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 $346 per year.
• For a 2024 Toyota RAV4, average insurance rates range from $1,546 to $2,046 per year, while insurance for a 2024 Subaru Crosstrek ranges from $1,332 to $1,462.
• Average car insurance cost per month for the Toyota RAV4 is 22.1% more expensive than the Subaru Crosstrek, at $146 versus $117, a difference of $29.
• 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 $1,748 per year, whereas the Subaru Crosstrek costs an average of $1,402 per year.

Out of 19 Toyota RAV4 trims, the cheapest 2024 trim to insure is the LE AWD model at an average cost of $1,546 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 $1,332 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 $1,332 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,046 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 $1,556 to $3,514 per year for a 2024 Toyota RAV4, and $1,244 to $2,758 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 $1,710 per year, while insurance for a 2023 Subaru Crosstrek costs an average of $1,412 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 $1,534 per year for the $29,875 LE 2WD model up to the most expensive rate of $1,918 for the $47,310 Prime XSE AWD trim.

For a 2023 Subaru Crosstrek, insurance rates can vary from $1,322 every 12 months for the Base AWD model to as high as $1,534 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 $1,322 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $1,918 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 $110 to $160 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 $1,514 to $3,446 per year. A 2023 Subaru Crosstrek costs from $1,250 to $2,850 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 $1,534 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 $1,322 per year, or $110 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 $1,322 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $1,918 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 $1,636 per year, and insurance for a Subaru Crosstrek costs an average of $1,392 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 $1,512 per year for the LE 2WD model up to $1,768 for the Prime XSE AWD model. For a 2022 Subaru Crosstrek, rates can range from $1,292 per year for the AWD model up to $1,504 for the Plug-in Hybrid AWD model.

When comparing both models, the cheapest trim is the Subaru Crosstrek AWD at an average of $1,292 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a 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 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 $108 to $147 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 $1,452 to $3,302 per year for a 2022 Toyota RAV4, and $1,234 to $2,814 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 $1,512 per year, or $126 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 $1,292.

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 $1,292 per year. The most expensive trim is the Toyota RAV4 Prime XSE AWD at an average cost of $1,768 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 $1,634 per year to insure and a Subaru Crosstrek costs $1,518, making the Subaru Crosstrek cheaper to insure by $116 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 $1,456 to $3,296 per year for a 2021 Toyota RAV4, and $1,348 to $3,092 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 $1,496 per year, or $125 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 $1,402 per year, or around $117 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 $1,402 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $1,742 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 $1,590 per year to insure and a Subaru Crosstrek costs $1,474, making the Subaru Crosstrek cheaper to insure by $116 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 $1,416 to $3,204 per year for the illustrated age groups. A 2020 Subaru Crosstrek costs from $1,310 to $3,002 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 $1,456 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 $1,362 per year, or around $114 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 $1,362 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at a cost of $1,692 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 $1,490 per year to insure and the Subaru Crosstrek costs $1,264, making the Subaru Crosstrek the winner by $226 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 $1,328 to $3,000 per year for a 2019 Toyota RAV4, and $1,122 to $2,552 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 $1,378 per year, or $115 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 $1,184 per year, or about $99 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 $1,184 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD at an average cost of $1,570 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 $1,418 per year to insure and a Subaru Crosstrek costs $1,170, making the Subaru Crosstrek cheaper to insure by $248 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 $1,266 to $2,850 per year for the age groups used in the chart. A 2018 Subaru Crosstrek costs from $1,042 to $2,356 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 $1,326 per year, or about $111 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 $1,110 per year, or $93 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 $1,110 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum 4WD at a cost of $1,552 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 $236 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 $1,240 to $2,788 per year for a 2017 Toyota RAV4, and $1,026 to $2,320 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 $1,280 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 $1,068.

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 $1,068 per year. The most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD costing $1,496 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 $232 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 $1,160 to $2,590 per year for the included driver ages. A 2016 Subaru Crosstrek costs from $942 to $2,112 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 $1,220 per year, or about $102 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 $934 per year, or $78 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 $934 per year, and the highest-cost model and trim level is the Toyota RAV4 Hybrid Limited AWD at a cost of $1,376 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