Toyota RAV4 Insurance Cost for 2022

How much does Toyota RAV4 insurance cost? We compared average rates from the base LE model to the Limited trim to see how prices ranked against other compact SUVs.

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How much does Toyota RAV4 insurance cost?

Toyota RAV4 car insurance costs on average $1,430 a year, or $119 monthly. With the average small SUV costing $1,416 a year to insure, the Toyota RAV4 would cost an extra $14 each year, depending on the trim level.

When compared to all 2022 model year vehicles (not just compact SUVs), Toyota RAV4 insurance costs 7.8% less than the national average car insurance rate of $1,551 per year.

The chart below demonstrates how average Toyota RAV4 car insurance rates vary based on driver age and physical damage deductibles. When buying a policy, you have a choice of how much you want to pay out-of-pocket if you file a claim which is called a deductible. A policy with high deductibles will cost less than a comparable policy with a lower deductible option.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Toyota RAV4 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota RAV4 trim levels.Data last updated on April 14, 2022
Toyota RAV4 Car Insurance Rates
Toyota RAV4 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,402$200
$500$2,844$237
$250$3,312$276
30$1,000$1,262$105
$500$1,510$126
$250$1,766$147
40$1,000$1,202$100
$500$1,430$119
$250$1,664$139
50$1,000$1,100$92
$500$1,304$109
$250$1,516$126
60$1,000$1,082$90
$500$1,280$107
$250$1,490$124

What is the cheapest Toyota RAV4 insurance?

The RAV4 trim level with the cheapest car insurance cost is for the LE 2WD trim level at an average cost of $1,322 per year. The second cheapest RAV4 to insure is the LE AWD costing an average of $1,348 per year.

As a general rule, the more a vehicle costs, the more it will cost to insure. The RAV4 is no exception, as the cheapest RAV4 car insurance is on the lower-end LE trims. Conversely, you’ll pay more each month for insurance if you opt for the higher-end Limited or Hybrid models.

The next table summarizes annual, semi-annual, and monthly average insurance rates for all the 2022 Toyota RAV4 trim levels and packages. Generally, as the MSRP of a vehicle increases, so does the cost of insurance.

2022 Toyota RAV4 Insurance Cost by Trim Level
Toyota RAV4 Trim Level Annual Policy 6-month Policy Per Month
LE 2WD$1,322$661$110
LE AWD$1,348$674$112
XLE 2WD$1,352$676$113
LE Hybrid AWD$1,372$686$114
XLE AWD$1,376$688$115
XLE Hybrid AWD$1,398$699$117
XLE Premium 2WD$1,408$704$117
SE Hybrid AWD$1,412$706$118
XLE Premium AWD$1,426$713$119
Adventure AWD$1,430$715$119
XLE Premium Hybrid AWD$1,442$721$120
XSE Hybrid AWD$1,462$731$122
Limited 2WD$1,466$733$122
Limited AWD$1,476$738$123
TRD Off-Road AWD$1,480$740$123
Limited Hybrid AWD$1,488$744$124
Prime SE AWD$1,512$756$126
Prime XSE AWD$1,544$772$129

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota RAV4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Toyota RAV4 Insurance Cost by Trim Level

Will an older RAV4 cost less to insure?

Buying an older RAV4 will definitely save some money on car insurance. With lower Actual Cash Values (essentially what the vehicle is worth), there would be a smaller claim value paid in the event of a total loss. This results in a lower physical damage coverage rate (comprehensive and collision).

The table below shows average Toyota RAV4 car insurance rates for different driver ages for the 2013 to 2022 model years. Notice the downward cost trends as both the drivers age increases and the age of the vehicle increases.

