Toyota RAV4 vs. Toyota Camry Car Insurance Cost (2015 to 2025 Models)

• At an annual average cost of $2,212 per year, a 2024 Toyota RAV4 has more affordable car insurance rates than a 2024 Toyota Camry by an average of $366 per year.
• For a 2024 Toyota RAV4, car insurance rates cost from $1,954 to $2,608 per year, while a 2024 Toyota Camry ranges from $2,372 to $2,708, depending on the model being insured.
• The Toyota RAV4 LE AWD and the Toyota Camry LE are the trims with the cheapest rates for each model based on our comparison.
• When compared to the average U.S. car insurance rate of $2,276 per year, the Toyota RAV4 averages $64 less per year, while the Toyota Camry averages $302 more per year.

Is it cheaper to insure a Toyota RAV4 or Toyota Camry?

When comparing the Toyota RAV4 and Toyota Camry for the 2024 model year, the model with the cheapest average car insurance rates is the Toyota RAV4. Average insurance rates for the Toyota RAV4 are $2,212 per year, while the Toyota Camry costs an average of $2,578 per year.

For the 19 trims available for the 2024 Toyota RAV4, the cheapest trim to insure is the LE AWD model at an average cost of $1,954 per year, or $163 per month. For the 18 trims available for the Toyota Camry, the cheapest 2024 model to insure is the LE model at a cost of $2,372.

When rates for all 37 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Toyota RAV4 LE AWD at an average cost of $1,954 per year. The most expensive vehicle to insure is the Toyota Camry XSE AWD at an average cost of $2,708 per year.

The next table compares and ranks the yearly and monthly cost of car insurance for 2024 Toyota RAV4 and Toyota Camry models, showing average cost by trim level for each model.

The rate chart below shows the average cost to insure both models rated for different driver ages. For a 2024 Toyota RAV4, average car insurance cost ranges from $1,966 to $4,448 per year for the driver ages used. A 2024 Toyota Camry costs from $2,276 to $5,196 to insure per year.

The next two tables show the average insurance cost by trim level for both 2024 models, plus an average rate for each model.

2023 Toyota RAV4 vs. Toyota Camry

For the 2023 model year, the model having the cheapest car insurance rates is the Toyota RAV4. Insurance cost for the Toyota RAV4 averages $2,162 per year, while the Toyota Camry costs an average of $2,218 per year.

Out of 19 Toyota RAV4 trim levels, the cheapest 2023 trim to insure is the LE 2WD trim at an average cost of $1,940 per year, or $162 per month. For the 18 trims available for the Toyota Camry, the cheapest 2023 model to insure is the LE trim at a cost of $2,046.

When looking at the aggregated rates by trim for both models, the most affordable model and trim level to insure is the Toyota RAV4 LE 2WD at an average rate of $1,940 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,424 per year.

The table below compares the annual and monthly car insurance cost for 2023 Toyota RAV4 and Toyota Camry models, showing average cost for every trim level.

The chart below displays the average cost to insure both 2023 models for drivers aged 20 to 50. For a 2023 Toyota RAV4, average car insurance cost ranges from $1,916 to $4,354 per year for the age groups used in the chart. A 2023 Toyota Camry costs from $1,968 to $4,460 to insure per year.

The tables below illustrate average car insurance cost by trim level for each 2023 model, as well as the overall average rate for each model.

2022 Toyota RAV4 vs. Toyota Camry

When comparing the Toyota RAV4 and Toyota Camry for the 2022 model year, the one with the cheapest average auto insurance rates is the Toyota RAV4. Insurance rates for the Toyota RAV4 average $2,066 per year, and insurance for a Toyota Camry costs an average of $2,152 per year.

Within each model, however, insurance rates vary considerably depending on the vehicle trim level. For example, on a 2022 Toyota RAV4, insurance rates range from $1,912 per year for the LE 2WD model up to the highest rate of $2,234 for the Prime XSE AWD model. For the 2022 Toyota Camry, rates range from $2,008 per year on the LE model up to $2,364 for the most expensive XSE Hybrid model.

When comparing rates by trim level for both models, the cheapest trim to insure is the Toyota RAV4 LE 2WD at an average cost of $1,912 per year. The highest-cost model and trim level is the Toyota Camry XSE Hybrid at an average of $2,364 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Toyota Camry models include the LE, XLE, and XLE AWD. From a cost-per-month standpoint, average insurance rates for all 2022 Toyota RAV4 and Toyota Camry trim levels range from $159 to $197 per month.

For pre-2022 models, the average car insurance premiums for each model compare as shown below. Click on a model year to show a full comparison for that year.

