Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Toyota RAV4 Hybrid insurance rates

Average insurance cost for your RAV hybrid? $166. But you can go even cheaper — see Geico’s rates.

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota RAV4 Hybrid is $165.78 — or $1,989.36 annually. However, some older models may cost less to cover than others depending on the safety features your vehicle has, and the insurer you choose. And your actual costs will depend on your driving history, annual mileage, ZIP and other specific factors.

Model YearProgressiveGeicoState FarmFarmersAverage
2016 Toyota RAV4 Hybrid$120.57$106.66$188.41$202.48$154.53
2021 Toyota RAV4 Hybrid$116.24$117.66$199.53$229.68$165.78

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
1 - 5 of 5
Name Product USFCI Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected (Main Provider) logo
Varies by provider
Depends on provider
Varies by provider
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
GoodRatesFinder
GoodRatesFinder logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
Compare Between Top Carriers And Start Saving.
Go to site
AutoQuoteCenter
AutoQuoteCenter logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
The AutoQuoteCenter platform makes sure you are presented with the top options in one place.
Go to site
GoCarQuotes
GoCarQuotes logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
A smart matching engine will sift through thousands of possible insurance policies and only present you with relevant and valid options.
Go to site
BestPolicyRate
BestPolicyRate logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
Choose the specific policy that suits you the most from a list of matching policies.
Go to site
loading

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

How to compare insurance for the Toyota RAV4 Hybrid

Whether you’re thinking about getting a new vehicle or are just looking to find the best way to protect your RAV4 hybrid, auto insurance can be a lifesaver. While shopping for insurance can be frustrating and often expensive, it can protect your vehicle in a number of scenarios.

If you’re still not convinced, coverage is mandatory in almost every state, so you’ll need to start shopping. Here’s what you should know:

  • Price. The best way to compare your options is to get quotes from multiple providers using the same personal information. This will allow you to get the best price on the coverage you need.
  • Deductible. Choosing a lower deductible may lead to higher monthly premiums, whereas opting for a higher deductible could help you save. Find a number that works for your situation.
  • Minimum coverage. Almost every state has a mandatory minimum for auto insurance coverage. Before purchasing a policy, you’ll need to make sure it meets your state’s minimums.
  • Additional coverage. If your policy doesn’t offer all of the protection you need, ask your provider what additional coverage options are available.
  • Extras. Since coverage and policy features can vary between providers, it’s important to find out what’s included with each policy before committing to anything.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Toyota RAV4 Hybrid?

There is no single best insurance company for the RAV4 Hybrid. Auto insurance rates are affected by a number of driver and vehicle-related factors, so you’ll need to compare your options to find out which company is best for your situation. Here’s how a few of the RAV4 Hybrid’s characteristics could affect your cost of insurance.

  • Body type. The RAV4 Hybrid is a four-door compact SUV that is best suited for road trips, commuting, daily driving and other low-risk activities. This could help reduce the cost of car insurance.
  • Type of car. As a compact SUV the RAv4 Hybrid provides a smooth and comfortable drive. This should make for affordable insurance premiums.
  • Theft. The RAV4 has one of the highest theft rates for SUVs and crossovers, a factor that may increase the cost of auto insurance.
  • Repairs. While the RAV4 is generally inexpensive to repair, the increased cost of repairing the hybrid engine could lead to higher insurance premiums.
  • Safety ratings. The RAV4 Hybrid has great crash test ratings in nearly every category. This may reduce the cost of coverage.
  • Fuel type. Hybrid vehicles often have higher average repair costs after accidents, and could lead to higher premiums.
  • Trim packages. Choosing trims or packages that increase power or overall value may lead to higher premiums. That said, options that improve visibility and safety may be eligible for auto insurance discounts.

    Does the Toyota RAV4 Hybrid qualify for auto insurance discounts?

    The RAV4 Hybrid comes equipped with a number of award-winning safety and driver assistance features that may be eligible for discounts.

    • Antilock brake discount
    • Antitheft discount
    • Passive restraint discount — airbags, motorized seat belts, etc.
    • Emergency roadside assistance discount

    Toyota RAV4 Hybrid safety and reliability ratings

    Like the base Toyota RAV4 model, the RAV4 Hybrid gets a 9.3/10 for safety from U.S. News and J.D. Power. It also holds the same near-perfect crash test ratings as the gasoline model.

    The RAV4 Hybrid gets a 4/5 star rating from U.S. News and J.D. Power for reliability. That said, you should keep in mind that hybrid vehicles generally cost more to repair.

    Toyota RAV4 Hybrid maintenance

    Like the gasoline-powered RAV4, the RAV4 Hybrid is considered a very reliable vehicle. It has impressive reliability ratings and a fairly low average repair cost. These, combined with increased mileage, could help to reduce ownership costs.

    With that being said, take your RAV4 Hybrid in for routine oil changes, inspections and other basic maintenance to help extend the life of your vehicle and reduce the chances of any unexpected issues. Here’s what you need to know:

    • Toyota recommends an oil change every 5,000 miles or five months, whichever comes first.
    • Oil changes for a Toyota RAV4 Hybrid should cost between $75 and $125, but your actual cost could vary.
    • The RAV4 Hybrid has an average annual repair cost of over $221, which is below average for similar vehicles.
    • Consult your owners manual or contact your dealership for more information on the Toyota RAV4’s maintenance schedule.

    How necessary is taking an extended warranty for the Toyota RAV4 Hybrid?

    The RAV4 Hybrid comes with Toyota’s standard three-year/36,000 mile limited warranty, along with a five-year/60,000-mile powertrain warranty and five-year corrosion coverage. The standard warranty covers all parts other than normal wear such as oil and air filters, tires and so on. New Toyota vehicles also come with two years or 25,000 miles of ToyotaCare, which covers scheduled maintenance and 24/7 roadside assistance.

    It’s unclear whether or not Toyota offers any extended warranty options, but ask your dealer for more information. That said, Toyota vehicles are extremely reliable and have low average repair costs, so consider whether the price of an extended warranty is worth the cost.

    About the Toyota RAV4 Hybrid

    The Toyota RAV4 Hybrid has been around since 2015. The compact SUV is known for its excellent fuel economy, large cargo space and more standard features than its competition. In 2016, there were over 45,000 sales in the United States alone.

    Compare Toyota competitors

    Find out what else Toyota has to offer or explore other vehicles from different manufacturers.

    Bottom line

    The RAV4 Hybrid is a more efficient and sustainable take on the standard RAV4. It offers the same award-winning features that earned it near-perfect crash test ratings— meaning it could be eligible for discounts. To find out what policy is best for your RAV4, you should compare your options from multiple providers.

    Peter Carleton's headshot
    Written by

    Writer

    Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

    More guides on Finder

    Ask a question

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
    Go to site