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

Does a Toyota RAV4 or a Toyota Camry have cheaper car insurance? We break down rates for the two most popular Toyota models to find out.

Start a Free QuoteCompare car insurance rates and save on your next policy.

  • At an annual average cost of $2,162 per year, a 2024 Toyota RAV4 has more affordable car insurance rates than a 2024 Toyota Camry by an average of $354 per year.
  • For a 2024 Toyota RAV4, car insurance rates cost from $1,908 to $2,546 per year, while a 2024 Toyota Camry ranges from $2,316 to $2,646, 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 $2,221 per year, the Toyota RAV4 averages $59 less per year, while the Toyota Camry averages $295 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 $2,162 per year, while the Toyota Camry costs an average of $2,516 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 $1,908 per year, or $159 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 $2,316.

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 $1,908 per year. The most expensive vehicle to insure is the Toyota Camry XSE AWD at an average cost of $2,646 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.

2024 Model Year Toyota RAV4 vs. Toyota Camry Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,908$159
$1,960$163
$2,016$168
$2,064$172
$2,064$172
$2,086$174
$2,114$176
$2,118$177
$2,142$179
$2,148$179
$2,162$180
$2,162$180
$2,186$182
$2,192$183
$2,220$185
$2,248$187
$2,262$189
$2,316$193
$2,376$198
$2,412$201
$2,412$201
$2,460$205
$2,476$206
$2,478$207
$2,482$207
$2,504$209
$2,534$211
$2,546$212
$2,550$213
$2,558$213
$2,558$213
$2,568$214
$2,572$214
$2,620$218
$2,626$219
$2,632$219
$2,646$221

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Toyota Camry
Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Toyota Camry

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 $1,920 to $4,342 per year for the driver ages used. A 2024 Toyota Camry costs from $2,224 to $5,068 to insure per year.

Average car insurance premiums for 2024 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Rates based on a 2024 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$6,665$7,808
20-Year-Old$4,342$5,068
25-Year-Old$2,510$2,926
30-Year-Old$2,302$2,692
40-Year-Old$2,162$2,516
50-Year-Old$1,920$2,224
60-Year-Old$1,798$2,082

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

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

2024 Toyota RAV4

$2,162

Insurance Rates by Trim Level for a 2024 Toyota RAV4
2024 Toyota RAV4 TrimsRate
LE AWD$1,908
LE 2WD1,960
XLE 2WD2,016
LE Hybrid AWD2,064
XLE AWD2,064
Limited Hybrid AWD2,086
XLE Hybrid AWD2,114
XSE Hybrid AWD2,118
XLE Premium 2WD2,142
SE Hybrid AWD2,148
Adventure AWD2,162
Woodland Edition Hybrid AWD2,162
XLE Premium AWD2,186
XLE Premium Hybrid AWD2,192
Limited 2WD2,220
TRD Off-Road AWD2,248
Limited AWD2,262
Prime SE AWD2,476
Prime XSE AWD2,546
2024 Toyota RAV4 Average Rate$2,162

2024 Toyota Camry

$2,516

Insurance Rates by Trim Level for 2024 Toyota RAV4
2024 Toyota Camry TrimsRate
LE$2,316
SE2,376
LE Hybrid2,412
SE Nightshade2,412
SE Hybrid2,460
LE AWD2,478
XLE2,482
XSE2,504
SE AWD2,534
TRD2,550
XLE Hybrid2,558
SE Hybrid Nightshade2,558
SE Nightshade AWD2,568
XSE Hybrid2,572
XLE V62,620
XSE V62,626
XLE AWD2,632
XSE AWD2,646
2024 Toyota Camry Average Rate$2,516

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 $2,112 per year, while the Toyota Camry costs an average of $2,164 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 $1,896 per year, or $158 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 $1,998.

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 $1,896 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,368 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.

2023 Model Year Toyota RAV4 vs. Toyota Camry Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,896$158
$1,954$163
$1,954$163
$1,998$167
$2,000$167
$2,008$167
$2,046$171
$2,050$171
$2,052$171
$2,060$172
$2,082$174
$2,086$174
$2,092$174
$2,094$175
$2,102$175
$2,114$176
$2,122$177
$2,140$178
$2,142$179
$2,154$180
$2,174$181
$2,174$181
$2,174$181
$2,176$181
$2,182$182
$2,196$183
$2,206$184
$2,206$184
$2,220$185
$2,234$186
$2,240$187
$2,248$187
$2,272$189
$2,294$191
$2,298$192
$2,308$192
$2,368$197

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Toyota Camry
Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Toyota Camry

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 $1,870 to $4,252 per year for the age groups used in the chart. A 2023 Toyota Camry costs from $1,922 to $4,350 to insure per year.

