- A 2024 Toyota Highlander costs less to insure than a 2024 Toyota RAV4 by an average of $32 per year, $2,212 compared to $2,180.
- For a 2024 Toyota RAV4, average full-coverage car insurance rates range from $1,954 to $2,608 per year, while a 2024 Toyota Highlander ranges from $2,006 to $2,370 for full-coverage.
- Average car insurance cost per month for the Toyota RAV4 is 1.1% more expensive than the Toyota Highlander, at $184 versus $182, a difference of $2.
Is a Toyota RAV4 or Highlander cheaper to insure?
Insurance on a 2024 Toyota RAV4 averages $2,212 per year, while insurance for a 2024 Toyota Highlander costs an average of $2,180 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 $1,954 per year, or around $163 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 $2,006 per year, or $167 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 $1,954 per year, and the highest-cost model and trim is the Toyota RAV4 Prime XSE AWD costing an average of $2,608 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.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| RAV4 LE AWD | $1,954 | $163 |
| RAV4 LE 2WD | $2,006 | $167 |
| Highlander LE 2WD | $2,006 | $167 |
| Highlander Hybrid LE 2WD | $2,050 | $171 |
| Highlander LE AWD | $2,050 | $171 |
| RAV4 XLE 2WD | $2,062 | $172 |
| Highlander XLE 2WD | $2,084 | $174 |
| RAV4 LE Hybrid AWD | $2,114 | $176 |
| RAV4 XLE AWD | $2,114 | $176 |
| Highlander Hybrid XLE 2WD | $2,120 | $177 |
| Highlander XLE AWD | $2,120 | $177 |
| Highlander XSE 2WD | $2,120 | $177 |
| RAV4 Limited Hybrid AWD | $2,136 | $178 |
| Highlander XSE AWD | $2,160 | $180 |
| RAV4 XLE Hybrid AWD | $2,164 | $180 |
| RAV4 XSE Hybrid AWD | $2,172 | $181 |
| Highlander Limited 2WD | $2,176 | $181 |
| Highlander Bronze Edition 2WD | $2,176 | $181 |
| RAV4 XLE Premium 2WD | $2,192 | $183 |
| RAV4 SE Hybrid AWD | $2,202 | $184 |
| Highlander Bronze Edition AWD | $2,204 | $184 |
| Highlander Hybrid Limited 2WD | $2,212 | $184 |
| Highlander Limited AWD | $2,212 | $184 |
| RAV4 Adventure AWD | $2,216 | $185 |
| RAV4 Woodland Edition Hybrid AWD | $2,216 | $185 |
| Highlander Platinum 2WD | $2,232 | $186 |
| RAV4 XLE Premium AWD | $2,236 | $186 |
| Highlander Hybrid Limited AWD | $2,238 | $187 |
| RAV4 XLE Premium Hybrid AWD | $2,244 | $187 |
| Highlander Hybrid Platinum 2WD | $2,262 | $189 |
| Highlander Platinum AWD | $2,262 | $189 |
| RAV4 Limited 2WD | $2,274 | $190 |
| Highlander Hybrid Platinum AWD | $2,288 | $191 |
| Highlander Hybrid LE AWD | $2,300 | $192 |
| RAV4 TRD Off-Road AWD | $2,302 | $192 |
| RAV4 Limited AWD | $2,316 | $193 |
| Highlander Hybrid XLE AWD | $2,370 | $198 |
| RAV4 Prime SE AWD | $2,536 | $211 |
| RAV4 Prime XSE AWD | $2,608 | $217 |
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 October 24, 2025
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 $1,966 to $4,448 per year for the driver ages used. A 2024 Toyota Highlander costs from $1,928 to $4,372 to insure per year.
