Toyota RAV4 Insurance Cost for 2023

How much does Toyota RAV4 insurance cost?

From the LE 2WD model to the Prime XSE AWD trim, we calculated insurance rates for the 2023 RAV4 to find out how average policy premiums ranks when compared to the rest of the compact SUV segment.

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How much does Toyota RAV4 insurance cost?

Toyota RAV4 car insurance costs on average $1,634 a year, or $136 monthly. With the average small SUV costing $1,606 a year to insure, the Toyota RAV4 would cost an extra $28 each year, depending on the trim level.

When compared to all 2023 model year vehicles (not just compact SUVs), Toyota RAV4 insurance costs 3% less than the national average car insurance rate of $1,685 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 2023 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 January 23, 2023
Toyota RAV4 Car Insurance Rates
Toyota RAV4 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,740$228
$500$3,252$271
$250$3,790$316
30$1,000$1,440$120
$500$1,726$144
$250$2,022$169
40$1,000$1,372$114
$500$1,634$136
$250$1,906$159
50$1,000$1,256$105
$500$1,490$124
$250$1,736$145
60$1,000$1,232$103
$500$1,462$122
$250$1,704$142

What is the cheapest Toyota RAV4 insurance?

The RAV4 trim level with the cheapest car insurance cost is the LE 2WD trim level at an average cost of $1,468 per year. The second cheapest RAV4 to insure is the LE AWD costing an average of $1,512 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 2023 Toyota RAV4 trim levels and packages. Generally, as the MSRP of a vehicle increases, so does the cost of insurance.

2023 Toyota RAV4 Insurance Cost by Trim Level
Toyota RAV4 Trim Level Annual Policy 6-month Policy Per Month
LE 2WD$1,468$734$122
LE AWD$1,512$756$126
XLE 2WD$1,512$756$126
LE Hybrid AWD$1,550$775$129
XLE AWD$1,556$778$130
XLE Hybrid AWD$1,588$794$132
XLE Premium 2WD$1,594$797$133
SE Hybrid AWD$1,614$807$135
Woodland Edition Hybrid AWD$1,620$810$135
XLE Premium AWD$1,626$813$136
Adventure AWD$1,638$819$137
XLE Premium Hybrid AWD$1,656$828$138
Limited 2WD$1,682$841$140
XSE Hybrid AWD$1,682$841$140
Limited AWD$1,708$854$142
TRD Off-Road AWD$1,708$854$142
Limited Hybrid AWD$1,728$864$144
Prime SE AWD$1,778$889$148
Prime XSE AWD$1,830$915$153

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 January 23, 2023
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 2023 model years. Notice the downward cost trends as both the drivers age increases and the age of the vehicle increases.

Toyota RAV4 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Toyota RAV4$3,252$1,634$1,462
2022 Toyota RAV4$3,114$1,562$1,400
2021 Toyota RAV4$3,114$1,568$1,400
2020 Toyota RAV4$3,076$1,546$1,384
2019 Toyota RAV4$2,898$1,460$1,306
2018 Toyota RAV4$2,810$1,412$1,264
2017 Toyota RAV4$2,746$1,384$1,240
2016 Toyota RAV4$2,624$1,320$1,184
2015 Toyota RAV4$2,416$1,224$1,092
2014 Toyota RAV4$2,404$1,214$1,086
2013 Toyota RAV4$2,338$1,178$1,056

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 January 23, 2023
Toyota RAV4 Insurance Cost by Model Year

Is a Toyota RAV4 expensive to insure?

At $1,634 per year, the Toyota RAV4 is one of the more expensive small SUVs to insure, ranking 29th out of 47 total comparison vehicles. It costs around $28 more per year to insure a Toyota RAV4 than the average small SUV, which costs $1,606.

When compared to all other vehicle segments, however, average insurance cost for a Toyota RAV4 fares better. You’ll save an estimated $51 a year when compared to the all-vehicle national average of $1,685.

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, Ford Escape, and Nissan Rogue. Following the chart we include a table ranking insurance cost for all 47 small SUVs for the 2023 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 January 23, 2023
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
1Chevrolet Trailblazer$1,334-$300
2Subaru Crosstrek$1,346-$288
3Nissan Kicks$1,354-$280
4Nissan Rogue Sport$1,378-$256
5Mazda CX-5$1,386-$248
6Buick Encore$1,406-$228
7Buick Envision$1,410-$224
8Kia Seltos$1,430-$204
9Hyundai Venue$1,440-$194
10Honda HR-V$1,464-$170
11Hyundai Kona$1,480-$154
12Subaru Forester$1,486-$148
13Honda CR-V$1,496-$138
14Mazda CX-30$1,498-$136
15Chevrolet Trax$1,514-$120
16Volkswagen Tiguan$1,532-$102
17Ford Bronco Sport$1,536-$98
18Fiat 500X$1,564-$70
19GMC Terrain$1,566-$68
20Kia Soul$1,568-$66
21Mitsubishi Eclipse Cross$1,572-$62
22Chevrolet Equinox$1,588-$46
23Toyota Corolla Cross$1,592-$42
24Volkswagen Taos$1,600-$34
25Mazda CX-50$1,610-$24
26Hyundai Tucson$1,614-$20
27Ford Escape$1,616-$18
28Nissan Rogue$1,622-$12
29Toyota RAV4$1,634--
30Mazda MX-30$1,636$2
31Kia Niro$1,638$4
32Mini Cooper$1,648$14
33Jeep Compass$1,652$18
34Mini Cooper Clubman$1,674$40
35Jeep Renegade$1,698$64
36Chevrolet Bolt$1,710$76
37Toyota bz4X$1,716$82
38Kia Sportage$1,760$126
39Hyundai Ioniq 5$1,764$130
40Mini Cooper Countryman$1,812$178
41Mitsubishi Mirage$1,818$184
42Mitsubishi Outlander$1,820$186
43Volkswagen ID4$1,832$198
44Kia EV6$1,870$236
45Dodge Hornet$1,872$238
46Hyundai Nexo$1,938$304
47Ford Mustang Mach-E$1,996$362