Average car insurance premiums for 2023 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$6,543$6,687
20-Year-Old$4,252$4,350
25-Year-Old$2,450$2,514
30-Year-Old$2,250$2,310
40-Year-Old$2,112$2,164
50-Year-Old$1,870$1,922
60-Year-Old$1,752$1,800

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

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.

2023 Toyota RAV4

$2,112

Insurance Rates by Trim Level for a 2023 Toyota RAV4
2023 Toyota RAV4 TrimsRate
LE 2WD$1,896
LE AWD1,954
XLE 2WD1,954
LE Hybrid AWD2,000
XLE AWD2,008
XLE Hybrid AWD2,052
XLE Premium 2WD2,060
SE Hybrid AWD2,086
Woodland Edition Hybrid AWD2,092
XLE Premium AWD2,102
Adventure AWD2,114
XLE Premium Hybrid AWD2,140
Limited 2WD2,174
XSE Hybrid AWD2,174
Limited AWD2,206
TRD Off-Road AWD2,206
Limited Hybrid AWD2,234
Prime SE AWD2,298
Prime XSE AWD2,368
2023 Toyota RAV4 Average Rate$2,112

2023 Toyota Camry

$2,164

Insurance Rates by Trim Level for 2023 Toyota RAV4
2023 Toyota Camry TrimsRate
LE$1,998
SE2,046
LE AWD2,050
SE Nightshade2,082
SE AWD2,094
SE Nightshade AWD2,122
XLE2,142
XSE2,154
LE Hybrid2,174
XLE AWD2,176
XSE AWD2,182
TRD2,196
SE Hybrid2,220
SE Hybrid Nightshade2,240
XLE V62,248
XSE V62,272
XLE Hybrid2,294
XSE Hybrid2,308
2023 Toyota Camry Average Rate$2,164

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 $2,018 per year, and insurance for a Toyota Camry costs an average of $2,102 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 $1,866 per year for the LE 2WD model up to the highest rate of $2,182 for the Prime XSE AWD model. For the 2022 Toyota Camry, rates range from $1,962 per year on the LE model up to $2,310 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 $1,866 per year. The highest-cost model and trim level is the Toyota Camry XSE Hybrid at an average of $2,310 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 $156 to $193 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.

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.

2022 Model Year Toyota RAV4 vs. Toyota Camry Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,866$156
$1,904$159
$1,910$159
$1,938$162
$1,944$162
$1,962$164
$1,972$164
$1,976$165
$1,988$166
$1,994$166
$1,996$166
$2,012$168
$2,018$168
$2,022$169
$2,034$170
$2,036$170
$2,056$171
$2,062$172
$2,066$172
$2,072$173
$2,082$174
$2,084$174
$2,088$174
$2,092$174
$2,104$175
$2,104$175
$2,108$176
$2,138$178
$2,146$179
$2,150$179
$2,164$180
$2,182$182
$2,204$184
$2,302$192
$2,310$193

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Toyota Camry
Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Toyota Camry

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 $1,788 to $4,076 per year for a 2022 Toyota RAV4, and $1,866 to $4,224 for a 2022 Toyota Camry for the age groups in the chart

Average car insurance premiums for 2022 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2022 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$6,273$6,493
20-Year-Old$4,076$4,224
25-Year-Old$2,344$2,440
30-Year-Old$2,152$2,242
40-Year-Old$2,018$2,102
50-Year-Old$1,788$1,866
60-Year-Old$1,676$1,746

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 26, 2025

The 2022 Toyota RAV4 has 18 trims available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,866 per year, or around $156 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 $1,962 per year, or $164 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 $1,866 per year, and the most expensive model and trim level is the Toyota Camry XSE Hybrid at a cost of $2,310 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.

2022 Toyota RAV4

$2,018

Insurance Rates by Trim Level for a 2022 Toyota RAV4
2022 Toyota RAV4 TrimsRate
LE 2WD$1,866
LE AWD1,904
XLE 2WD1,910
LE Hybrid AWD1,938
XLE AWD1,944
XLE Hybrid AWD1,976
XLE Premium 2WD1,988
SE Hybrid AWD1,996
XLE Premium AWD2,012
Adventure AWD2,022
XLE Premium Hybrid AWD2,034
XSE Hybrid AWD2,066
Limited 2WD2,072
Limited AWD2,088
TRD Off-Road AWD2,092
Limited Hybrid AWD2,104
Prime SE AWD2,138
Prime XSE AWD2,182
2022 Toyota RAV4 Average Rate$2,018