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
$2,212
| 2024 Toyota RAV4 Trims | Rate |
|---|---|
| LE AWD | $1,954 |
| LE 2WD | 2,006 |
| XLE 2WD | 2,062 |
| LE Hybrid AWD | 2,114 |
| XLE AWD | 2,114 |
| Limited Hybrid AWD | 2,136 |
| XLE Hybrid AWD | 2,164 |
| XSE Hybrid AWD | 2,172 |
| XLE Premium 2WD | 2,192 |
| SE Hybrid AWD | 2,202 |
| Adventure AWD | 2,216 |
| Woodland Edition Hybrid AWD | 2,216 |
| XLE Premium AWD | 2,236 |
| XLE Premium Hybrid AWD | 2,244 |
| Limited 2WD | 2,274 |
| TRD Off-Road AWD | 2,302 |
| Limited AWD | 2,316 |
| Prime SE AWD | 2,536 |
| Prime XSE AWD | 2,608 |
| 2024 Toyota RAV4 Average Rate | $2,212 |
2024 Toyota Highlander
$2,180
| 2024 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $2,006 |
| Hybrid LE 2WD | 2,050 |
| LE AWD | 2,050 |
| XLE 2WD | 2,084 |
| Hybrid XLE 2WD | 2,120 |
| XLE AWD | 2,120 |
| XSE 2WD | 2,120 |
| XSE AWD | 2,160 |
| Limited 2WD | 2,176 |
| Bronze Edition 2WD | 2,176 |
| Bronze Edition AWD | 2,204 |
| Hybrid Limited 2WD | 2,212 |
| Limited AWD | 2,212 |
| Platinum 2WD | 2,232 |
| Hybrid Limited AWD | 2,238 |
| Hybrid Platinum 2WD | 2,262 |
| Platinum AWD | 2,262 |
| Hybrid Platinum AWD | 2,288 |
| Hybrid LE AWD | 2,300 |
| Hybrid XLE AWD | 2,370 |
| 2024 Toyota Highlander Average Rate | $2,180 |
2023 Toyota RAV4 vs. Toyota Highlander
Average insurance rates for a 2023 Toyota RAV4 are $2,162 per year, while insurance for a 2023 Toyota Highlander averages $2,340 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 $1,940 per year, or about $162 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 $2,050 per year, or about $171 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 $1,940 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,628 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.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| RAV4 LE 2WD | $1,940 | $162 |
| RAV4 LE AWD | $2,000 | $167 |
| RAV4 XLE 2WD | $2,000 | $167 |
| RAV4 LE Hybrid AWD | $2,048 | $171 |
| Highlander L 2WD | $2,050 | $171 |
| RAV4 XLE AWD | $2,056 | $171 |
| RAV4 XLE Hybrid AWD | $2,102 | $175 |
| Highlander L AWD | $2,104 | $175 |
| RAV4 XLE Premium 2WD | $2,108 | $176 |
| Highlander LE 2WD | $2,126 | $177 |
| RAV4 SE Hybrid AWD | $2,138 | $178 |
| RAV4 Woodland Edition Hybrid AWD | $2,144 | $179 |
| RAV4 XLE Premium AWD | $2,152 | $179 |
| RAV4 Adventure AWD | $2,164 | $180 |
| Highlander LE AWD | $2,172 | $181 |
| RAV4 XLE Premium Hybrid AWD | $2,190 | $183 |
| Highlander XLE 2WD | $2,204 | $184 |
| RAV4 Limited 2WD | $2,224 | $185 |
| RAV4 XSE Hybrid AWD | $2,224 | $185 |
| Highlander XLE AWD | $2,244 | $187 |
| Highlander XSE 2WD | $2,244 | $187 |
| RAV4 Limited AWD | $2,260 | $188 |
| RAV4 TRD Off-Road AWD | $2,260 | $188 |
| Highlander XSE AWD | $2,286 | $191 |
| RAV4 Limited Hybrid AWD | $2,288 | $191 |
| Highlander Bronze Edition 2WD | $2,292 | $191 |
| Highlander Limited 2WD | $2,300 | $192 |
| Highlander Bronze Edition AWD | $2,324 | $194 |
| Highlander Limited AWD | $2,338 | $195 |
| RAV4 Prime SE AWD | $2,354 | $196 |
| Highlander Platinum 2WD | $2,356 | $196 |
| Highlander Hybrid LE 2WD | $2,378 | $198 |
| Highlander Platinum AWD | $2,392 | $199 |
| Highlander Hybrid LE AWD | $2,418 | $202 |
| RAV4 Prime XSE AWD | $2,424 | $202 |
| Highlander Hybrid XLE 2WD | $2,454 | $205 |
| Highlander Hybrid XLE AWD | $2,486 | $207 |
| Highlander Hybrid Limited 2WD | $2,550 | $213 |
| Highlander Hybrid Limited AWD | $2,580 | $215 |
| Highlander Hybrid Platinum 2WD | $2,604 | $217 |
| Highlander Hybrid Platinum AWD | $2,628 | $219 |
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 October 24, 2025
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 $1,916 to $4,354 per year for a 2023 Toyota RAV4, and $2,066 to $4,746 for a 2023 Toyota Highlander for the driver ages used.
