Cost of Toyota RAV4 Car Insurance (2025)
USAA, State Farm, and GEICO offer the cheapest car insurance for Toyota RAV4 drivers.
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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
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.
2022 Toyota RAV4 insurance
The MSRP for the 2022 Toyota RAV4 is $26,525.3
2021 Toyota RAV4 insurance
The MSRP for the 2021 Toyota RAV4 is $26,050.
2020 Toyota RAV4 insurance
The MSRP for the 2020 Toyota RAV4 was $28,525.
2019 Toyota RAV4 insurance
The MSRP for the 2019 Toyota RAV4 was $28,170.
2018 Toyota RAV4 insurance
The MSRP for the 2018 Toyota RAV4 was $27,464.
2017 Toyota RAV4 insurance
The MSRP for the 2017 Toyota RAV4 was $27,129.
2016 Toyota RAV4 insurance
The MSRP for the 2016 Toyota RAV4 was $27,069.
2015 Toyota RAV4 insurance
The MSRP for the 2015 Toyota RAV4 was $26,339.
2014 Toyota RAV4 insurance
The MSRP for the 2014 Toyota RAV4 was $25,835.
2013 Toyota RAV4 insurance
The MSRP for the 2013 Toyota RAV4 was $25,560.
2012 Toyota RAV4 insurance
The MSRP for the 2012 Toyota RAV4 was $25,529.
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.
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.
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