Toyota RAV4 vs Highlander Insurance Cost

Does the Toyota RAV4 or the Highlander have cheaper car insurance rates? We compared insurance cost for the 2015 through 2024 model years to get an answer.

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  • A 2024 Toyota Highlander costs less to insure than a 2024 Toyota RAV4 by an average of $30 per year, $2,162 compared to $2,132.
  • For a 2024 Toyota RAV4, average full-coverage car insurance rates range from $1,908 to $2,546 per year, while a 2024 Toyota Highlander ranges from $1,958 to $2,316 for full-coverage.
  • Average car insurance cost per month for the Toyota RAV4 is 1.1% more expensive than the Toyota Highlander, at $180 versus $178, a difference of $2.

Is a Toyota RAV4 or Highlander cheaper to insure?

Insurance on a 2024 Toyota RAV4 averages $2,162 per year, while insurance for a 2024 Toyota Highlander costs an average of $2,132 per year, making the Toyota Highlander the cheaper of the two to insure.

Out of 19 Toyota RAV4 trim levels, the cheapest 2024 trim level to insure is the LE AWD model at an average cost of $1,908 per year, or around $159 per month. The 2024 Toyota Highlander has 20 trim levels available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,958 per year, or $163 per month.

When rates for all 39 trim levels for both vehicles are compared, the cheapest vehicle to insure is the Toyota RAV4 LE AWD at an average of $1,908 per year, and the highest-cost model and trim is the Toyota RAV4 Prime XSE AWD costing an average of $2,546 per year.

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2024 Toyota RAV4 and Toyota Highlander models, showing average cost for each trim level.

2024 Model Year Toyota RAV4 vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,908$159
$1,958$163
$1,960$163
$2,000$167
$2,000$167
$2,016$168
$2,036$170
$2,064$172
$2,064$172
$2,068$172
$2,068$172
$2,068$172
$2,086$174
$2,112$176
$2,114$176
$2,118$177
$2,126$177
$2,126$177
$2,142$179
$2,148$179
$2,152$179
$2,160$180
$2,160$180
$2,162$180
$2,162$180
$2,180$182
$2,184$182
$2,186$182
$2,192$183
$2,210$184
$2,210$184
$2,220$185
$2,236$186
$2,248$187
$2,248$187
$2,262$189
$2,316$193
$2,476$206
$2,546$212

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

The next chart displays the average cost to insure the two 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 driver ages used. A 2024 Toyota Highlander costs from $1,880 to $4,268 to insure per year.

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

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Data Methodology: Rates based on a 2024 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$6,665$6,566
20-Year-Old$4,342$4,268
25-Year-Old$2,510$2,474
30-Year-Old$2,302$2,280
40-Year-Old$2,162$2,132
50-Year-Old$1,920$1,880
60-Year-Old$1,798$1,762

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 two tables below show average car insurance rates for each trim level, as well as the overall average rate for each model. The model with cheapest auto insurance rates for 2024 is the Toyota Highlander.

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 Highlander

$2,132

Insurance Rates by Trim Level for 2024 Toyota RAV4
2024 Toyota Highlander TrimsRate
LE 2WD$1,958
Hybrid LE 2WD2,000
LE AWD2,000
XLE 2WD2,036
Hybrid XLE 2WD2,068
XLE AWD2,068
XSE 2WD2,068
XSE AWD2,112
Limited 2WD2,126
Bronze Edition 2WD2,126
Bronze Edition AWD2,152
Hybrid Limited 2WD2,160
Limited AWD2,160
Platinum 2WD2,180
Hybrid Limited AWD2,184
Hybrid Platinum 2WD2,210
Platinum AWD2,210
Hybrid Platinum AWD2,236
Hybrid LE AWD2,248
Hybrid XLE AWD2,316
2024 Toyota Highlander Average Rate$2,132

2023 Toyota RAV4 vs. Toyota Highlander

Average insurance rates for a 2023 Toyota RAV4 are $2,112 per year, while insurance for a 2023 Toyota Highlander averages $2,284 per year, making the Toyota RAV4 the model with better average insurance cost.