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
$2,162
| 2023 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,940 |
| LE AWD | 2,000 |
| XLE 2WD | 2,000 |
| LE Hybrid AWD | 2,048 |
| XLE AWD | 2,056 |
| XLE Hybrid AWD | 2,102 |
| XLE Premium 2WD | 2,108 |
| SE Hybrid AWD | 2,138 |
| Woodland Edition Hybrid AWD | 2,144 |
| XLE Premium AWD | 2,152 |
| Adventure AWD | 2,164 |
| XLE Premium Hybrid AWD | 2,190 |
| Limited 2WD | 2,224 |
| XSE Hybrid AWD | 2,224 |
| Limited AWD | 2,260 |
| TRD Off-Road AWD | 2,260 |
| Limited Hybrid AWD | 2,288 |
| Prime SE AWD | 2,354 |
| Prime XSE AWD | 2,424 |
| 2023 Toyota RAV4 Average Rate | $2,162 |
2023 Toyota Highlander
$2,340
| 2023 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $2,050 |
| L AWD | 2,104 |
| LE 2WD | 2,126 |
| LE AWD | 2,172 |
| XLE 2WD | 2,204 |
| XLE AWD | 2,244 |
| XSE 2WD | 2,244 |
| XSE AWD | 2,286 |
| Bronze Edition 2WD | 2,292 |
| Limited 2WD | 2,300 |
| Bronze Edition AWD | 2,324 |
| Limited AWD | 2,338 |
| Platinum 2WD | 2,356 |
| Hybrid LE 2WD | 2,378 |
| Platinum AWD | 2,392 |
| Hybrid LE AWD | 2,418 |
| Hybrid XLE 2WD | 2,454 |
| Hybrid XLE AWD | 2,486 |
| Hybrid Limited 2WD | 2,550 |
| Hybrid Limited AWD | 2,580 |
| Hybrid Platinum 2WD | 2,604 |
| Hybrid Platinum AWD | 2,628 |
| 2023 Toyota Highlander Average Rate | $2,340 |
2022 Toyota RAV4 vs. Toyota Highlander
Average car insurance rates for a 2022 Toyota RAV4 are $2,066 per year, whereas insurance for a Toyota Highlander costs an average of $2,204 per year, making the Toyota RAV4 the better deal by $138 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 $1,912 per year for the LE 2WD model up to the most expensive rate of $2,234 for the Prime XSE AWD model. For a 2022 Toyota Highlander, rates can range from $1,932 per year for the L 2WD model up to $2,480 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 $1,912 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,480 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 $159 to $207 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.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| RAV4 LE 2WD | $1,912 | $159 |
| Highlander L 2WD | $1,932 | $161 |
| RAV4 LE AWD | $1,952 | $163 |
| RAV4 XLE 2WD | $1,956 | $163 |
| Highlander L AWD | $1,984 | $165 |
| RAV4 LE Hybrid AWD | $1,986 | $166 |
| RAV4 XLE AWD | $1,992 | $166 |
| Highlander LE 2WD | $1,998 | $167 |
| RAV4 XLE Hybrid AWD | $2,024 | $169 |
| RAV4 XLE Premium 2WD | $2,036 | $170 |
| Highlander LE AWD | $2,038 | $170 |
| RAV4 SE Hybrid AWD | $2,044 | $170 |
| RAV4 XLE Premium AWD | $2,062 | $172 |
| RAV4 Adventure AWD | $2,070 | $173 |
| Highlander XLE 2WD | $2,074 | $173 |
| RAV4 XLE Premium Hybrid AWD | $2,084 | $174 |
| Highlander XLE AWD | $2,108 | $176 |
| Highlander XSE 2WD | $2,108 | $176 |
