Toyota RAV4 vs. Subaru Forester – Which Car Insurance is Cheapest?

• When comparing 2024 models, a Subaru Forester has more affordable car insurance rates than a Toyota RAV4 by an average of $78 per year.
• For a 2024 Toyota RAV4, car insurance rates range from $1,908 to $2,546 per year, while a 2024 Subaru Forester ranges from $1,936 to $2,192 for full-coverage.
• Average car insurance cost per month for the Toyota RAV4 is 3.4% more expensive than the Subaru Forester, at $180 versus $174, a difference of $6.
• Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th and the Subaru Forester ranks 16^th for most affordable car insurance.

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

For the 2024 model year, the cheaper model to insure on average is the Subaru Forester. Insurance cost for the Toyota RAV4 averages $2,162 per year, while insurance for a Subaru Forester averages $2,084 per year.

For the 19 trim levels available for the 2024 Toyota RAV4, the cheapest model to insure is the LE AWD trim at an average cost of $1,908 per year, or $159 per month.

For the six trims available for the Subaru Forester, the cheapest 2024 trim level to insure is the Base trim at a cost of $1,936 per year, or $161 per month.

When rates for all 25 trim levels for both vehicles are compared, the cheapest model and trim level is the Toyota RAV4 LE AWD at an average rate of $1,908 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,546 per year.

The table shown below ranks the cost of car insurance for 2024 Toyota RAV4 and Subaru Forester models, showing average premium cost for each trim level.

The next chart visualizes the average cost to insure both 2024 models rated for a variety of different driver ages. For a 2024 Toyota RAV4, average insurance cost ranges from $1,920 to $4,342 per year for the age groups used in the chart. A 2024 Subaru Forester costs from $1,834 to $4,276 to insure per year.

The next two tables display the cost to insure the available trim levels for both 2024 models, including the average rate for each model. The winner for the 2024 car insurance rate comparison is the Subaru Forester.

2023 Toyota RAV4 vs. Subaru Forester

Insurance rates for a 2023 Toyota RAV4 average $2,112 per year, and insurance for a Subaru Forester averages $1,926 per year, making the Subaru Forester the cheaper of the two models by $186 per year.

Out of 19 Toyota RAV4 trim levels, the cheapest 2023 model to insure is the LE 2WD model at an average cost of $1,896 per year, or $158 per month. The 2023 Subaru Forester has six trims available, with the cheapest model to insure being the Base AWD model at an average cost of $1,782 per year, or about $149 per month.

When rates are compared for the 25 trim levels of both 2023 models, the overall cheapest vehicle to insure is the Subaru Forester Base AWD at a cost of $1,782 per year. The most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,368 per year.

The table shown below ranks the annual and monthly cost of car insurance for 2023 Toyota RAV4 and Subaru Forester models, broken down by individual trim level.

The next chart displays the average cost to insure both 2023 models with different driver age groups. Average insurance cost ranges from $1,870 to $4,252 per year for a 2023 Toyota RAV4, and $1,692 to $3,942 for a 2023 Subaru Forester for the illustrated age groups.

The rate tables below show all the available trims for both 2023 models, including the average rate for each model.

2022 Toyota RAV4 vs. Subaru Forester

When comparing 2022 Toyota RAV4 and Subaru Forester models, the model having more affordable car insurance is the Subaru Forester. Average car insurance rates for the Toyota RAV4 are $2,018 per year, and the Subaru Forester averages $1,852 per year.

Within each model, however, auto insurance cost varies greatly for each of the different trim levels.

For a 2022 Toyota RAV4, insurance rates range from the lowest rate of $1,866 per year for the LE 2WD model up to $2,182 for the Prime XSE AWD model. For a 2022 Subaru Forester, rates range from $1,740 per year for the AWD model up to $1,964 for the most expensive to insure Wilderness AWD model.

When comparing rates for both models from a trim-level perspective, the overall cheapest vehicle to insure is the Subaru Forester AWD at an average cost of $1,740 per year, and the most expensive trim is the Toyota RAV4 Prime XSE AWD costing $2,182 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Subaru Forester models include the AWD, Premium AWD, and Sport AWD.

From a monthly standpoint, insurance rates for all 2022 Toyota RAV4 and Subaru Forester trim levels range from $145 to $182 per month.

