Home Car insurance Insurance rates by car Average Toyota RAV4 car insurance cost for 2025 Average Toyota RAV4 car insurance cost for 2025 The average insurance cost for a Toyota RAV4 in 2025 is $2,159 per year. The Toyota RAV4 was among the 25 best-selling cars in the U.S., according to Kelley Blue Book. View Carriers Please enter valid zip Compare top carriers in your area Written by Laura Longero Laura Longero Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Data checked by Brent Buell Brent Buell Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker’s license and is a Chartered Property Casualty Underwriter (CPCU). Brent is also a father of two boys and is an avid automotive enthusiast. | Expert insight from Dr. James Brau Dr. James Brau Dr. Brau teaches finance principles, entrepreneurial finance, financial planning, and corporate finance at Brigham Young University’s School of Business. His research includes issues related to initial public offerings, financial education, real estate, and entrepreneurial finance.Go to comment | Updated on: June 26, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average insurance cost for a Toyota RAV4 in 2025 is $2,159 per year. The Toyota RAV4 was among the 25 best-selling cars in the U.S., according to Kelley Blue Book. But no matter whether you bought your Toyota RAV4 new or used, it’s a big investment – the average new car buyer in the U.S. paid $49,740 in December of 2024, according to the most recent data from Kelley Blue Book. The cost of insuring a car can vary greatly, so be mindful of how much car insurance costs if you want to stay within a monthly budget. Key Takeaways The annual average nationwide rate for a Toyota RAV4 is $2,159. State Farm offers the cheapest car insurance for a Toyota RAV4. Full coverage car insurance for a Toyota RAV4 is $504 less than the nationwide average of $2,663 per year. Updated with latest data Calculate car insurance rates by make and model Vehicle Make Select Make Vehicle Model Select Model State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming OR Vehicle Type Vehicle typesElectricHatchbackHybridLuxury CarLuxury SUVMinivanPerformance CarPerformance SUVSedanSports CarStation WagonSUVTruckVanAll Vehicles How much does it cost to insure Toyota RAV4? Full coverage car insurance for a Toyota RAV4 is $504 less than the nationwide average of $2,663 per year. Full coverage comprises liability insurance, comprehensive and collision and is much more expensive than liability coverage alone. The age of your vehicle and its make, model and trim all affect car insurance rates, in addition to personal factors about the driver(s), homeowner status and location. The table below shows annual rates for full coverage car insurance for a Toyota RAV4. Graph Table ModelAverage full coverage cost annuallyAverage full coverage cost monthlyToyota RAV4$2,085$174Toyota RAV4 Hybrid$2,189$182Powered by: Toyota-RAV4 insurance cost $174 per month $2,085 per year Car insurance cost for a Toyota RAV4 by age Cost of Toyota RAV4 insurance for 18-year-olds Insurance rates vary significantly by age. Teens pay the highest rates for car insurance because they are riskier drivers and have less experience driving. Car insurance for an 18-year-old driving a Toyota RAV4 costs $7,932 per year. The table below shows the cost of car insurance for an 18-year-old driving a Toyota RAV4. Model Average annual full coverage cost Average monthly full coverage cost Toyota RAV4 $7,671 $639 Toyota RAV4 Hybrid $8,036 $670 Powered by: Toyota RAV4 auto insurance cost, by state Car insurance rates vary significantly by state. State laws and a state’s no-fault vs. tort classification all affect how much folks pay for car insurance in a state and individual factors. Full coverage car insurance for a Toyota RAV4 costs $2,159 per year. See the annual and monthly rates by state for a Toyota RAV4 in each state in the table below. State-by-state Toyota RAV4 insurance costs Graph Table State nameAnnual premiumMonthly premiumAlaska$2,029$169Alabama$2,068$172Arkansas$2,252$188Arizona$2,108$176California$2,649$221Colorado$2,777$231Connecticut$2,237$186Washington, D.C.