| RAV4 XSE Hybrid AWD | $2,116 | $176 |
| RAV4 Limited 2WD | $2,122 | $177 |
| RAV4 Limited AWD | $2,138 | $178 |
| RAV4 TRD Off-Road AWD | $2,142 | $179 |
| Highlander Bronze Edition 2WD | $2,146 | $179 |
| Highlander XSE AWD | $2,150 | $179 |
| RAV4 Limited Hybrid AWD | $2,154 | $180 |
| Highlander Limited 2WD | $2,158 | $180 |
| Highlander Bronze Edition AWD | $2,178 | $182 |
| RAV4 Prime SE AWD | $2,190 | $183 |
| Highlander Limited AWD | $2,196 | $183 |
| Highlander Platinum 2WD | $2,212 | $184 |
| RAV4 Prime XSE AWD | $2,234 | $186 |
| Highlander Platinum AWD | $2,242 | $187 |
| Highlander Hybrid LE 2WD | $2,248 | $187 |
| Highlander Hybrid LE AWD | $2,286 | $191 |
| Highlander Hybrid XLE 2WD | $2,320 | $193 |
| Highlander Hybrid XLE AWD | $2,352 | $196 |
| Highlander Hybrid Limited 2WD | $2,396 | $200 |
| Highlander Hybrid Limited AWD | $2,430 | $203 |
| Highlander Hybrid Platinum 2WD | $2,454 | $205 |
| Highlander Hybrid Platinum AWD | $2,480 | $207 |
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 October 24, 2025
The chart below compares average Toyota RAV4 insurance cost to Toyota Highlander insurance cost for the 2022 model year and different driver ages.
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 $2,066 and the 2022 Toyota Highlander is $2,204, making the Toyota RAV4 cheaper by $138 per year.
2022 Toyota RAV4
$2,066
| 2022 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,912 |
| LE AWD | 1,952 |
| XLE 2WD | 1,956 |
| LE Hybrid AWD | 1,986 |
| XLE AWD | 1,992 |
| XLE Hybrid AWD | 2,024 |
| XLE Premium 2WD | 2,036 |
| SE Hybrid AWD | 2,044 |
| XLE Premium AWD | 2,062 |
| Adventure AWD | 2,070 |
| XLE Premium Hybrid AWD | 2,084 |
| XSE Hybrid AWD | 2,116 |
| Limited 2WD | 2,122 |
| Limited AWD | 2,138 |
| TRD Off-Road AWD | 2,142 |
| Limited Hybrid AWD | 2,154 |
| Prime SE AWD | 2,190 |
| Prime XSE AWD | 2,234 |
| 2022 Toyota RAV4 Average Rate | $2,066 |
2022 Toyota Highlander
$2,204
| 2022 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,932 |
| L AWD | 1,984 |
| LE 2WD | 1,998 |
| LE AWD | 2,038 |
| XLE 2WD | 2,074 |
| XLE AWD | 2,108 |
| XSE 2WD | 2,108 |
| Bronze Edition 2WD | 2,146 |
| XSE AWD | 2,150 |
| Limited 2WD | 2,158 |
| Bronze Edition AWD | 2,178 |
| Limited AWD | 2,196 |
| Platinum 2WD | 2,212 |
| Platinum AWD | 2,242 |
| Hybrid LE 2WD | 2,248 |
| Hybrid LE AWD | 2,286 |
| Hybrid XLE 2WD | 2,320 |
| Hybrid XLE AWD | 2,352 |
| Hybrid Limited 2WD | 2,396 |
| Hybrid Limited AWD | 2,430 |
| Hybrid Platinum 2WD | 2,454 |
| Hybrid Platinum AWD | 2,480 |
| 2022 Toyota Highlander Average Rate | $2,204 |
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 $186 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 $1,838 to $4,168 per year. A 2021 Toyota Highlander costs from $1,998 to $4,598 to insure per year.
