to $3,794 to insure per year.

For the 12 trim levels available for the 2020 Toyota RAV4, the cheapest trim level to insure is the LE 2WD model at an average cost of $1,840 per year.

For the four trim levels available for the Subaru Crosstrek, the cheapest 2020 trim to insure is the AWD model at a cost of $1,720 per year, or around $143 per month.

When all 16 trims of both models are combined and compared, the cheapest trim to insure is the Subaru Crosstrek AWD at an average rate of $1,720 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at a cost of $2,136 per year.

The next two tables illustrate both 2020 models and all trim levels available for each one, including the average rate for each model. The winner for the 2020 car insurance comparison is the Subaru Crosstrek.

2019 Toyota RAV4 vs. Subaru Crosstrek

When comparing insurance cost for 2019 models, the Toyota RAV4 costs an average of $1,886 per year to insure and the Subaru Crosstrek costs $1,598, making the Subaru Crosstrek the winner by $288 for this comparison year.

The chart below illustrates the average cost to insure both 2019 models for four different driver age groups. Average car insurance cost ranges from $1,678 to $3,790 per year for a 2019 Toyota RAV4, and $1,416 to $3,224 for a 2019 Subaru Crosstrek for the included age groups.

Out of 13 Toyota RAV4 trims, the cheapest 2019 trim level to insure is the LE 2WD trim at an average cost of $1,742 per year, or $145 per month. The 2019 Subaru Crosstrek has three trim levels available, with the cheapest model to insure being the 2 AWD trim at an average cost of $1,496 per year, or about $125 per month.

When trim-level rates for both models are compared, the cheapest model and trim level to insure is the Subaru Crosstrek 2 AWD at an average rate of $1,496 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD at an average cost of $1,986 per year.

The rate tables below illustrate trim level insurance cost averages for both 2019 models, including the average rate for each model.

2018 Model Year Insurance Cost Comparison

When comparing insurance rates for 2018 models, a Toyota RAV4 costs an average of $1,794 per year to insure and a Subaru Crosstrek costs $1,480, making the Subaru Crosstrek cheaper to insure by $314 per year.

The rate chart below displays the average cost to insure both models with different ages of drivers. For a 2018 Toyota RAV4, insurance cost ranges from $1,598 to $3,604 per year for the age groups used in the chart. A 2018 Subaru Crosstrek costs from $1,316 to $2,980 to insure per year.

Out of 16 trim levels for the 2018 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD trim at a cost of $1,676 per year, or about $140 per month.

For the three trim levels available for the Subaru Crosstrek, the cheapest 2018 trim level to insure is the 2 AWD model at a cost of $1,402 per year, or $117 per month.

When all 19 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Subaru Crosstrek 2 AWD at an average cost of $1,402 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum 4WD at a cost of $1,962 per year.

The next two tables show average car insurance rates for every trim level for both 2018 models, plus the average rate for each model.

2017 Toyota RAV4 vs. Subaru Crosstrek

When comparing insurance rates for the 2017 Toyota RAV4 and Subaru Crosstrek models, the Subaru Crosstrek is cheaper to insure by an average of $298 per year.

The rate chart below displays the average cost to insure both 2017 models rated for drivers aged 20 to 50. The average car insurance cost ranges from $1,568 to $3,524 per year for a 2017 Toyota RAV4, and $1,298 to $2,934 for a 2017 Subaru Crosstrek for these driver ages.

Out of 12 Toyota RAV4 trims, the cheapest 2017 trim to insure is the LE 2WD trim at an average cost of $1,618 per year. Out of the eight trim levels available for the Subaru Crosstrek, the cheapest 2017 trim to insure is the 2 AWD model at a cost of $1,350.

When all 20 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Subaru Crosstrek 2 AWD at an average cost of $1,350 per year. The most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD costing $1,888 per year.

The rate tables below illustrate the expected annual car insurance cost by trim level for both 2017 models, plus the average rate for each model. The cheapest to insure for the 2017 model year is the Subaru Crosstrek.

2016 Toyota RAV4 vs. Subaru Crosstrek

For the 2016 Toyota RAV4 and Subaru Crosstrek models, the Subaru Crosstrek has cheaper car insurance cost by an average of $294 per year.

The chart below visualizes the average cost to insure both 2016 models using drivers aged 20 to 50. For a 2016 Toyota RAV4, average car insurance cost ranges from $1,464 to $3,274 per year for the included driver ages. A 2016 Subaru Crosstrek costs from $1,190 to $2,672 to insure per year.

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 $1,540 per year, or about $128 per month.

The 2016 Subaru Crosstrek has eight trim levels available, with the cheapest trim to insure being the 2 AWD trim at an average cost of $1,180 per year, or $98 per month.

When rates for all 18 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Subaru Crosstrek 2 AWD at an average rate of $1,180 per year, and the highest-cost model and trim level is the Toyota RAV4 Hybrid Limited AWD at a cost of $1,740 per year.

The two tables below display the expected annual car insurance cost by trim level for both 2016 models, including an overall average rate. The 2016 Subaru Crosstrek wins out over the 2016 Toyota RAV4 for cheapest overall car insurance cost.

Additional Toyota RAV4 and Subaru Crosstrek Resources

• Toyota RAV4 Insurance Rates
• Subaru Crosstrek Insurance Rates
• Small SUV Insurance Rate Comparisons