2022 Toyota Camry

$2,102

Insurance Rates by Trim Level for 2022 Toyota RAV4
2022 Toyota Camry TrimsRate
LE$1,962
XLE1,972
XLE AWD1,994
LE AWD2,018
SE2,036
SE AWD2,056
SE Nightshade Edition2,062
SE Nightshade Edition AWD2,082
XSE2,084
XSE AWD2,104
XLE V62,108
LE Hybrid2,146
XSE V62,150
TRD2,164
SE Hybrid Nightshade Edition2,204
XLE Hybrid2,302
XSE Hybrid2,310
2022 Toyota Camry Average Rate$2,102

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 $94 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 $1,796 to $4,068 per year for a 2021 Toyota RAV4, and $1,874 to $4,266 for a 2021 Toyota Camry for these driver ages.

Average car insurance premiums for 2021 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$6,245$6,563
20-Year-Old$4,068$4,266
25-Year-Old$2,342$2,454
30-Year-Old$2,144$2,254
40-Year-Old$2,020$2,114
50-Year-Old$1,796$1,874
60-Year-Old$1,680$1,756

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

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 $1,846 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 $1,916 per year, or about $160 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 $1,846 per year, and the highest-cost model and trim level is the Toyota Camry Hybrid XLE Sedan costing $2,324 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.

2021 Toyota RAV4

$2,020

Insurance Rates by Trim Level for a 2021 Toyota RAV4
2021 Toyota RAV4 TrimsRate
LE 2WD$1,846
LE 4WD1,912
XLE Premium 2WD1,912
XLE 2WD1,976
XLE 4WD1,976
Hybrid XLE AWD2,020
XLE Premium 4WD2,040
Hybrid LE AWD2,086
Adventure 4WD2,104
Limited 2WD2,104
Limited 4WD2,104
Hybrid XSE AWD2,150
2021 Toyota RAV4 Average Rate$2,020

2021 Toyota Camry

$2,114

Insurance Rates by Trim Level for 2021 Toyota RAV4
2021 Toyota Camry TrimsRate
L Sedan$1,916
LE Sedan1,936
SE Sedan2,000
XLE Sedan2,046
XSE Sedan2,110
Hybrid LE Sedan2,260
Hybrid SE Sedan2,324
Hybrid XLE Sedan2,324
2021 Toyota Camry Average Rate$2,114

2020 Toyota RAV4 vs. Toyota Camry

A 2020 Toyota RAV4 costs $88 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 $1,746 to $3,952 per year for a 2020 Toyota RAV4, and $1,818 to $4,138 for a 2020 Toyota Camry for the different drivers illustrated in the chart

Average car insurance premiums for 2020 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$6,064$6,365
20-Year-Old$3,952$4,138
25-Year-Old$2,276$2,380
30-Year-Old$2,082$2,184
40-Year-Old$1,962$2,050
50-Year-Old$1,746$1,818
60-Year-Old$1,634$1,706

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

Out of 12 trims for the 2020 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,798 per year, or about $150 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 $1,860.

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 $1,798 per year, and the highest-cost model and trim is the Toyota Camry Hybrid XLE Sedan at an average cost of $2,254 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.

2020 Toyota RAV4

$1,962

Insurance Rates by Trim Level for a 2020 Toyota RAV4
2020 Toyota RAV4 TrimsRate
LE 2WD$1,798
LE 4WD1,858
XLE Premium 2WD1,858
XLE 2WD1,920
XLE 4WD1,920
Hybrid XLE AWD1,964
XLE Premium 4WD1,982
Hybrid LE AWD2,024
Adventure 4WD2,042
Limited 2WD2,042
Limited 4WD2,042
Hybrid XSE AWD2,086
2020 Toyota RAV4 Average Rate$1,962

2020 Toyota Camry

$2,050

Insurance Rates by Trim Level for 2020 Toyota RAV4
2020 Toyota Camry TrimsRate
L Sedan$1,860
LE Sedan1,878
SE Sedan1,938
XLE Sedan1,982
XSE Sedan2,046
Hybrid LE Sedan2,194
Hybrid SE Sedan2,254
Hybrid XLE Sedan2,254
2020 Toyota Camry Average Rate$2,050

2019 Toyota RAV4 vs. Toyota Camry

When comparing insurance rates for 2019 models, a Toyota RAV4 costs an average of $1,838 per year to insure while a Toyota Camry costs $1,914, making the Toyota RAV4 more affordable to insure by $76 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 $1,638 to $3,702 per year. Full-coverage insurance on a 2019 Toyota Camry costs from $1,706 to $3,872 on average per year.