• 2021 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2020 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2019 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2018 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2017 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2016 Model Year – Cheaper average insurance rate: Toyota RAV4
• 2015 Model Year – Cheaper average insurance rate: Toyota RAV4

The rate table below ranks the yearly and monthly cost of car insurance for 2022 Toyota RAV4 and Toyota Camry models, with average cost for each trim level.

The chart shown below visualizes the average insurance cost for both 2022 models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,834 to $4,174 per year for a 2022 Toyota RAV4, and $1,910 to $4,330 for a 2022 Toyota Camry for the age groups in the chart

The 2022 Toyota RAV4 has 18 trims available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,912 per year, or around $159 per month.

For the 17 option levels available for the Toyota Camry, the cheapest 2022 model to insure is the LE model at a cost of $2,008 per year, or $167 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim level to put coverage on is the Toyota RAV4 LE 2WD at an average of $1,912 per year, and the most expensive model and trim level is the Toyota Camry XSE Hybrid at a cost of $2,364 per year.

The next tables show trim level insurance cost averages for both 2022 models, plus the average rate for each model. The winner for the 2022 car insurance battle is the Toyota RAV4.

2021 Toyota RAV4 vs. Toyota Camry

For the 2021 Toyota RAV4 and Toyota Camry models, the Toyota RAV4 has cheaper car insurance rates by an average of $96 per year for this model year.

The chart shown below illustrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $1,838 to $4,168 per year for a 2021 Toyota RAV4, and $1,920 to $4,368 for a 2021 Toyota Camry for these driver ages.

The 2021 Toyota RAV4 has 12 trim levels available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,890 per year. Out of the eight trim levels available for the Toyota Camry, the cheapest 2021 trim level to insure is the L Sedan trim at a cost of $1,964 per year, or about $164 per month.

When rates are compared for the 20 trim levels of both 2021 models, the lowest-cost model and trim to insure is the Toyota RAV4 LE 2WD at a cost of $1,890 per year, and the highest-cost model and trim level is the Toyota Camry Hybrid XLE Sedan costing $2,380 per year.

The next tables illustrate average car insurance rates for every trim level for both 2021 models, along with an average cost for each model. The winner for the 2021 car insurance battle is the Toyota RAV4.

2020 Toyota RAV4 vs. Toyota Camry

A 2020 Toyota RAV4 costs $90 less per year to insure per year on average than a 2020 Toyota Camry, a difference of 4.4%.

The rate chart below displays the average insurance cost for both models with different drivers at the wheel. Insurance cost ranges from $1,786 to $4,050 per year for a 2020 Toyota RAV4, and $1,862 to $4,236 for a 2020 Toyota Camry for the different drivers illustrated in the chart

Out of 12 trims for the 2020 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,840 per year, or about $153 per month.

For the eight trim and option levels available for the Toyota Camry, the cheapest 2020 trim level to insure is the L Sedan trim at a cost of $1,904.

When comparing rates by trim level for both models, the lowest-cost model and trim to put coverage on is the Toyota RAV4 LE 2WD at an average cost of $1,840 per year, and the highest-cost model and trim is the Toyota Camry Hybrid XLE Sedan at an average cost of $2,308 per year.

The next two tables illustrate the expected annual car insurance cost by trim level for both 2020 models, including an overall average rate. The winner for the 2020 car insurance rate comparison is the Toyota RAV4.

2019 Toyota RAV4 vs. Toyota Camry

When comparing insurance rates for 2019 models, a Toyota RAV4 costs an average of $1,886 per year to insure while a Toyota Camry costs $1,958, making the Toyota RAV4 more affordable to insure by $72 per year for this comparison year.

The chart below displays the average car insurance cost for both 2019 models using a range of rated driver ages. For a 2019 Toyota RAV4, insurance cost ranges from $1,678 to $3,790 per year. Full-coverage insurance on a 2019 Toyota Camry costs from $1,744 to $3,964 on average per year.

Out of 13 Toyota RAV4 trim levels, the cheapest 2019 model to insure is the LE 2WD model at an average cost of $1,742 per year. For the eight trim options available for the Toyota Camry, the cheapest 2019 trim level to insure is the L Sedan trim at a cost of $1,618.

When all 21 trims of both models are combined and compared, the most affordable model and trim level to buy insurance for is the Toyota Camry L Sedan at an average rate of $1,618 per year, and the overall most expensive vehicle to insure is the Toyota Camry Hybrid XLE Sedan at an average cost of $2,126 per year.

The next two rate tables detail the expected annual car insurance cost by trim level for both 2019 models, including an overall average cost for each model. The model with the cheapest car insurance rates for 2019 is the Toyota RAV4.

2018 Toyota RAV4 vs. Toyota Camry

A 2018 Toyota RAV4 is $100 cheaper to insure per year on average than a 2018 Toyota Camry, a difference of 5.4%.