The table shown below ranks the annual and monthly cost of car insurance for 2022 Toyota RAV4 and Subaru Forester models, broken down by individual trim level.

For the 2022 Toyota RAV4 and Subaru Forester models, the Subaru Forester has cheaper car insurance cost by an average of $166 per year for this model year.

The next chart displays the average cost to insure both 2022 models using a range of rated driver ages. For a 2022 Toyota RAV4, average insurance cost ranges from $1,788 to $4,076 per year for these driver ages. A 2022 Subaru Forester costs from $1,628 to $3,780 to insure per year.

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

Out of the six trim levels available for the Subaru Forester, the cheapest 2022 model to insure is the AWD model at a cost of $1,740 per year, or about $145 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Subaru Forester AWD at an average rate of $1,740 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $2,182 per year.

The rate tables below illustrate average cost to insure each trim level for a 2022 Toyota RAV4 and Subaru Forester, plus the average rate for each model. The winner for the 2022 car insurance battle is the Subaru Forester.

2021 Toyota RAV4 vs. Subaru Forester

For 2021 Toyota RAV4 and Subaru Forester models, the Subaru Forester has cheaper car insurance rates by an average of $174 per year.

The chart below shows the average cost to insure both 2021 models rated for multiple driver ages. For a 2021 Toyota RAV4, average car insurance cost ranges from $1,796 to $4,068 per year for the included age groups. A 2021 Subaru Forester costs from $1,628 to $3,778 to insure per year.

The 2021 Toyota RAV4 has 12 trim levels available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,846 per year. For the six trims available for the Subaru Forester, the cheapest 2021 trim level to insure is the AWD trim at a cost of $1,764.

When comparing car insurance rates for both models by trim level, the cheapest trim to insure is the Subaru Forester AWD at an average cost of $1,764 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,150 per year.

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

2020 Toyota RAV4 vs. Subaru Forester

When comparing insurance cost for 2020 models, the Toyota RAV4 costs an average of $1,962 per year to insure and the Subaru Forester costs $1,792, making the Subaru Forester the winner by $170.

The next chart displays the average cost to insure the two models for a range of driver ages. For a 2020 Toyota RAV4, the average car insurance cost ranges from $1,746 to $3,952 per year for these driver ages. A 2020 Subaru Forester costs from $1,582 to $3,668 to insure per year.

For the 12 trims available for the 2020 Toyota RAV4, the cheapest model to insure is the LE 2WD trim at an average cost of $1,798 per year, or $150 per month.

Out of the six trim levels available for the Subaru Forester, the cheapest 2020 model to insure is the AWD trim at a cost of $1,710.

When rates for all 18 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Subaru Forester AWD at an average cost of $1,710 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,086 per year.

The next tables illustrate trim level insurance cost averages for both 2020 models, as well as the overall average rate for each model. The 2020 Subaru Forester has more affordable average car insurance rates than the 2020 Toyota RAV4.

2019 Toyota RAV4 vs. Subaru Forester

When comparing average insurance cost for 2019 models, the Toyota RAV4 costs an average of $1,838 per year to insure and the Subaru Forester costs $1,702, making the Subaru Forester the winner by $136 for this comparison year.

The rate chart below displays the average cost to insure the two models with different driver age groups. The average car insurance cost ranges from $1,638 to $3,702 per year for a 2019 Toyota RAV4, and $1,506 to $3,478 for a 2019 Subaru Forester for these driver ages.

Out of 13 trims for the 2019 Toyota RAV4, the cheapest average car insurance prices are on the LE 2WD model at a cost of $1,702 per year. The 2019 Subaru Forester has 10 trim levels available, with the cheapest trim to insure being the 2 AWD model at an average cost of $1,616 per year, or about $135 per month.

When rates are compared for the 23 trim levels of both 2019 models, the cheapest trim to insure is the Subaru Forester 2 AWD at an average cost of $1,616 per year. The highest-cost model and trim is the Toyota RAV4 Limited 4WD at a cost of $1,940 per year.

The next two tables illustrate average car insurance cost by trim level for each 2019 model, including an overall average cost for each model. The model with the cheapest overall car insurance cost for 2019 is the Subaru Forester.

2018 Toyota RAV4 vs. Subaru Forester

For the 2018 Toyota RAV4 and Subaru Forester models, the Subaru Forester has cheaper car insurance cost by an average of $128 per year.

