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 $1,954 to $2,608 per year, while a 2024 Subaru Forester ranges from $1,982 to $2,244 for full-coverage.
• Average car insurance cost per month for the Toyota RAV4 is 3.3% more expensive than the Subaru Forester, at $184 versus $178, 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 $2,212 per year, while insurance for a Subaru Forester averages $2,134 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 $1,954 per year, or $163 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 $1,982 per year, or $165 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 $1,954 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,608 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 $1,966 to $4,448 per year for the age groups used in the chart. A 2024 Subaru Forester costs from $1,880 to $4,382 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 $2,162 per year, and insurance for a Subaru Forester averages $1,974 per year, making the Subaru Forester the cheaper of the two models by $188 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 $1,940 per year, or $162 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 $1,826 per year, or about $152 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 $1,826 per year. The most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,424 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 $1,916 to $4,354 per year for a 2023 Toyota RAV4, and $1,732 to $4,040 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 $2,066 per year, and the Subaru Forester averages $1,900 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 $1,912 per year for the LE 2WD model up to $2,234 for the Prime XSE AWD model. For a 2022 Subaru Forester, rates range from $1,782 per year for the AWD model up to $2,016 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 $1,782 per year, and the most expensive trim is the Toyota RAV4 Prime XSE AWD costing $2,234 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 $149 to $186 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 $1,834 to $4,174 per year for these driver ages. A 2022 Subaru Forester costs from $1,666 to $3,870 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 $1,912 per year, or $159 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 $1,782 per year, or about $149 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 $1,782 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $2,234 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 $178 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 $1,838 to $4,168 per year for the included age groups. A 2021 Subaru Forester costs from $1,668 to $3,872 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 $1,890 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 $1,808.

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 $1,808 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,200 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 $2,008 per year to insure and the Subaru Forester costs $1,836, making the Subaru Forester the winner by $172.

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 $1,786 to $4,050 per year for these driver ages. A 2020 Subaru Forester costs from $1,622 to $3,760 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 $1,840 per year, or $153 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 $1,752.

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 $1,752 per year, and the most expensive trim is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,136 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 $1,886 per year to insure and the Subaru Forester costs $1,744, making the Subaru Forester the winner by $142 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 $1,678 to $3,790 per year for a 2019 Toyota RAV4, and $1,544 to $3,566 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 $1,742 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 $1,654 per year, or about $138 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 $1,654 per year. The highest-cost model and trim is the Toyota RAV4 Limited 4WD at a cost of $1,986 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 $144 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 $1,598 to $3,604 per year for the example age groups. A 2018 Subaru Forester costs from $1,462 to $3,364 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 $1,676 per year, or about $140 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 $1,514 per year, or around $126 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 $1,514 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD at a cost of $1,962 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 $1,754 per year to insure and the Subaru Forester costs $1,590, 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 $1,568 to $3,524 per year for the example age groups. A 2017 Subaru Forester costs from $1,408 to $3,236 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 $1,618 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 $1,450.

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 $1,450 per year. The most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing an average of $1,888 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 $54 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 $1,464 to $3,274 per year for a 2016 Toyota RAV4, and $1,410 to $3,190 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 $1,540 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 $1,444 per year, or about $120 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 $1,444 per year, and the most expensive trim is the Toyota RAV4 Hybrid Limited AWD costing $1,740 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 $1,500 per year to insure and the Subaru Forester costs $1,506, making the Toyota RAV4 the winner by $6 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 $1,350 to $3,002 per year for the included age groups. A 2015 Subaru Forester costs from $1,346 to $3,038 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 $1,426 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 $1,390.

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 $1,390 per year, and the most expensive vehicle to insure is the Subaru Forester 2.0XT Touring AWD costing an average of $1,588 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