If you are wondering how much car insurance costs for a Toyota RAV4, the simple answer is that most drivers in the United States pay between $115 and $185 per month for full coverage. That equals about $1,380 to $2,220 per year. Drivers who choose liability only coverage usually pay less, often between 60 and 90 dollars per month. Your final price depends on factors like your age, driving history, location, coverage level, and the model year of your RAV4.
The Toyota RAV4 is one of the best selling compact SUVs in the USA. Many families and daily commuters choose it because it is reliable, safe, and fuel efficient. Insurance companies also see the RAV4 as a low to medium risk vehicle. It has strong safety ratings, reasonable repair costs, and a low record of serious injury claims. These points help keep insurance prices lower than many other SUVs.
Still, not every driver pays the same amount. A driver in their thirties with a clean record may pay close to $120 per month. A younger driver or someone with an accident history may pay over $240 per month. Where you live matters as well. States with higher traffic density, weather risks, or strict insurance laws often have higher rates.
This guide explains the real cost of Toyota RAV4 insurance in the USA. You will see average prices by age, state, coverage type, and model year. You will also learn how trims, safety features, and driving habits affect your premium.
Average Cost of Toyota RAV4 Insurance in the USA
The Toyota RAV4 usually costs less to insure than midsize SUVs and luxury crossovers.
Average Monthly and Yearly Costs
| Coverage Type | Monthly Cost | Yearly Cost |
| Liability only | $60 to $90 | $720 to $1,080 |
| Full coverage | $115 to $185 | $1,380 to $2,220 |
These estimates are based on drivers with average credit and clean records.
Why Toyota RAV4 Insurance Is Often Affordable?
Insurance companies look at safety, repair cost, and claim frequency.
Reasons the RAV4 Has Reasonable Rates
- High safety scores from crash tests
- Standard driver assist features on newer models
- Reliable build with fewer major repairs
- Strong resale value and part availability
- Not classified as a high performance vehicle
Because of these factors, insurers view the RAV4 as a stable and low risk SUV.
Toyota RAV4 Insurance Cost by Age
Age strongly affects car insurance pricing.
Average Monthly Cost by Age Group
| Driver Age | Liability Only | Full Coverage |
| 16 to 19 | 150 to 220 dollars | 270 to 390 dollars |
| 20 to 24 | 100 to 145 dollars | 185 to 270 dollars |
| 25 to 34 | 70 to 100 dollars | 125 to 175 dollars |
| 35 to 54 | 60 to 85 dollars | 110 to 155 dollars |
| 55 and up | 55 to 80 dollars | 100 to 145 dollars |
Most drivers see a noticeable drop after age 25.
Toyota RAV4 Insurance Cost by State
Where you live has a strong effect on how much you pay.
Average Full Coverage Cost by State
| State | Monthly Cost | Yearly Cost |
| California | $150 dollars | 1,800 dollars |
| Texas | $145 dollars | 1,740 dollars |
| Florida | $185 dollars | 2,220 dollars |
| New York | $165 dollars | 1,980 dollars |
| Illinois | $135 dollars | 1,620 dollars |
| Ohio | $115 dollars | 1,380 dollars |
States with high traffic, weather risks, or no fault laws often cost more.
Insurance Cost by Toyota RAV4 Model Year
Newer vehicles cost more to insure because repair and replacement costs are higher.
Average Full Coverage Cost by Model Year
| Model Year | Monthly Cost |
| 2010 to 2014 | 105 to 135 dollars |
| 2015 to 2019 | 115 to 155 dollars |
| 2020 to 2024 | 135 to 185 dollars |
Older RAV4 models often qualify for liability only coverage.
Does Toyota RAV4 Trim Level Affect Insurance?
Yes. Higher trims and hybrid models can change your rate.
Common RAV4 Trims and Insurance Impact
- LE and XLE trims usually have lower premiums
- Adventure and Limited trims cost slightly more
- Hybrid trims may cost more due to battery repairs
Luxury features and advanced tech can raise repair costs.
Liability vs Full Coverage for a Toyota RAV4
Choosing the right coverage affects your cost and protection.
Liability Only Coverage
- Covers damage you cause to others
- Lowest monthly cost
- Best for older RAV4 models with low value
Full Coverage
- Includes liability, collision, and comprehensive
- Often required for loans or leases
- Covers theft, weather damage, and accidents
Most owners of newer RAV4 models choose full coverage.
How Driving Record Affects Toyota RAV4 Insurance
Your driving history directly impacts your rate.
Average Rate Increase by Violation
| Driving Issue | Rate Increase |
| Speeding ticket | 20 to 30 percent |
| At fault accident | 40 to 60 percent |
| DUI | 80 to 120 percent |
Safe drivers keep the lowest long term premiums.
Safety Features That Can Lower RAV4 Insurance
Toyota equips many RAV4 models with standard safety tech.
Insurance Friendly Safety Features
- Automatic emergency braking
- Lane departure alert
- Adaptive cruise control
- Blind spot monitoring
- Anti theft immobilizer
Cars with these features often qualify for discounts.
Best Ways to Lower Toyota RAV4 Insurance Costs
Small changes can lead to big savings.
Simple Tips That Work
- Compare quotes from multiple companies
- Increase your deductible if affordable
- Bundle auto and home insurance
- Maintain a clean driving record
- Ask about low mileage discounts
- Complete defensive driving courses
Reviewing your policy once a year helps avoid overpaying.
Is Toyota RAV4 Insurance Cheaper Than Other SUVs?
Compared to similar compact SUVs, the RAV4 is competitively priced.
Insurance Cost Comparison
| Vehicle | Avg Monthly Cost |
| Toyota RAV4 | 145 dollars |
| Honda CR V | 140 dollars |
| Mazda CX 5 | 150 dollars |
| Nissan Rogue | 155 dollars |
The RAV4 stays near the lower end of the SUV category.
Best Insurance Companies for Toyota RAV4 Owners
Most major insurers offer strong pricing for RAV4 drivers.
Common Providers to Compare
- State Farm
- GEICO
- Progressive
- Allstate
- Nationwide
Rates vary by state and driver profile, so comparison shopping matters.
Frequently Asked Questions (FAQs)
No. The Toyota RAV4 is usually cheaper to insure than many other SUVs.
Yes. Older models often cost less, especially with liability only coverage.
The RAV4 has moderate theft rates, but newer models include strong theft protection.
It can be slightly higher due to battery repair costs.
Yes. Strong safety ratings make it a popular choice for young and family drivers.
Final Thoughts
The Toyota RAV4 offers a strong balance of safety, reliability, and reasonable insurance costs. Most drivers in the USA find it affordable to insure compared to other SUVs. Your exact premium depends on personal factors, but smart coverage choices and regular quote comparisons can keep costs low. If you want to compare prices from top insurers and find the best deal for your Toyota RAV4, Alias Insurance makes the process simple and stress free.