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 2023 model year RAV4 has an average sticker price of $34,189, ranging from $27,575 to $45,460, depending on the trim level.

The small SUVs that have the most similar sticker prices to the Toyota RAV4 are the Mini Cooper, Honda CR-V, Hyundai Tucson, and Dodge Hornet.

Here’s how they compare to a 2023 RAV4 by sticker price and average insurance cost.

  • Toyota RAV4 vs. Mini Cooper – Having an average sticker price of $34,408 and ranging from $28,600 to $42,650, the Mini Cooper costs $219 more than the average MSRP for the Toyota RAV4. Expect to pay around $14 more each year to insure the Mini Cooper compared to a RAV4.
  • Toyota RAV4 vs. Honda CR-V – The Honda CR-V has an average retail price of $33,963 ($28,600 to $38,600), which is $226 cheaper than the average MSRP for the Toyota RAV4. Expect to pay around $138 less annually to insure the Honda CR-V compared to a RAV4.
  • Toyota RAV4 vs. Hyundai Tucson – Having an average purchase price of $33,883 and ranging from $26,450 to $43,200, the Hyundai Tucson costs $306 less than the Toyota RAV4. Buying car insurance for the Hyundai Tucson costs an average of $20 less each year than the Toyota RAV4.
  • Toyota RAV4 vs. Dodge Hornet – The Dodge Hornet has an average MSRP of $34,636, ranging from $30,000 to $39,000, which is $447 more expensive than the MSRP for the Toyota RAV4. The cost to insure a Toyota RAV4 compared to the Dodge Hornet is $238 less per year on average.

For additional auto insurance cost comparisons for a RAV4, plus many other vehicles, visit our dedicated comparison page.

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$1,142$582
2011 Toyota RAV4$1,098$578
2010 Toyota RAV4$1,060$574
2009 Toyota RAV4$1,016$568
2008 Toyota RAV4$970$558
2007 Toyota RAV4$932$550
2006 Toyota RAV4$920$544
2005 Toyota RAV4$902$540
2004 Toyota RAV4$874$536
2003 Toyota RAV4$854$530
2002 Toyota RAV4$837$519
2001 Toyota RAV4$820$509
2000 Toyota RAV4$804$499

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 January 23, 2023
Toyota RAV4 Liability Insurance Rates

Toyota RAV4 insurance cost by state

Depending on where you live, the average cost of insurance on a RAV4 can vary from close to $1,000 a year in states like Maine and North Carolina to well over $2,000 a year in states like New Jersey, Rhode Island, and Florida.

With the national average annual cost to insure a RAV4 being $1,634, the table below shows how each state compares to the average rate.

Toyota RAV4 Average Insurance Cost by State for 2023
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,470$735$123
Alaska$1,238$619$103
Arizona$1,496$748$125
Arkansas$1,708$854$142
California$1,978$989$165
Colorado$1,752$876$146
Connecticut$1,820$910$152
Delaware$1,860$930$155
Florida$2,036$1,018$170
Georgia$1,668$834$139
Hawaii$1,114$557$93
Idaho$1,166$583$97
Illinois$1,432$716$119
Indiana$1,220$610$102
Iowa$1,092$546$91
Kansas$1,610$805$134
Kentucky$1,750$875$146
Louisiana$1,942$971$162
Maine$984$492$82
Maryland$1,518$759$127
Massachusetts$1,780$890$148
Michigan$2,232$1,116$186
Minnesota$1,400$700$117
Mississippi$1,594$797$133
Missouri$1,844$922$154
Montana$1,500$750$125
Nebraska$1,364$682$114
Nevada$1,954$977$163
New Hampshire$1,094$547$91
New Jersey$1,978$989$165
New Mexico$1,344$672$112
New York$1,894$947$158
North Carolina$1,020$510$85
North Dakota$1,352$676$113
Ohio$1,138$569$95
Oklahoma$1,804$902$150
Oregon$1,526$763$127
Pennsylvania$1,566$783$131
Rhode Island$2,026$1,013$169
South Carolina$1,370$685$114
South Dakota$1,680$840$140
Tennessee$1,554$777$130
Texas$1,516$758$126
Utah$1,428$714$119
Vermont$1,188$594$99
Virginia$1,084$542$90
Washington$1,476$738$123
West Virginia$1,456$728$121
Wisconsin$1,168$584$97
Wyoming$1,452$726$121

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 January 23, 2023
Toyota RAV4 insurance rates by U.S. state