The chart shown below illustrates the average insurance cost for both 2018 models rated for multiple driver ages. For a 2018 Toyota RAV4, the average car insurance cost ranges from $1,598 to $3,604 per year for the driver ages used. Auto insurance on a 2018 Toyota Camry ranges from $1,690 to $3,826 on average per year.

For the 16 trims available for the 2018 Toyota RAV4, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,676 per year, or around $140 per month.

For the eight different trim levels available for the Toyota Camry, the cheapest 2018 trim level to insure is the L Sedan trim at a cost of $1,694.

When all 24 trims of both models are combined and compared, the lowest-cost model and trim level to put coverage on is the Toyota RAV4 LE 2WD at an average rate of $1,676 per year, and the most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan costing $2,042 per year.

The next tables detail trim level insurance rates for each 2018 model, including an overall average rate. The 2018 Toyota RAV4 has more affordable average car insurance rates than the 2018 Toyota Camry.

2017 Toyota RAV4 vs. Toyota Camry

When comparing insurance rates for 2017 models, the Toyota RAV4 costs $1,754 per year for full coverage and the Toyota Camry costs $1,834, making the Toyota RAV4 the model with cheaper insurance by $80 for this model year.

The next chart illustrates the average insurance cost for the two models rated for different driver ages. For a 2017 Toyota RAV4, average car insurance cost ranges from $1,568 to $3,524 per year for the age groups used in this illustration. Auto insurance for a 2017 Toyota Camry ranges from $1,638 to $3,700 on average per year.

Out of 12 Toyota RAV4 trims, the cheapest 2017 trim to insure is the LE 2WD model at an average cost of $1,618 per year, or $135 per month.

Out of the seven trim levels available for the Toyota Camry, the cheapest 2017 trim level to insure is the LE Sedan trim at a cost of $1,710 per year, or about $143 per month.

When comparing both models combined at a trim-level basis, the cheapest model and trim level to insure is the Toyota RAV4 LE 2WD at an average rate of $1,618 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at a cost of $1,964 per year.

The next tables break down average car insurance rates for every trim level for both 2017 models, along with an average cost for each model. The winner for the 2017 car insurance cost comparison is the Toyota RAV4.

2016 Toyota RAV4 vs. Toyota Camry

For 2016 Toyota RAV4 and Toyota Camry models, the Toyota RAV4 is cheaper to insure by $58 per year for this model year.

The rate chart below demonstrates the average car insurance cost for both 2016 models using a range of rated driver ages. For a 2016 Toyota RAV4, the average cost of car insurance ranges from $1,464 to $3,274 per year for the sample drivers in the chart. A full-coverage policy for a 2016 Toyota Camry costs from $1,518 to $3,406 on average per year.

Out of 10 trims for the 2016 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,540 per year, or $128 per month.

For the seven trim and option levels available for the Toyota Camry, the cheapest 2016 model to insure is the LE Sedan trim at a cost of $1,646.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to buy insurance for is the Toyota RAV4 LE 2WD at an average cost of $1,540 per year, and the overall most expensive vehicle to insure is the Toyota Camry XSE Sedan at a cost of $1,744 per year.

The tables shown below detail average car insurance rates for each trim level, along with the average rate for each model. The cheapest model to insure for the 2016 model year is the Toyota RAV4.

2015 Toyota RAV4 vs. Toyota Camry

For the 2015 Toyota RAV4 and Toyota Camry models, the Toyota RAV4 is cheaper to insure by an average of $44 per year for this model year.

The next chart visualizes the average insurance cost for both models for the 20 to 50-year-old driver age groups. For a 2015 Toyota RAV4, the average car insurance cost ranges from $1,350 to $3,002 per year for the age groups used in this illustration. A full-coverage policy for a 2015 Toyota Camry ranges from $1,386 to $3,094 on average per year.

Out of six trim levels for the 2015 Toyota RAV4, the cheapest average insurance prices are on the LE 2WD model at a cost of $1,426 per year, or around $119 per month. The 2015 Toyota Camry has seven trim levels available, with the cheapest trim to insure being the LE Sedan trim at an average cost of $1,426 per year, or $119 per month.

When all 13 trims of both models are combined and compared, the cheapest trim to insure is the Toyota RAV4 LE 2WD at an average of $1,426 per year, and the most expensive trim is the Toyota Camry Hybrid XLE Sedan costing an average of $1,640 per year.

The tables shown below detail average cost to insure each trim level for a 2015 Toyota RAV4 and Toyota Camry, along with the average rate for each model. The model with the cheapest overall car insurance cost for 2015 is the Toyota RAV4.

Additional Toyota RAV4 and Toyota Camry Resources

• Toyota RAV4 Insurance Cost
• Toyota Camry Insurance Cost
• Small SUV Insurance Cost Comparisons
• Midsize Car Insurance Cost Comparisons