The chart below visualizes the average cost to insure both models using a range of rated driver ages. For a 2018 Toyota RAV4, insurance cost ranges from $1,562 to $3,514 per year for the example age groups. A 2018 Subaru Forester costs from $1,438 to $3,306 to insure per year.

Out of 16 Toyota RAV4 trim levels, the cheapest 2018 trim to insure is the LE 2WD model at an average cost of $1,636 per year, or about $136 per month.

For the six trim levels available for the Subaru Forester, the cheapest 2018 trim level to insure is the 2.5I AWD trim at a cost of $1,490 per year, or around $124 per month.

When rates are compared for the 22 trim levels of both 2018 models, the lowest-cost model and trim to insure is the Subaru Forester 2.5I AWD at an average cost of $1,490 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD at a cost of $1,916 per year.

The next two rate tables show the cost to insure the available trim levels for both 2018 models, along with the average rate for each model.

2017 Toyota RAV4 vs. Subaru Forester

When comparing insurance cost for 2017 models, the Toyota RAV4 costs an average of $1,712 per year to insure and the Subaru Forester costs $1,548, making the Subaru Forester the winner by $164.

The rate chart below shows the average cost to insure the two models with different driver age groups. For a 2017 Toyota RAV4, insurance cost ranges from $1,532 to $3,440 per year for the example age groups. A 2017 Subaru Forester costs from $1,376 to $3,156 to insure per year.

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

For the 13 trim levels available for the Subaru Forester, the cheapest 2017 trim to insure is the 2.5I AWD trim at a cost of $1,414.

When rates are compared for the 25 trim levels of both 2017 models, the cheapest trim to insure is the Subaru Forester 2.5I AWD at an average rate of $1,414 per year. The most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing an average of $1,846 per year.

The next two rate tables display average car insurance rates for every trim level for both 2017 models, along with the average rate for each model. The winner for the 2017 car insurance cost comparison is the Subaru Forester.

2016 Toyota RAV4 vs. Subaru Forester

When comparing insurance rates for the 2016 Toyota RAV4 and Subaru Forester models, the Subaru Forester is cheaper to insure by an average of $56 per year for this comparison year.

The next chart shows the average cost to insure both models with different ages of drivers. Average car insurance cost ranges from $1,430 to $3,194 per year for a 2016 Toyota RAV4, and $1,378 to $3,116 for a 2016 Subaru Forester for the driver ages used.

For the 10 trim levels available for the 2016 Toyota RAV4, the cheapest model to insure is the LE 2WD trim at an average cost of $1,506 per year.

The 2016 Subaru Forester has 13 trim levels available, with the cheapest trim level to insure being the 2.5I AWD trim at an average cost of $1,410 per year, or about $118 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Subaru Forester 2.5I AWD at an average rate of $1,410 per year, and the most expensive trim is the Toyota RAV4 Hybrid Limited AWD costing $1,698 per year.

The tables below display trim level insurance cost averages for both 2016 models, plus an average rate for each model.

2015 Toyota RAV4 vs. Subaru Forester

When comparing insurance cost for 2015 models, the Toyota RAV4 costs an average of $1,466 per year to insure and the Subaru Forester costs $1,470, making the Toyota RAV4 the winner by $4 for the 2015 comparison year.

The next chart visualizes the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2015 Toyota RAV4, average car insurance cost ranges from $1,318 to $2,930 per year for the included age groups. A 2015 Subaru Forester costs from $1,314 to $2,968 to insure per year.

For the six trims available for the 2015 Toyota RAV4, the cheapest trim level to insure is the LE 2WD model at an average cost of $1,394 per year. For the 13 trim levels available for the Subaru Forester, the cheapest 2015 trim to insure is the 2.5I AWD trim at a cost of $1,356.

When rates for all 19 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Subaru Forester 2.5I AWD at an average cost of $1,356 per year, and the most expensive vehicle to insure is the Subaru Forester 2.0XT Touring AWD costing an average of $1,550 per year.

The next two tables display the cost to insure the available trim levels for both 2015 models, including the average rate for each model. The 2015 Toyota RAV4 has cheaper average car insurance rates than the 2015 Subaru Forester.

Additional Toyota RAV4 and Subaru Forester Resources

• Toyota RAV4 Insurance Cost
• Subaru Forester Insurance Cost
• Small SUV Insurance Rate Comparisons