Average car insurance premiums for 2019 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2019 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$5,679$5,951
20-Year-Old$3,702$3,872
25-Year-Old$2,134$2,222
30-Year-Old$1,954$2,036
40-Year-Old$1,838$1,914
50-Year-Old$1,638$1,706
60-Year-Old$1,534$1,594

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 26, 2025

Out of 13 Toyota RAV4 trim levels, the cheapest 2019 model to insure is the LE 2WD model at an average cost of $1,702 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 $1,580.

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 $1,580 per year, and the overall most expensive vehicle to insure is the Toyota Camry Hybrid XLE Sedan at an average cost of $2,078 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.

2019 Toyota RAV4

$1,838

Insurance Rates by Trim Level for a 2019 Toyota RAV4
2019 Toyota RAV4 TrimsRate
LE 2WD$1,702
Hybrid LE AWD1,754
LE 4WD1,762
XLE 2WD1,762
Hybrid XLE AWD1,804
XLE 4WD1,822
XLE Premium 2WD1,822
Adventure 4WD1,882
XLE Premium 4WD1,882
Hybrid Limited AWD1,920
Hybrid XSE AWD1,930
Limited 2WD1,940
Limited 4WD1,940
2019 Toyota RAV4 Average Rate$1,838

2019 Toyota Camry

$1,914

Insurance Rates by Trim Level for 2019 Toyota RAV4
2019 Toyota Camry TrimsRate
L Sedan$1,580
LE Sedan1,856
SE Sedan1,856
XLE Sedan1,958
XSE Sedan1,958
Hybrid LE Sedan2,018
Hybrid SE Sedan2,018
Hybrid XLE Sedan2,078
2019 Toyota Camry Average Rate$1,914

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 5.6%.

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 $1,562 to $3,514 per year for the driver ages used. Auto insurance on a 2018 Toyota Camry ranges from $1,648 to $3,732 on average per year.

Average car insurance premiums for 2018 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$5,385$5,734
20-Year-Old$3,514$3,732
25-Year-Old$2,030$2,144
30-Year-Old$1,858$1,966
40-Year-Old$1,750$1,850
50-Year-Old$1,562$1,648
60-Year-Old$1,462$1,544

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

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 $1,636 per year, or around $136 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 $1,656.

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 $1,636 per year, and the most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan costing $1,994 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.

2018 Toyota RAV4

$1,750

Insurance Rates by Trim Level for a 2018 Toyota RAV4
2018 Toyota RAV4 TrimsRate
LE 2WD$1,636
LE 4WD1,636
XLE 2WD1,636
Hybrid LE AWD1,682
Adventure 2WD1,692
XLE 4WD1,692
Hybrid XLE AWD1,724
Adventure 4WD1,748
SE 2WD1,748
Hybrid SE AWD1,794
Limited 2WD1,804
Limited 4WD1,804
SE 4WD1,804
Hybrid Limited AWD1,836
Platinum 2WD1,860
Platinum 4WD1,916
2018 Toyota RAV4 Average Rate$1,750

2018 Toyota Camry

$1,850

Insurance Rates by Trim Level for 2018 Toyota RAV4
2018 Toyota Camry TrimsRate
L Sedan$1,656
LE Sedan1,730
SE Sedan1,788
XLE Sedan1,882
XSE Sedan1,882
Hybrid LE Sedan1,938
Hybrid SE Sedan1,938
Hybrid XLE Sedan1,994
2018 Toyota Camry Average Rate$1,850

2017 Toyota RAV4 vs. Toyota Camry

When comparing insurance rates for 2017 models, the Toyota RAV4 costs $1,712 per year for full coverage and the Toyota Camry costs $1,794, making the Toyota RAV4 the model with cheaper insurance by $82 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 $1,532 to $3,440 per year for the age groups used in this illustration. Auto insurance for a 2017 Toyota Camry ranges from $1,598 to $3,612 on average per year.

Average car insurance premiums for 2017 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2017 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$5,262$5,541
20-Year-Old$3,440$3,612
25-Year-Old$1,986$2,078
30-Year-Old$1,816$1,898
40-Year-Old$1,712$1,794
50-Year-Old$1,532$1,598
60-Year-Old$1,430$1,496

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 26, 2025

Out of 12 Toyota RAV4 trims, the cheapest 2017 trim to insure is the LE 2WD model at an average cost of $1,584 per year, or $132 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 $1,672 per year, or about $139 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 $1,584 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at a cost of $1,920 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.

