Cost of Toyota RAV4 Car Insurance (2024)
USAA, State Farm, and GEICO offer the cheapest car insurance for Toyota RAV4 drivers.
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Written byCatherine Collins
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13+ years creating insurance and personal finance content
Co-founded MillennialHomeowner.com
Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
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7+ years in business and financial services content
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Updated November 21, 2024
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Table of contents
Table of contents
The cost of insurance policies varies depending on the type of car you drive, among other things. One popular car is the Toyota RAV4, which has an average monthly cost of $96 to insure for liability-only insurance and $228 for full-coverage insurance.
The Toyota RAV4 is one of the highest-ranked compact SUVs, along with the Honda CR-V and Kia Sportage, all of which are all priced around $30,000.[1]
Quick Facts
The Toyota RAV4 is one of the nation’s most popular compact SUVs.
USAA, State Farm, and GEICO offer the cheapest car insurance for the Toyota RAV4.
Drivers should get three to five car insurance quotes to increase their chances of getting the best possible rate.
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Cost of Toyota RAV4 insurance
The cost of Toyota RAV4 insurance varies based on several factors. The national average auto insurance monthly premium for a 2023 Toyota RAV4 is $228 for full-coverage insurance, and the cheapest overall insurer is USAA.
Your auto insurance might cost more or less than the national average depending on your personal circumstances. For example, the model year, trim level, and safety features you have in your car could all affect your premium. Your location, age, driving record, and the initial cost of your car all influence your insurance premiums as well.[2]
To find the best coverage for you, search for an agent in your ZIP code. You can also use an insurance comparison website to quickly search insurance companies that offer the best rates for your specific situation.
2023 Toyota RAV4 insurance
The starting MSRP for the 2023 Toyota RAV4 is $28,275. The table below shows the average rate per month for this model from leading insurers.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $126 |
| State Farm | $139 |
| GEICO | $145 |
| Nationwide | $160 |
| Allstate | $173 |
| Progressive | $204 |
| CSAA | $211 |
| American Family | $220 |
| Liberty Mutual | $221 |
| Direct Auto | $247 |
| Travelers | $254 |
| Farmers | $296 |
| The General | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2022 Toyota RAV4 insurance
The MSRP for the 2022 Toyota RAV4 is $26,525.[3]
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $101 |
| State Farm | $111 |
| GEICO | $116 |
| Nationwide | $128 |
| Allstate | $138 |
| Progressive | $163 |
| CSAA | $169 |
| American Family | $176 |
| Liberty Mutual | $177 |
| Direct Auto | $198 |
| Travelers | $203 |
| Farmers | $236 |
| The General | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2021 Toyota RAV4 insurance
The MSRP for the 2021 Toyota RAV4 is $26,050.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| GEICO | $105 |
| Nationwide | $117 |
| Allstate | $126 |
| Progressive | $149 |
| CSAA | $154 |
| American Family | $160 |
| Liberty Mutual | $161 |
| Direct Auto | $180 |
| Travelers | $185 |
| Farmers | $215 |
| The General | $232 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2020 Toyota RAV4 insurance
The MSRP for the 2020 Toyota RAV4 was $28,525.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| GEICO | $104 |
| Nationwide | $115 |
| Allstate | $125 |
| Progressive | $147 |
| CSAA | $152 |
| American Family | $159 |
| Liberty Mutual | $160 |
| Direct Auto | $178 |
| Travelers | $183 |
| Farmers | $213 |
| The General | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2019 Toyota RAV4 insurance
The MSRP for the 2019 Toyota RAV4 was $28,170.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| GEICO | $106 |
| Nationwide | $117 |
| Allstate | $127 |
| Progressive | $150 |
| CSAA | $154 |
| American Family | $161 |
| Liberty Mutual | $162 |
| Direct Auto | $181 |
| Travelers | $186 |
| Farmers | $216 |
| The General | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2018 Toyota RAV4 insurance
The MSRP for the 2018 Toyota RAV4 was $27,464.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $85 |
| State Farm | $93 |
| GEICO | $97 |
| Nationwide | $107 |
| Allstate | $116 |
| Progressive | $137 |
| CSAA | $141 |
| American Family | $148 |
| Liberty Mutual | $148 |
| Direct Auto | $166 |
| Travelers | $170 |
| Farmers | $198 |
| The General | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2017 Toyota RAV4 insurance
The MSRP for the 2017 Toyota RAV4 was $27,129.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $81 |
| State Farm | $89 |
| GEICO | $93 |
| Nationwide | $103 |
| Allstate | $111 |
| Progressive | $131 |
| CSAA | $135 |
| American Family | $141 |
| Liberty Mutual | $142 |
| Direct Auto | $159 |
| Travelers | $163 |
| Farmers | $190 |
| The General | $205 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2016 Toyota RAV4 insurance
The MSRP for the 2016 Toyota RAV4 was $27,069.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| GEICO | $94 |
| Nationwide | $104 |
| Allstate | $112 |
| Progressive | $132 |
| CSAA | $137 |