Out of 12 Toyota RAV4 trim levels, the cheapest 2021 trim to insure is the LE 2WD model at an average cost of $1,890 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 $1,982 per year, or $165 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 $1,890 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $2,598 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
$2,068
| 2021 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,890 |
| LE 4WD | 1,956 |
| XLE Premium 2WD | 1,956 |
| XLE 2WD | 2,024 |
| XLE 4WD | 2,024 |
| Hybrid XLE AWD | 2,070 |
| XLE Premium 4WD | 2,090 |
| Hybrid LE AWD | 2,136 |
| Adventure 4WD | 2,154 |
| Limited 2WD | 2,154 |
| Limited 4WD | 2,154 |
| Hybrid XSE AWD | 2,200 |
| 2021 Toyota RAV4 Average Rate | $2,068 |
2021 Toyota Highlander
$2,254
| 2021 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,982 |
| L 4WD | 2,048 |
| LE 2WD | 2,048 |
| LE 4WD | 2,048 |
| XLE 2WD | 2,048 |
| Limited 2WD | 2,114 |
| XLE 4WD | 2,114 |
| Limited 4WD | 2,178 |
| Platinum 2WD | 2,178 |
| Platinum 4WD | 2,178 |
| Hybrid LE 2WD | 2,376 |
| Hybrid LE 4WD | 2,376 |
| Hybrid XLE 4WD | 2,440 |
| Hybrid Limited 2WD | 2,554 |
| Hybrid Limited 4WD | 2,554 |
| Hybrid Platinum 2WD | 2,554 |
| Hybrid Platinum 4WD | 2,598 |
| 2021 Toyota Highlander Average Rate | $2,254 |
2020 Toyota RAV4 vs Highlander
For 2020 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 is cheaper to insure by an average of $184 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 $1,786 to $4,050 per year for the age groups used in the chart. A 2020 Toyota Highlander costs from $1,944 to $4,472 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 about $153 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 $1,928 per year, or $161 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 $1,840 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,526 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
$2,008
| 2020 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,840 |
| LE 4WD | 1,902 |
| XLE Premium 2WD | 1,902 |
| XLE 2WD | 1,966 |
| XLE 4WD | 1,966 |
| Hybrid XLE AWD | 2,010 |
| XLE Premium 4WD | 2,030 |
| Hybrid LE AWD | 2,074 |
| Adventure 4WD | 2,092 |
| Limited 2WD | 2,092 |
| Limited 4WD | 2,092 |
| Hybrid XSE AWD | 2,136 |
| 2020 Toyota RAV4 Average Rate | $2,008 |
2020 Toyota Highlander
$2,192
| 2020 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,928 |
| L 4WD | 1,990 |
| LE 2WD | 1,990 |
| LE 4WD | 1,990 |
| XLE 2WD | 1,990 |
| Limited 2WD | 2,052 |
| XLE 4WD | 2,052 |
| Limited 4WD | 2,118 |
| Platinum 2WD | 2,118 |
| Platinum 4WD | 2,118 |
| Hybrid LE 2WD | 2,312 |
| Hybrid LE 4WD | 2,312 |
| Hybrid XLE 4WD | 2,376 |
| Hybrid Limited 2WD | 2,482 |
| Hybrid Limited 4WD | 2,482 |
| Hybrid Platinum 2WD | 2,482 |
| Hybrid Platinum 4WD | 2,526 |
| 2020 Toyota Highlander Average Rate | $2,192 |
2019 Toyota RAV4 vs Highlander
For 2019 Toyota RAV4 and Toyota Highlander models, the Toyota RAV4 is cheaper to insure by an average of $176 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 $1,678 to $3,790 per year for these driver ages. A 2019 Toyota Highlander costs from $1,828 to $4,208 to insure per year.