For the 19 trim levels available for the 2023 Toyota RAV4, the cheapest trim level to insure is the LE 2WD trim at an average cost of $1,896 per year, or about $158 per month.

The 2023 Toyota Highlander has 22 trims available, with the cheapest trim to insure being the L 2WD model at an average cost of $2,002 per year, or about $167 per month.

When comparing aggregated rates for both models from a trim-level perspective, the overall cheapest vehicle to insure is the Toyota RAV4 LE 2WD at an average cost of $1,896 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,566 per year.

The table below compares and ranks the cost of car insurance for 2023 Toyota RAV4 and Toyota Highlander models, showing average cost for each trim level.

2023 Model Year Toyota RAV4 vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,896$158
$1,954$163
$1,954$163
$2,000$167
$2,002$167
$2,008$167
$2,052$171
$2,054$171
$2,060$172
$2,074$173
$2,086$174
$2,092$174
$2,102$175
$2,114$176
$2,120$177
$2,140$178
$2,152$179
$2,174$181
$2,174$181
$2,190$183
$2,190$183
$2,206$184
$2,206$184
$2,230$186
$2,234$186
$2,238$187
$2,244$187
$2,270$189
$2,282$190
$2,298$192
$2,300$192
$2,324$194
$2,336$195
$2,362$197
$2,368$197
$2,396$200
$2,428$202
$2,490$208
$2,518$210
$2,544$212
$2,566$214

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

The rate chart below illustrates the average cost to insure the two models with different ages of drivers. The average cost of car insurance ranges from $1,870 to $4,252 per year for a 2023 Toyota RAV4, and $2,018 to $4,632 for a 2023 Toyota Highlander for the driver ages used.

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

Data Methodology: Rates based on a 2023 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$6,543$7,156
20-Year-Old$4,252$4,632
25-Year-Old$2,450$2,658
30-Year-Old$2,250$2,446
40-Year-Old$2,112$2,284
50-Year-Old$1,870$2,018
60-Year-Old$1,752$1,892

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 next two rate tables illustrate the average cost to insure all 2023 trim levels, along with an average cost for each model. The model with the cheapest car insurance rates for 2023 is the Toyota RAV4.

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 Highlander

$2,284

Insurance Rates by Trim Level for 2023 Toyota RAV4
2023 Toyota Highlander TrimsRate
L 2WD$2,002
L AWD2,054
LE 2WD2,074
LE AWD2,120
XLE 2WD2,152
XLE AWD2,190
XSE 2WD2,190
XSE AWD2,230
Bronze Edition 2WD2,238
Limited 2WD2,244
Bronze Edition AWD2,270
Limited AWD2,282
Platinum 2WD2,300
Hybrid LE 2WD2,324
Platinum AWD2,336
Hybrid LE AWD2,362
Hybrid XLE 2WD2,396
Hybrid XLE AWD2,428
Hybrid Limited 2WD2,490
Hybrid Limited AWD2,518
Hybrid Platinum 2WD2,544
Hybrid Platinum AWD2,566
2023 Toyota Highlander Average Rate$2,284

2022 Toyota RAV4 vs. Toyota Highlander

Average car insurance rates for a 2022 Toyota RAV4 are $2,018 per year, whereas insurance for a Toyota Highlander costs an average of $2,150 per year, making the Toyota RAV4 the better deal by $132 per year.

Within each different model, however, insurance cost varies noticeably depending on the trim level of the vehicle being insured.

For a 2022 Toyota RAV4, car insurance rates range from the lowest rate of $1,866 per year for the LE 2WD model up to the most expensive rate of $2,182 for the Prime XSE AWD model. For a 2022 Toyota Highlander, rates can range from $1,886 per year for the L 2WD model up to $2,424 for the Hybrid Platinum AWD model.

When comparing rates by trim level for both models, the lowest-cost model and trim is the Toyota RAV4 LE 2WD at an average of $1,866 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,424 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Toyota Highlander models include the L 2WD, L AWD, and LE 2WD. On a monthly basis, insurance rates for all 2022 Toyota RAV4 and Toyota Highlander models and trims range from $156 to $202 per month.

