Toyota RAV4 Insurance Cost for 2022

• Toyota RAV4 insurance cost averages $1,440 per year, or around $120 per month for full coverage.
• The 2022 Toyota RAV4 is one of the higher-priced small SUVs to insure, costing $14 more per year on average when compared to other small SUVs.
• The RAV4 ranks #27 out of 46 vehicles in the small SUV segment for insurance affordability.
• The cheapest RAV4 to insure is the LE 2WD trim level at an estimated $1,332 per year. The most expensive is the Prime XSE AWD at $1,558.

How much does Toyota RAV4 insurance cost?

Toyota RAV4 car insurance costs on average $1,440 a year, or $120 monthly. With the average small SUV costing $1,426 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 8.1% less than the national average car insurance rate of $1,567 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.

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 $1,332 per year. The second cheapest RAV4 to insure is the LE AWD costing an average of $1,360 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.

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.

Is a Toyota RAV4 expensive to insure?

At $1,440 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 $1,426.

When compared to all other vehicle segments, however, average insurance cost for a Toyota RAV4 fares better. You’ll save an estimated $127 a year when compared to the all-vehicle national average of $1,567.

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.

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 $282 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 $76 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.

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 $1,440, the table below shows how each state compares to the average rate.