$2,587$216Delaware$2,159$180Florida$2,738$228Georgia$2,664$222Hawaii$1,382$115Iowa$1,755$146Idaho$1,447$121Illinois$2,103$175Indiana$1,965$164Kansas$2,212$184Kentucky$2,659$222Louisiana$3,566$297Massachusetts$1,821$152Maryland$1,984$165Maine$1,602$133Michigan$2,825$235Minnesota$2,351$196Missouri$2,499$208Mississippi$2,302$192Montana$2,272$189North Carolina$1,729$144North Dakota$1,927$161Nebraska$2,273$189New Hampshire$1,705$142New Jersey$2,139$178New Mexico$2,267$189Nevada$2,098$175New York$1,565$130Ohio$1,577$131Oklahoma$2,347$196Oregon$2,117$176Pennsylvania$2,238$186Rhode Island$2,530$211South Carolina$2,032$169South Dakota$2,527$211Tennessee$2,334$195Texas$3,151$263Utah$1,776$148Virginia$1,621$135Vermont$1,593$133Washington$1,851$154Wisconsin$1,619$135West Virginia$2,044$170Wyoming$2,077$173Powered by: Select state Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY 10 most expensive states for car insurance for a Toyota RAV4 The most expensive states for full coverage car insurance for a Toyota RAV4 are as follows: State Avg. Annual premium Avg. Monthly premium Louisiana $3,566 $297 Texas $3,151 $263 Michigan $2,825 $235 Colorado $2,777 $231 Florida $2,738 $228 Georgia $2,664 $222 Kentucky $2,659 $222 California $2,649 $221 Washington, D.C. $2,587 $216 Rhode Island $2,530 $211 Powered by: 10 cheapest states for car insurance for a Toyota RAV4 The cheapest states for full coverage car insurance for a Toyota RAV4 are as follows: State Avg. Annual premium Avg. Monthly premium Hawaii $1,382 $115 Idaho $1,447 $121 New York $1,565 $130 Ohio $1,577 $131 Vermont $1,593 $133 Maine $1,602 $133 Wisconsin $1,619 $135 Virginia $1,621 $135 New Hampshire $1,705 $142 North Carolina $1,729 $144 Powered by: Toyota RAV4 insurance cost, by city Car insurance rates for a Toyota RAV4 also vary based upon your location. In the top 10 U.S. cities (by population), rates for a Toyota RAV4 range from $2,163 in New York, New York to $3,520 in Los Angeles, California. See more rates in the top 10 cities in the table below. State City Average annual full coverage premium New York New York $2,163 California San Jose $2,342 Illinois Chicago $2,348 Arizona Phoenix $2,766 Texas San Antonio $3,142 Pennsylvania Philadelphia $3,416 Texas Houston $3,515 California Los Angeles $3,520 Powered by: Car insurance cost for a Toyota RAV4, by company Car insurance rates also vary by company – each insurer has a proprietary rating algorithm that sets rates based on risk. So, insurance for a Toyota RAV4 may be more expensive from one insurer than another, so you get quotes from several insurers before committing to a policy. “Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red convertible sports car – turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.” See insurance rates for a Toyota RAV4 from several insurers in the table below. Company-wise average rates for insuring a Toyota RAV4 Graph Table CompanyAverage annual premiumAverage 6-month premiumAverage monthly premiumState Farm$1,750$875$146GEICO$1,819$910$152Nationwide$1,873$936$156Progressive$1,973$986$164Farmers$2,783$1,392$232Allstate$2,871$1,435$239Powered by: What are the most popular vehicle models in the U.S.? This model is one of the most popular cars in 2023, according to Kelley Blue Book. Here’s a list of the top 25 best-selling vehicles of 2023: Ford F-Series Chevrolet Silverado Ram Pickup Toyota RAV4 Tesla Model Y Honda CR-V GMC Sierra Toyota Camry Nissan Rogue Jeep Grand Cherokee Toyota Tacoma Tesla Model 3 Toyota Corolla Chevrolet Equinox Hyundai Tucson Honda Civic Honda Accord Ford Explorer Toyota Highlander Subaru Outback Subaru Crosstrek Jeep Wrangler Mazda CX-5 Subaru Forester Ford Escape Car insurance averages by make and model Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure. See the average annual full coverage rates for the top 25 most popular vehicles in 2023 in the table below. Model Average annual full coverage premium Ford F-Series $2,481 Chevrolet Silverado $2,491 Ram Pickup $2,537 Toyota RAV4 $2,159 Tesla Model Y $3,529 Honda CR-V $2,037 GMC Sierra $2,590 Toyota Camry $2,400 Nissan Rogue $2,314 Jeep Grand Cherokee $2,470 Toyota Tacoma $2,345 Tesla Model 3 $3,466 Toyota Corolla $2,351 Chevrolet Equinox $2,090 Hyundai Tucson $2,130 Honda Civic $2,410 Honda Accord $2,342 Ford Explorer $2,357 Toyota Highlander $2,292 Subaru Outback $2,042 Subaru Crosstrek $2,064 Jeep Wrangler $2,193 Mazda CX-5 $2,021 Subaru Forester $2,013 Ford Escape $2,133 Powered by: Which body styles are cheaper or more expensive for car insurance? Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle. Below, see annual rates for full coverage for sedans, SUVs and trucks. Style type Average annual premium Average monthly premium Convertible $3,628 $302 Coupe $3,838 $320 Hatchback $2,661 $222 Pickup $2,669 $222 Sedan $3,222 $268 SUV $2,553 $213 Van $2,208 $184 Wagon $2,840 $237 Powered by: How does my car’s trim level affect car insurance? A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it. “Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.” Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance. See the trim levels of a Toyota RAV4 and their full coverage premiums in the table below. Trim Level Annual full coverage preimum RAV4 Adventure $2,067 RAV4 Hybrid LE $2,123 RAV4 Hybrid Limited $2,169 RAV4 Hybrid SE $2,149 RAV4 Hybrid Woodland Edition $2,199 RAV4 Hybrid XLE $2,126 RAV4 Hybrid XLE Premium $2,137 RAV4 Hybrid XSE $2,189 RAV4 LE $2,037 RAV4 Limited $2,127 RAV4 Prime SE $2,366 RAV4 Prime XSE $2,437 RAV4 TRD Off-Road $2,173 RAV4 XLE $2,090 RAV4 XLE Premium $2,099 Powered by: How to save on car insurance for a Toyota RAV4 Are you paying for more coverage than you need? Depending on your driving habits, you may not require the maximum coverage for areas such as collision or comprehensive. If you have an older car, scaling back on full coverage is an option. However, tread carefully; reducing coverage significantly could expose you to risk. Other ways to save on car insurance for a Toyota RAV4: Shop your coverage every six months or annually before your policy renews Increase your deductible if you have savings to cover it Drive safely to avoid violations Maintain a good credit score Bundle home and auto policies Toyota RAV4 discounts on car insurance Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance. In addition to vehicle discounts, drivers may qualify for the following discounts: Telematics discounts Multiple policies Loyalty Good driver/safe driver Good student Savings for driving less/low annual mileage Senior discount Educational/professional discounts Signing early/paying in full Paperless/autopay What our expert says Q: Why do car insurance rates vary by vehicle model and trim level? Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University “Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.” Resources & Methodology Sources: Kelley Blue Book. “Average New Car Price Sees Smallest Increase in a Decade.” Accessed June 2025. Kelley Blue Book. “The 25 Best-Selling Cars of 2023.” Accessed June 2025. “Used Vehicle Value Index.” Accessed June 2025. U.S. Census Bureau. “City and Town Population Totals: 2020-2022.” Accessed June 2025. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. 40-year-old male Our hypothetical driver 100/300/100 Full coverege rates 6 Major carriers in the U.S. Laura LongeroExecutive Editor | . .Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? Do you have to add a teenage driver to your car insurance policy? What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does it cost to insure Toyota RAV4?Car insurance cost for a Toyota RAV4 by ageToyota RAV4 auto insurance cost, by stateToyota RAV4 insurance cost, by cityCar insurance cost for a Toyota RAV4, by companyWhat are the most popular vehicle models in the U.S.?Car insurance averages by make and modelWhich body styles are cheaper or more expensive for car insurance?How does my car's trim level affect car insurance?How to save on car insurance for a Toyota RAV4What our expert saysResources & Methodology ZIP Code Please enter valid ZIP See rates (844) 645-3330