The next table compares the yearly and monthly cost of car insurance for 2022 Toyota RAV4 and Toyota Highlander models, with average rates for every trim level for each model.

2022 Model Year Toyota RAV4 vs. Toyota Highlander Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,866$156
$1,886$157
$1,904$159
$1,910$159
$1,936$161
$1,938$162
$1,944$162
$1,950$163
$1,976$165
$1,988$166
$1,990$166
$1,996$166
$2,012$168
$2,022$169
$2,024$169
$2,034$170
$2,058$172
$2,058$172
$2,066$172
$2,072$173
$2,088$174
$2,092$174
$2,096$175
$2,100$175
$2,104$175
$2,106$176
$2,126$177
$2,138$178
$2,144$179
$2,160$180
$2,182$182
$2,190$183
$2,196$183
$2,232$186
$2,266$189
$2,296$191
$2,342$195
$2,374$198
$2,398$200
$2,424$202

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

The chart below compares average Toyota RAV4 insurance cost to Toyota Highlander insurance cost for the 2022 model year and different driver ages.

Average car insurance premiums for 2022 Toyota RAV4 and Toyota Highlander models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota RAV4 and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$6,273$6,752
20-Year-Old$4,076$4,366
25-Year-Old$2,344$2,502
30-Year-Old$2,152$2,300
40-Year-Old$2,018$2,150
50-Year-Old$1,788$1,902
60-Year-Old$1,676$1,782

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 27, 2025

The tables below detail insurance rates for all trim levels of 2022 RAV4 and Highlander models. The 2022 Toyota RAV4 has an average insurance cost of $2,018 and the 2022 Toyota Highlander is $2,150, making the Toyota RAV4 cheaper by $132 per year.

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 Highlander

$2,150

Insurance Rates by Trim Level for 2022 Toyota RAV4
2022 Toyota Highlander TrimsRate
L 2WD$1,886
L AWD1,936
LE 2WD1,950
LE AWD1,990
XLE 2WD2,024
XLE AWD2,058
XSE 2WD2,058
Bronze Edition 2WD2,096
XSE AWD2,100
Limited 2WD2,106
Bronze Edition AWD2,126
Limited AWD2,144
Platinum 2WD2,160
Platinum AWD2,190
Hybrid LE 2WD2,196
Hybrid LE AWD2,232
Hybrid XLE 2WD2,266
Hybrid XLE AWD2,296
Hybrid Limited 2WD2,342
Hybrid Limited AWD2,374
Hybrid Platinum 2WD2,398
Hybrid Platinum AWD2,424
2022 Toyota Highlander Average Rate$2,150

2021 Toyota RAV4 vs. Toyota Highlander

For 2021 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 is cheaper to insure by an average of $182 per year for this model year.

The next chart displays the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2021 Toyota RAV4, the average cost of car insurance ranges from $1,796 to $4,068 per year. A 2021 Toyota Highlander costs from $1,952 to $4,488 to insure per year.

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

Data Methodology: Rates based on a 2021 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$6,245$6,933
20-Year-Old$4,068$4,488
25-Year-Old$2,342$2,562
30-Year-Old$2,144$2,348
40-Year-Old$2,020$2,202
50-Year-Old$1,796$1,952
60-Year-Old$1,680$1,830

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

Out of 12 Toyota RAV4 trim levels, the cheapest 2021 trim to insure is the LE 2WD model at an average cost of $1,846 per year. For the 17 trim levels available for the Toyota Highlander, the cheapest 2021 model to insure is the L 2WD trim at a cost of $1,936 per year, or $161 per month.

When auto insurance rates for all 29 trim levels for the 2021 model year of both models are compared, the lowest-cost model and trim to insure is the Toyota RAV4 LE 2WD at an average rate of $1,846 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $2,536 per year.

The two tables below show the average cost to insure all 2021 trim levels, plus an average rate for each model.