2017 Toyota RAV4

$1,712

Insurance Rates by Trim Level for a 2017 Toyota RAV4
2017 Toyota RAV4 TrimsRate
LE 2WD$1,584
LE 4WD1,636
XLE 2WD1,636
Hybrid XLE AWD1,662
SE 2WD1,688
XLE 4WD1,688
Limited 2WD1,742
SE 4WD1,742
Hybrid Limited AWD1,768
Limited 4WD1,794
Platinum 2WD1,794
Platinum AWD 4WD1,846
2017 Toyota RAV4 Average Rate$1,712

2017 Toyota Camry

$1,794

Insurance Rates by Trim Level for 2017 Toyota RAV4
2017 Toyota Camry TrimsRate
LE Sedan$1,672
SE Sedan1,672
XLE Sedan1,778
XSE Sedan1,778
Hybrid LE Sedan1,868
Hybrid SE Sedan1,868
Hybrid XLE Sedan1,920
2017 Toyota Camry Average Rate$1,794

2016 Toyota RAV4 vs. Toyota Camry

For 2016 Toyota RAV4 and Toyota Camry models, the Toyota RAV4 is cheaper to insure by $54 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 $1,430 to $3,194 per year for the sample drivers in the chart. A full-coverage policy for a 2016 Toyota Camry costs from $1,480 to $3,324 on average per year.

Average car insurance premiums for 2016 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$4,882$5,084
20-Year-Old$3,194$3,324
25-Year-Old$1,848$1,914
30-Year-Old$1,690$1,750
40-Year-Old$1,598$1,652
50-Year-Old$1,430$1,480
60-Year-Old$1,336$1,384

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

Out of 10 trims for the 2016 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,506 per year, or $126 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 $1,606.

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 $1,506 per year, and the overall most expensive vehicle to insure is the Toyota Camry XSE Sedan at a cost of $1,704 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.

2016 Toyota RAV4

$1,598

Insurance Rates by Trim Level for a 2016 Toyota RAV4
2016 Toyota RAV4 TrimsRate
LE 2WD$1,506
LE 4WD1,506
XLE 2WD1,554
XLE 4WD1,554
Hybrid XLE AWD1,602
SE 2WD1,604
Limited 2WD1,650
Limited 4WD1,650
SE 4WD1,650
Hybrid Limited AWD1,698
2016 Toyota RAV4 Average Rate$1,598

2016 Toyota Camry

$1,652

Insurance Rates by Trim Level for 2016 Toyota RAV4
2016 Toyota Camry TrimsRate
LE Sedan$1,606
SE Sedan1,606
Hybrid LE Sedan1,634
Hybrid SE Sedan1,634
Hybrid XLE Sedan1,682
XLE Sedan1,704
XSE Sedan1,704
2016 Toyota Camry Average Rate$1,652

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 $42 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 $1,318 to $2,930 per year for the age groups used in this illustration. A full-coverage policy for a 2015 Toyota Camry ranges from $1,354 to $3,020 on average per year.

Average car insurance premiums for 2015 Toyota RAV4 and Toyota Camry models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Toyota RAV4 and Toyota Camry models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Toyota RAV4 and Toyota Camry. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Toyota RAV4 vs. Toyota Camry Insurance Cost
Driver Age Toyota RAV4 Toyota Camry
18-Year-Old$4,463$4,608
20-Year-Old$2,930$3,020
25-Year-Old$1,692$1,742
30-Year-Old$1,544$1,592
40-Year-Old$1,466$1,508
50-Year-Old$1,318$1,354
60-Year-Old$1,230$1,266

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

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 $1,394 per year, or around $116 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 $1,394 per year, or $116 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 $1,394 per year, and the most expensive trim is the Toyota Camry Hybrid XLE Sedan costing an average of $1,604 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.

2015 Toyota RAV4

$1,466

Insurance Rates by Trim Level for a 2015 Toyota RAV4
2015 Toyota RAV4 TrimsRate
LE 2WD$1,394
LE 4WD1,438
XLE 2WD1,438
XLE 4WD1,482
Limited 2WD1,522
Limited 4WD1,522
2015 Toyota RAV4 Average Rate$1,466

2015 Toyota Camry

$1,508

Insurance Rates by Trim Level for 2015 Toyota RAV4
2015 Toyota Camry TrimsRate
LE Sedan$1,394
SE Sedan1,394
XLE Sedan1,482
XSE Sedan1,482
Hybrid LE Sedan1,604
Hybrid SE Sedan1,604
Hybrid XLE Sedan1,604
2015 Toyota Camry Average Rate$1,508

Additional Toyota RAV4 and Toyota Camry Resources