The 2019 Toyota RAV4 has 13 trims available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,742 per year, or around $145 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 $1,854 per year, or $155 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 $1,742 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD at an average of $2,262 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
$1,886
| 2019 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,742 |
| Hybrid LE AWD | 1,796 |
| LE 4WD | 1,804 |
| XLE 2WD | 1,804 |
| Hybrid XLE AWD | 1,846 |
| XLE 4WD | 1,864 |
| XLE Premium 2WD | 1,864 |
| Adventure 4WD | 1,926 |
| XLE Premium 4WD | 1,926 |
| Hybrid Limited AWD | 1,968 |
| Hybrid XSE AWD | 1,978 |
| Limited 2WD | 1,986 |
| Limited 4WD | 1,986 |
| 2019 Toyota RAV4 Average Rate | $1,886 |
2019 Toyota Highlander
$2,062
| 2019 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,854 |
| LE 4WD | 1,914 |
| LE Plus 2WD | 1,976 |
| LE Plus 4WD | 1,976 |
| XLE 2WD | 1,976 |
| Limited 2WD | 2,036 |
| Limited 4WD | 2,036 |
| SE 2WD | 2,036 |
| SE 4WD | 2,036 |
| XLE 4WD | 2,036 |
| Limited Platinum 2WD | 2,098 |
| Limited Platinum 4WD | 2,098 |
| Hybrid 4WD | 2,140 |
| Hybrid LE 4WD | 2,140 |
| Hybrid XLE 4WD | 2,202 |
| Hybrid Limited 4WD | 2,262 |
| Hybrid Limited Platinum 4WD | 2,262 |
| 2019 Toyota Highlander Average Rate | $2,062 |
Be sure to see our comprehensive 2019 Toyota Highlander insurance cost article.
2018 Toyota RAV4 vs Highlander
When comparing insurance cost for 2018 models, a Toyota RAV4 costs an average of $1,794 per year to insure and a Toyota Highlander costs $1,970, making the Toyota RAV4 cheaper to insure by $176 per year.
The chart below displays the average cost to insure both models for a range of driver ages. Average insurance cost ranges from $1,598 to $3,604 per year for a 2018 Toyota RAV4, and $1,750 to $4,014 for a 2018 Toyota Highlander.
Out of 16 trims for the 2018 Toyota RAV4, the cheapest rates are on the LE 2WD trim at a cost of $1,676 per year, or around $140 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 $1,772 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 $1,676 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD at an average of $2,184 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
$1,794
| 2018 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,676 |
| LE 4WD | 1,676 |
| XLE 2WD | 1,676 |
| Hybrid LE AWD | 1,722 |
| Adventure 2WD | 1,732 |
| XLE 4WD | 1,732 |
| Hybrid XLE AWD | 1,766 |
| Adventure 4WD | 1,790 |
| SE 2WD | 1,790 |
| Hybrid SE AWD | 1,836 |
| Limited 2WD | 1,846 |
| Limited 4WD | 1,846 |
| SE 4WD | 1,846 |
| Hybrid Limited AWD | 1,880 |
| Platinum 2WD | 1,904 |
| Platinum 4WD | 1,962 |
| 2018 Toyota RAV4 Average Rate | $1,794 |
2018 Toyota Highlander
$1,970
| 2018 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,772 |
| LE 4WD | 1,828 |
| Plus 2WD | 1,828 |
| Plus 4WD | 1,886 |
| XLE 2WD | 1,886 |
| Limited 4WD | 1,942 |
| SE 4WD | 1,942 |
| XLE 4WD | 1,942 |
| SE 2WD | 1,970 |
| Limited Platinum 4WD | 2,000 |
| Limited 2WD | 2,026 |
| Limited Platinum 2WD | 2,026 |
| Hybrid LE 4WD | 2,046 |
| Hybrid XLE 4WD | 2,104 |
| Hybrid 4WD | 2,168 |
| Hybrid Limited 4WD | 2,184 |
| 2018 Toyota Highlander Average Rate | $1,970 |
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 $124 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 $1,568 to $3,524 per year for the included driver ages. A 2017 Toyota Highlander costs from $1,670 to $3,820 to insure per year.