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 Highlander

$2,202

Insurance Rates by Trim Level for 2021 Toyota RAV4
2021 Toyota Highlander TrimsRate
L 2WD$1,936
L 4WD1,998
LE 2WD1,998
LE 4WD1,998
XLE 2WD1,998
Limited 2WD2,064
XLE 4WD2,064
Limited 4WD2,128
Platinum 2WD2,128
Platinum 4WD2,128
Hybrid LE 2WD2,320
Hybrid LE 4WD2,320
Hybrid XLE 4WD2,382
Hybrid Limited 2WD2,494
Hybrid Limited 4WD2,494
Hybrid Platinum 2WD2,494
Hybrid Platinum 4WD2,536
2021 Toyota Highlander Average Rate$2,202

2020 Toyota RAV4 vs Highlander

For 2020 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 is cheaper to insure by an average of $178 per year for this comparison year.

The chart shown below shows the average cost to insure the two models with different drivers at the wheel. For a 2020 Toyota RAV4, insurance cost ranges from $1,746 to $3,952 per year for the age groups used in the chart. A 2020 Toyota Highlander costs from $1,900 to $4,366 to insure per year.

Average car insurance premiums for 2020 Toyota RAV4 and Toyota Highlander models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota RAV4 and Toyota Highlander models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2020 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$6,064$6,739
20-Year-Old$3,952$4,366
25-Year-Old$2,276$2,490
30-Year-Old$2,082$2,282
40-Year-Old$1,962$2,140
50-Year-Old$1,746$1,900
60-Year-Old$1,634$1,780

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 26, 2025

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 about $150 per month.

For the 17 trims available for the Toyota Highlander, the cheapest 2020 trim to insure is the L 2WD model at a cost of $1,880 per year, or $157 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the Toyota RAV4 LE 2WD at an average rate of $1,798 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,464 per year.

The tables shown below show the average insurance cost by trim level for both 2020 models, including an overall average rate.

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 Highlander

$2,140

Insurance Rates by Trim Level for 2020 Toyota RAV4
2020 Toyota Highlander TrimsRate
L 2WD$1,880
L 4WD1,944
LE 2WD1,944
LE 4WD1,944
XLE 2WD1,944
Limited 2WD2,006
XLE 4WD2,006
Limited 4WD2,066
Platinum 2WD2,066
Platinum 4WD2,066
Hybrid LE 2WD2,256
Hybrid LE 4WD2,256
Hybrid XLE 4WD2,318
Hybrid Limited 2WD2,424
Hybrid Limited 4WD2,424
Hybrid Platinum 2WD2,424
Hybrid Platinum 4WD2,464
2020 Toyota Highlander Average Rate$2,140

2019 Toyota RAV4 vs Highlander

For 2019 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 is cheaper to insure by an average of $174 per year.

The next chart illustrates the average cost to insure both 2019 models for drivers aged 20 to 50. For a 2019 Toyota RAV4, the average cost of car insurance ranges from $1,638 to $3,702 per year for these driver ages. A 2019 Toyota Highlander costs from $1,784 to $4,108 to insure per year.

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

Data Methodology: Rates based on a 2019 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$5,679$6,352
20-Year-Old$3,702$4,108
25-Year-Old$2,134$2,340
30-Year-Old$1,954$2,148
40-Year-Old$1,838$2,012
50-Year-Old$1,638$1,784
60-Year-Old$1,534$1,674

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

The 2019 Toyota RAV4 has 13 trims available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,702 per year, or around $142 per month.

The 2019 Toyota Highlander has 17 trims available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,810 per year, or $151 per month.

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 of $1,702 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD at an average of $2,208 per year.

The two tables below show the expected annual car insurance cost by trim level for both 2019 models, along with the average rate for each model. The model with the cheapest auto 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 Highlander

$2,012

Insurance Rates by Trim Level for 2019 Toyota RAV4
2019 Toyota Highlander TrimsRate
LE 2WD$1,810
LE 4WD1,868
LE Plus 2WD1,928
LE Plus 4WD1,928
XLE 2WD1,928
Limited 2WD1,988
Limited 4WD1,988
SE 2WD1,988
SE 4WD1,988
XLE 4WD1,988
Limited Platinum 2WD2,046
Limited Platinum 4WD2,046
Hybrid 4WD2,090
Hybrid LE 4WD2,090
Hybrid XLE 4WD2,148
Hybrid Limited 4WD2,208
Hybrid Limited Platinum 4WD2,208
2019 Toyota Highlander Average Rate$2,012

2018 Toyota RAV4 vs Highlander

When comparing insurance cost for 2018 models, a Toyota RAV4 costs an average of $1,750 per year to insure and a Toyota Highlander costs $1,924, making the Toyota RAV4 cheaper to insure by $174 per year.