Toyota RAV4 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,844$1,510$1,430$1,304$1,280
2021$2,826$1,494$1,422$1,298$1,270
2020$2,778$1,464$1,398$1,276$1,250
2019$2,646$1,396$1,332$1,216$1,194
2018$2,566$1,350$1,292$1,180$1,156
2017$2,546$1,336$1,278$1,166$1,146
2016$2,410$1,262$1,214$1,108$1,088
2015$2,254$1,180$1,138$1,040$1,020
2014$2,226$1,164$1,122$1,026$1,006
2013$2,156$1,122$1,084$990$972

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Toyota RAV4 Insurance Cost by Model Year

Is a Toyota RAV4 expensive to insure?

At $1,430 per year, the Toyota RAV4 is one of the more expensive small SUVs to insure, ranking #27 out of 46 total comparison vehicles. It costs around $14 more per year to insure a Toyota RAV4 than the average small SUV, which costs $1,416.

When compared to all other vehicle segments, however, average insurance cost for a Toyota RAV4 fares better. You’ll save an estimated $121 a year when compared to the all-vehicle national average of $1,551.

The chart below shows how well average Toyota RAV4 car insurance rates fare against the top 10 selling small SUVs like the Honda CR-V, Jeep Wrangler, and Nissan Rogue. Following the chart we include a table ranking insurance cost for all 46 small SUVs for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Toyota RAV4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota RAV4 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Insurance Cost Comparison: Toyota RAV4 vs Top 10 Small SUVs
Toyota RAV4 Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,152-$278
2Nissan Kicks$1,180-$250
3Chevrolet Trailblazer$1,188-$242
4Subaru Crosstrek$1,216-$214
5Toyota C-HR$1,250-$180
6Buick Encore$1,252-$178
7Nissan Rogue Sport$1,262-$168
8Hyundai Venue$1,286-$144
9Buick Envision$1,288-$142
10Kia Seltos$1,290-$140
11Toyota Corolla Cross$1,298-$132
12Hyundai Kona$1,310-$120
13Subaru Forester$1,312-$118
14Volkswagen Tiguan$1,314-$116
15Honda CR-V$1,326-$104
16Mazda CX-30$1,340-$90
17Honda HR-V$1,360-$70
18Ford Ecosport$1,372-$58
19Chevrolet Trax$1,386-$44
20GMC Terrain$1,394-$36
21Mitsubishi Eclipse Cross$1,396-$34
22Hyundai Tucson$1,406-$24
23Chevrolet Bolt$1,412-$18
24Chevrolet Equinox$1,416-$14
25Volkswagen Taos$1,420-$10
26Fiat 500X$1,424-$6
27Toyota RAV4$1,430--
28Kia Soul$1,432$2
29Mazda MX-30$1,460$30
30Jeep Compass$1,468$38
31Kia Niro$1,470$40
32Nissan Rogue$1,482$52
33Ford Escape$1,490$60
34Hyundai Ioniq 5$1,502$72
35Mini Cooper Clubman$1,504$74
36Jeep Renegade$1,508$78
37Kia Sportage$1,514$84
38Ford Bronco$1,520$90
39Volkswagen ID4$1,542$112
40Mini Cooper$1,550$120
41Mini Cooper Countryman$1,572$142
42Mitsubishi Outlander$1,628$198
43Mitsubishi Mirage$1,642$212
44Ford Mustang Mach-E$1,712$282
45Hyundai Nexo$1,730$300
46Jeep Wrangler$1,732$302

By including MSRP for each model in the compact SUV segment, we can find out how insurance cost compares between the RAV4 and other similarly priced compact SUV models. A 2022 model year RAV4 has an average sticker price of $33,141, ranging from $26,525 to $43,125, depending on the trim level.

The small SUVs that have the most similar sticker prices to the Toyota RAV4 are the Mazda CX-5, GMC Terrain, Hyundai Tucson, and Mini Cooper Clubman.

Here’s how they compare to a 2022 RAV4 by sticker price and average insurance cost.