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 $1,618 per year, or $135 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 $1,704.
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 $1,618 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,076 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
$1,754
| 2017 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,618 |
| LE 4WD | 1,672 |
| XLE 2WD | 1,672 |
| Hybrid XLE AWD | 1,700 |
| SE 2WD | 1,728 |
| XLE 4WD | 1,728 |
| Limited 2WD | 1,782 |
| SE 4WD | 1,782 |
| Hybrid Limited AWD | 1,808 |
| Limited 4WD | 1,834 |
| Platinum 2WD | 1,834 |
| Platinum AWD 4WD | 1,888 |
| 2017 Toyota RAV4 Average Rate | $1,754 |
2017 Toyota Highlander
$1,878
| 2017 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,704 |
| LE 4WD | 1,758 |
| Plus 2WD | 1,758 |
| Plus 4WD | 1,814 |
| XLE 2WD | 1,814 |
| XLE 4WD | 1,814 |
| Limited 2WD | 1,866 |
| Limited 4WD | 1,866 |
| Platinum 2WD | 1,866 |
| Platinum 4WD | 1,920 |
| Hybrid LE 4WD | 1,968 |
| Hybrid Limited 4WD | 2,022 |
| Hybrid XLE 4WD | 2,022 |
| Hybrid Platinum 4WD | 2,076 |
| 2017 Toyota Highlander Average Rate | $1,878 |
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 $214 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 $1,464 to $3,274 per year for a 2016 Toyota RAV4, and $1,650 to $3,748 for a 2016 Toyota Highlander for the included age groups.
Out of 10 Toyota RAV4 trims, the cheapest 2016 trim to insure is the LE 2WD model at an average cost of $1,540 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 $1,674.
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 $1,540 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $2,078 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
$1,634
| 2016 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,540 |
| LE 4WD | 1,540 |
| XLE 2WD | 1,590 |
| XLE 4WD | 1,590 |
| SE 2WD | 1,638 |
| Hybrid XLE AWD | 1,640 |
| Limited 2WD | 1,688 |
| Limited 4WD | 1,688 |
| SE 4WD | 1,688 |
| Hybrid Limited AWD | 1,740 |
| 2016 Toyota RAV4 Average Rate | $1,634 |
2016 Toyota Highlander
$1,848
| 2016 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,674 |
| LE 4WD | 1,724 |
| Plus 2WD | 1,774 |
| Plus 4WD | 1,774 |
| XLE 2WD | 1,824 |
| XLE 4WD | 1,824 |
| Limited 2WD | 1,872 |
| Limited 4WD | 1,872 |
| Platinum 2WD | 1,872 |
| Platinum 4WD | 1,872 |
| Hybrid Limited 4WD | 2,028 |
| Hybrid Platinum 4WD | 2,078 |
| 2016 Toyota Highlander Average Rate | $1,848 |
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 $160 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 $1,350 to $3,002 per year for the included age groups. A 2015 Toyota Highlander costs from $1,482 to $3,356 to insure per year.
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 $1,426 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 $1,496 per year, or about $125 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 $1,426 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $1,916 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
$1,500
| 2015 Toyota RAV4 Trims | Rate |
|---|---|
| LE 2WD | $1,426 |
| LE 4WD | 1,472 |
| XLE 2WD | 1,472 |
| XLE 4WD | 1,516 |
| Limited 2WD | 1,558 |
| Limited 4WD | 1,558 |
| 2015 Toyota RAV4 Average Rate | $1,500 |
2015 Toyota Highlander
$1,660
| 2015 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $1,496 |
| LE 4WD | 1,540 |
| Plus 2WD | 1,540 |
| Plus 4WD | 1,588 |
| Limited 2WD | 1,632 |
| XLE 2WD | 1,632 |
| XLE 4WD | 1,632 |
| Limited 4WD | 1,680 |
| Platinum 2WD | 1,680 |
| Platinum 4WD | 1,680 |
| Hybrid Limited 4WD | 1,916 |
| Hybrid Platinum 4WD | 1,916 |
| 2015 Toyota Highlander Average Rate | $1,660 |