| American Family | $143 |
| Liberty Mutual | $143 |
| Direct Auto | $160 |
| Travelers | $165 |
| Farmers | $192 |
| The General | $207 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2015 Toyota RAV4 insurance
The MSRP for the 2015 Toyota RAV4 was $26,339.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| GEICO | $91 |
| Nationwide | $101 |
| Allstate | $109 |
| Progressive | $129 |
| CSAA | $133 |
| American Family | $139 |
| Liberty Mutual | $140 |
| Direct Auto | $156 |
| Travelers | $161 |
| Farmers | $187 |
| The General | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2014 Toyota RAV4 insurance
The MSRP for the 2014 Toyota RAV4 was $25,835.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| GEICO | $96 |
| Nationwide | $106 |
| Allstate | $115 |
| Progressive | $136 |
| CSAA | $140 |
| American Family | $146 |
| Liberty Mutual | $147 |
| Direct Auto | $164 |
| Travelers | $169 |
| Farmers | $196 |
| The General | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2013 Toyota RAV4 insurance
The MSRP for the 2013 Toyota RAV4 was $25,560.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| GEICO | $86 |
| Nationwide | $95 |
| Allstate | $103 |
| Progressive | $122 |
| CSAA | $126 |
| American Family | $131 |
| Liberty Mutual | $132 |
| Direct Auto | $147 |
| Travelers | $151 |
| Farmers | $176 |
| The General | $190 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
2012 Toyota RAV4 insurance
The MSRP for the 2012 Toyota RAV4 was $25,529.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| GEICO | $91 |
| Nationwide | $101 |
| Allstate | $109 |
| Progressive | $129 |
| CSAA | $133 |
| American Family | $139 |
| Liberty Mutual | $140 |
| Direct Auto | $156 |
| Travelers | $161 |
| Farmers | $187 |
| The General | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Recent quotes for other Insurify users
Insurify’s drivers have found rates ranging from $50/mo. to $118/mo. in the last few days
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Toyota RAV4 car insurance coverages
Car insurance costs for RAV4 drivers vary based on several factors. For example, newer models of the Toyota RAV4 might have more expensive insurance coverage than older models.
Your ZIP code, driving record, age, marital status, and your credit (in some states) can also have a significant effect on your insurance quotes. While purchasing liability-only coverage is the most surefire way to keep your costs down, you may want to consider the following coverages, particularly if they aren’t required in your area.
Comprehensive coverage
Comprehensive car insurance usually has higher insurance rates than other types of insurance coverage, but that’s because it covers your vehicle in multiple situations. For example, it covers you if you get into an accident, cause property damage, or if a tree falls on your car.
Bodily injury liability coverage
Most states require this coverage, and bodily injury liability will pay for the damages you cause someone else in an accident.
Property damage liability coverage
Car accidents don’t always mean colliding with another car. It’s possible you could get into an accident and damage a light post, fence, or something else. This type of liability coverage protects you financially if you damage someone else’s property. This is wise to get even if you live in a rural area or have a good driving history.
Medical payments or personal injury protection coverage
Hospital and doctor’s visits can get expensive. This insurance helps pay for those costs in the event of an accident. It can also cover lost wages.
Collision coverage
If you hit another car or an object, this type of coverage protects you financially.
Uninsured/underinsured motorist coverage
Not all drivers carry the proper levels of insurance. If you get into an accident with a driver who doesn’t have adequate coverage, this type of insurance helps protect you financially.
Toyota RAV4 car insurance FAQs
If you still have questions surrounding the best way to insure your Toyota RAV4, the answers presented here should help.
Which company has the cheapest Toyota RAV4 insurance?
USAA offers the cheapest insurance for Toyota RAV4 drivers. However, USAA also only serves members of the military and their families. If you don’t meet this criteria, you can’t secure insurance through USAA. Fortunately, State Farm offers rates within $10 per month of USAA’s, allowing you to secure affordable coverage through them.
Are Toyota RAV4s expensive to insure?
No. Toyota RAV4s are generally seen as a very affordable vehicle to insure. This is due, in part, to the vehicle’s moderate price point and suite of safety features.
How much does it cost to insure a Toyota RAV4?
The average monthly cost of full-coverage car insurance for a Toyota RAV4 in 2023 is $228. However, the rates you pay will vary based on the model year of your RAV4 as well as your age, driving history, marital status, gender, and more.
What factors affect the cost of insurance for a Toyota RAV4?
Several factors affect the price you’ll pay to insure your RAV4, including your age, gender, credit history (in most states), driving record, ZIP code, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Kelley Blue Book. "Best Compact SUVs of 2023 & 2024."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Kelley Blue Book. "2022 Toyota RAV4."
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Catherine Collins
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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