  • Toyota RAV4 vs. Mazda CX-5 – Having an average sticker price of $33,179 and ranging from $25,900 to $39,600, the Mazda CX-5 costs $38 more than the average MSRP for the Toyota RAV4. Expect to pay around $278 less each year to insure the Mazda CX-5 compared to a RAV4.
  • Toyota RAV4 vs. GMC Terrain – The GMC Terrain has an average retail price of $33,428 ($25,900 to $37,795), which is $287 more expensive than the average MSRP for the Toyota RAV4. Expect to pay around $36 less annually to insure the GMC Terrain compared to a RAV4.
  • Toyota RAV4 vs. Hyundai Tucson – Having an average purchase price of $32,600 and ranging from $25,350 to $42,550, the Hyundai Tucson costs $541 less than the Toyota RAV4. Buying car insurance for the Hyundai Tucson costs an average of $24 less each year than the Toyota RAV4.
  • Toyota RAV4 vs. Mini Cooper Clubman – The Mini Cooper Clubman has an average MSRP of $34,100, ranging from $29,900 to $39,500, which is $959 more expensive than the MSRP for the Toyota RAV4. The cost to insure a Toyota RAV4 compared to the Mini Cooper Clubman is $74 less per year on average.

How much does RAV4 liability insurance cost?

As vehicles get older and the actual cash value decreases, at some point it makes sense to stop insuring for full coverage and just insure for liability exposures. The table below compares full coverage insurance rates to liability-only rates for the Toyota RAV4 for the 2000 to 2012 model years.

Toyota RAV4 Insurance Rates for 2000 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Toyota RAV4$1,052$524
2011 Toyota RAV4$1,020$520
2010 Toyota RAV4$980$516
2009 Toyota RAV4$944$512
2008 Toyota RAV4$906$508
2007 Toyota RAV4$868$500
2006 Toyota RAV4$832$490
2005 Toyota RAV4$822$486
2004 Toyota RAV4$804$482
2003 Toyota RAV4$780$478
2002 Toyota RAV4$764$474
2001 Toyota RAV4$749$465
2000 Toyota RAV4$734$455

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Toyota RAV4 model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Toyota RAV4 Liability Insurance Rates

Can my address impact the cost of RAV4 insurance?

Depending on where you live, the average cost of insurance on a RAV4 can vary from under $1,000 a year in states like Virginia and Maine to well over $2,000 a year in states like Michigan, Louisiana, and Florida.

With the national average annual cost to insure a RAV4 being $1,430, the table below shows how each state compares to the average rate.

Toyota RAV4 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,174$587$98
Alaska$1,262$631$105
Arizona$1,282$641$107
Arkansas$1,540$770$128
California$1,648$824$137
Colorado$1,534$767$128
Connecticut$1,394$697$116
Delaware$1,462$731$122
Florida$2,102$1,051$175
Georgia$1,390$695$116
Hawaii$976$488$81
Idaho$1,134$567$95
Illinois$1,162$581$97
Indiana$1,076$538$90
Iowa$1,042$521$87
Kansas$1,448$724$121
Kentucky$1,674$837$140
Louisiana$2,084$1,042$174
Maine$994$497$83
Maryland$1,298$649$108
Massachusetts$1,180$590$98
Michigan$2,290$1,145$191
Minnesota$1,264$632$105
Mississippi$1,360$680$113
Missouri$1,524$762$127
Montana$1,400$700$117
Nebraska$1,372$686$114
Nevada$1,580$790$132
New Hampshire$868$434$72
New Jersey$1,360$680$113
New Mexico$1,154$577$96
New York$1,530$765$128
North Carolina$914$457$76
North Dakota$1,196$598$100
Ohio$836$418$70
Oklahoma$1,398$699$117
Oregon$1,206$603$101
Pennsylvania$1,210$605$101
Rhode Island$1,694$847$141
South Carolina$1,324$662$110
South Dakota$1,304$652$109
Tennessee$1,136$568$95
Texas$1,356$678$113
Utah$1,190$595$99
Vermont$954$477$80
Virginia$928$464$77
Washington$1,092$546$91
West Virginia$1,294$647$108
Wisconsin$976$488$81
Wyoming$1,322$661$110

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota RAV4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota RAV4 trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on March 24, 2022
Toyota RAV4 insurance rates by U.S. state