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Toyota RAV4 insurance rates

Average Toyota RAV4 insurance cost? $180. At this price, look for more perks to protect your RAV.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota RAV4 is $179.91 a month — or $2,158.92 a year. However, an older model may score you lower rates. And your actual costs depend on your driving history, age, ZIP and other specific factors.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Toyota RAV4$108.41$92.64$145.55$210.85$139.36
2016 Toyota RAV4$121.57$105.09$167.72$233.80$157.05
2021 Toyota RAV4$139.75$117.66$192.93$269.28$179.91

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
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How to compare insurance for the Toyota RAV4

Auto insurance is one of those things that almost every driver needs but nobody wants to buy. Coverage can be expensive, providers often use confusing language and every one claims to have the best price.

But as overwhelming as it may be, auto insurance is mandatory in almost every state, plus it can provide peace of mind that your vehicle is always protected. Here are a few factors to consider when shopping for coverage:

  • Price. While price is an important consideration, you’ll need to make sure the policies you’re comparing offer the same coverage. Do this by using the same driver and vehicle details for each quote.
  • Deductible. Since your deductible amount can directly impact your monthly premiums, it’s important to choose an amount that fits your budget but won’t empty your wallet if you need to file a claim.
  • Minimum coverage. Coverage requirements vary by state, so it’s essential that you confirm that each policy meets your state’s minimum coverage amount before you buy.
  • Additional coverage. You may want to consider additional coverage like pet insurance or uninsured motorist coverage. Remember that these options will likely increase the cost of coverage.
  • Extras. Every policy comes with different features, so you should find out what’s included and what you’ll need to pay extra for.
  • 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?

There is no single best insurance company for the RAV4. Auto insurance rates are affected by a number of factors, so you’ll need to get multiple quotes to find out which is best for your situation. And since insurance providers calculate your premiums with respect to your risk of filing claims, your RAV4’s features can affect your insurance.

  • Body type. The Toyota RAV4 is a compact SUV that’s designed for daily driving, hauling small loads of cargo and other low-risk driving behavior. This could help you save on auto insurance.
  • Type of car. As a cheaper compact SUV, RAV4s generally cost less to insure.
  • Theft. The RAV4 is one of the most frequently stolen SUVs and crossovers, which could increase the cost of coverage.
  • Repairs. Low average repair cost for the RAV4 could help bring down the cost of coverage.
  • Safety ratings. Aside from lackluster passenger-side crash tests, the RAV4 has great safety ratings. This may make insurance cheaper.
  • Fuel type. The Toyota RAV4 runs on gas, which should make coverage cheaper than the hybrid version.
  • 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 insurance discounts.

Does the Toyota RAV4 qualify for auto insurance discounts?

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

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

Toyota RAV4 safety and reliability ratings

The Toyota RAV4 has been around since 1994 and it is currently in its fifth generation. The compact SUV is known for its spacious interior and long list of standard features. In 2016, there were over 307,000 sales in the US alone.

SUVs generally hold up well in the event of an accident, and the RAV4 is no exception. It holds a 9.3/10 rating from U.S. News and J.D. Power, along with the highest possible ratings in each IIHS crash test category.

The 2018 Toyota RAV4 gets a solid 4/5 star reliability rating from U.S. News and J.D. Power, which is better than the majority of other vehicles in its class.

Toyota RAV4 maintenance

The Toyota RAV4 is a moderately-priced compact SUV that is built for families, road trips, daily driving and other low-risk activities. Besides its impressive 4/5 star reliability rating, this vehicle comes packed with a number of safety and driver assistance features to provide an enjoyable, hassle-free driving experience.

While it requires lower maintenance to keep it running, regular service appointments can prevent long-term issues from arising. 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 should cost between $75 and $125, but your actual cost could vary.
  • The RAV4 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.

Is an extended warranty worth it for the Toyota RAV4?

The RAV4 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 you should ask your dealer for more information. That said, Toyota vehicles are extremely reliable and have low average repair costs, so decide whether the price of an extended warranty is worth the cost.

Bottom line

Introduced in 1994, the RAV4 is a popular compact SUV that is designed for commuting, errands and any other daily driving. Like most Toyotas, the RAV4 is very reliable, with ratings far above other vehicles in its class. Its reliability is one of the many factors that may reduce the cost of coverage, but you can compare your options to find out how else you could save.

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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

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