The chart below displays the average cost to insure both models for a range of driver ages. Average insurance cost ranges from $1,562 to $3,514 per year for a 2018 Toyota RAV4, and $1,708 to $3,916 for a 2018 Toyota Highlander.

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

Data Methodology: Rates based on a 2018 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$5,385$6,046
20-Year-Old$3,514$3,916
25-Year-Old$2,030$2,236
30-Year-Old$1,858$2,052
40-Year-Old$1,750$1,924
50-Year-Old$1,562$1,708
60-Year-Old$1,462$1,604

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

Out of 16 trims for the 2018 Toyota RAV4, the cheapest rates are on the LE 2WD trim at a cost of $1,636 per year, or around $136 per month.

The 2018 Toyota Highlander has 16 trim levels available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,730 per year.

When rates for all 32 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Toyota RAV4 LE 2WD at an average of $1,636 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD at an average of $2,132 per year.

The rate tables below illustrate the expected annual car insurance cost by trim level for both 2018 models, including the average rate for each model. The winner for the 2018 car insurance battle is the Toyota RAV4.

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 Highlander

$1,924

Insurance Rates by Trim Level for 2018 Toyota RAV4
2018 Toyota Highlander TrimsRate
LE 2WD$1,730
LE 4WD1,784
Plus 2WD1,784
Plus 4WD1,842
XLE 2WD1,842
Limited 4WD1,896
SE 4WD1,896
XLE 4WD1,896
SE 2WD1,924
Limited Platinum 4WD1,952
Limited 2WD1,980
Limited Platinum 2WD1,980
Hybrid LE 4WD1,998
Hybrid XLE 4WD2,054
Hybrid 4WD2,116
Hybrid Limited 4WD2,132
2018 Toyota Highlander Average Rate$1,924

2017 Toyota RAV4 vs Highlander

When comparing insurance rates for the 2017 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 has cheaper rates by an average of $122 per year for this model year.

The next chart demonstrates the average cost to insure both models with different driver age groups. For a 2017 Toyota RAV4, the average cost of car insurance ranges from $1,532 to $3,440 per year for the included driver ages. A 2017 Toyota Highlander costs from $1,628 to $3,726 to insure per year.

Average car insurance premiums for 2017 Toyota RAV4 and Toyota Highlander models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota RAV4 and Toyota Highlander models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$5,262$5,750
20-Year-Old$3,440$3,726
25-Year-Old$1,986$2,126
30-Year-Old$1,816$1,948
40-Year-Old$1,712$1,834
50-Year-Old$1,532$1,628
60-Year-Old$1,430$1,528

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 27, 2025

For the 12 trims available for the 2017 Toyota RAV4, the cheapest trim level to insure is the LE 2WD trim at an average cost of $1,584 per year, or $132 per month. For the 14 trim levels available for the Toyota Highlander, the cheapest 2017 model to insure is the LE 2WD trim at a cost of $1,666.

When average car insurance prices for all 26 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Toyota RAV4 LE 2WD at an average rate of $1,584 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,030 per year.

The next two rate tables illustrate average car insurance cost by trim level for a 2017 Toyota RAV4 and Toyota Highlander, including an overall average cost for each model. The 2017 Toyota RAV4 reigns victorious over the 2017 Toyota Highlander for the cheapest average car insurance rates.

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 Highlander

$1,834

Insurance Rates by Trim Level for 2017 Toyota RAV4
2017 Toyota Highlander TrimsRate
LE 2WD$1,666
LE 4WD1,720
Plus 2WD1,720
Plus 4WD1,772
XLE 2WD1,772
XLE 4WD1,772
Limited 2WD1,824
Limited 4WD1,824
Platinum 2WD1,824
Platinum 4WD1,876
Hybrid LE 4WD1,924
Hybrid Limited 4WD1,976
Hybrid XLE 4WD1,976
Hybrid Platinum 4WD2,030
2017 Toyota Highlander Average Rate$1,834

2016 Toyota RAV4 vs Highlander

For 2016 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 has lower-cost car insurance by an average of $208 per year for this model year.

The chart below illustrates the average cost to insure both 2016 models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,430 to $3,194 per year for a 2016 Toyota RAV4, and $1,612 to $3,658 for a 2016 Toyota Highlander for the included age groups.

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

Data Methodology: Rates based on a 2016 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$4,882$5,624
20-Year-Old$3,194$3,658
25-Year-Old$1,848$2,094
30-Year-Old$1,690$1,918
40-Year-Old$1,598$1,806
50-Year-Old$1,430$1,612
60-Year-Old$1,336$1,508

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 Toyota RAV4 trims, the cheapest 2016 trim to insure is the LE 2WD model at an average cost of $1,506 per year. Out of the 12 trim levels available for the Toyota Highlander, the cheapest 2016 trim to insure is the LE 2WD model at a cost of $1,636.

When car insurance rates for all 22 trim levels for both 2016 models are compared, the lowest-cost model and trim to insure is the Toyota RAV4 LE 2WD at a cost of $1,506 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $2,028 per year.

The next two tables illustrate the cost to insure the available trim levels for both 2016 models, along with the average rate for each model. The cheapest 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 Highlander

$1,806

Insurance Rates by Trim Level for 2016 Toyota RAV4
2016 Toyota Highlander TrimsRate
LE 2WD$1,636
LE 4WD1,686
Plus 2WD1,734
Plus 4WD1,734
XLE 2WD1,782
XLE 4WD1,782
Limited 2WD1,830
Limited 4WD1,830
Platinum 2WD1,830
Platinum 4WD1,830
Hybrid Limited 4WD1,980
Hybrid Platinum 4WD2,028
2016 Toyota Highlander Average Rate$1,806

2015 Toyota RAV4 vs Highlander

For 2015 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 has cheaper car insurance rates by an average of $154 per year.

The rate chart below visualizes the average cost to insure both 2015 models for drivers from age 20 to 50. 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 Toyota Highlander costs from $1,446 to $3,274 to insure per year.

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

Data Methodology: Rates based on a 2015 model year Toyota RAV4 and Toyota Highlander. 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 Highlander Insurance Cost
Driver Age Toyota RAV4 Toyota Highlander
18-Year-Old$4,463$5,036
20-Year-Old$2,930$3,274
25-Year-Old$1,692$1,880
30-Year-Old$1,544$1,722
40-Year-Old$1,466$1,620
50-Year-Old$1,318$1,446
60-Year-Old$1,230$1,354

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

For the six trim levels available for the 2015 Toyota RAV4, the cheapest trim level to insure is the LE 2WD trim at an average cost of $1,394 per year.

Out of the 12 trims available for the Toyota Highlander, the cheapest 2015 trim level to insure is the LE 2WD model at a cost of $1,460 per year, or about $122 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Toyota RAV4 LE 2WD at an average rate of $1,394 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $1,872 per year.

The next two tables show trim level insurance cost averages for both 2015 models, as well as the overall average rate for each model. The model with the cheapest car insurance rates 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 Highlander

$1,620

Insurance Rates by Trim Level for 2015 Toyota RAV4
2015 Toyota Highlander TrimsRate
LE 2WD$1,460
LE 4WD1,504
Plus 2WD1,504
Plus 4WD1,550
Limited 2WD1,594
XLE 2WD1,594
XLE 4WD1,594
Limited 4WD1,638
Platinum 2WD1,638
Platinum 4WD1,638
Hybrid Limited 4WD1,872
Hybrid Platinum 4WD1,872
2015 Toyota Highlander Average Rate$1,620

Additional Toyota RAV4 and Toyota Highlander Resources