Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Toyota RAV4 is $2,110 per year or $176 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2024 Toyota RAV4 costs $2,110, whereas the 2023 Toyota RAV4 costs $2,134 annually. This is $24 more than the 2024 rates.
State Farm offers the cheapest annual rate for 2024 Toyota RAV4 at $1,680 per year.
Below, we'll look at Toyota RAV4 insurance rates and show you how to save.
Average insurance cost of Toyota RAV4 by model year
| Year of Toyota RAV4 model | Average cost to insure |
|---|---|
| 2024 | $2,110 |
| 2023 | $2,134 |
| 2022 | $2,070 |
| 2021 | $2,056 |
| 2020 | $1,931 |
Compare RAV4 insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 4WD 4 Door Utility DOHC | $2,098 |
| Nationwide | 4WD 4 Door Utility DOHC | $2,239 |
| GEICO | 4WD 4 Door Utility DOHC | $2,295 |
| Progressive | 4WD 4 Door Utility DOHC | $2,504 |
| Allstate | 4WD 4 Door Utility DOHC | $4,014 |
Toyota RAV4 insurance rates per year
2024 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 State Farm $1,680 2 GEICO $1,745 3 Nationwide $1,809 4 Progressive $1,957 5 Farmers $2,671 6 Allstate $2,795 2023 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 State Farm $1,697 2 GEICO $1,742 3 Progressive $1,925 4 Nationwide $1,962 5 Farmers $2,672 6 Allstate $2,808 2022 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,643 2 State Farm $1,648 3 Progressive $1,887 4 Nationwide $1,956 5 Farmers $2,616 6 Allstate $2,672 2021 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,630 2 State Farm $1,771 3 Progressive $1,830 4 Nationwide $1,987 5 Farmers $2,547 6 Allstate $2,573 2020 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,513 2 State Farm $1,626 3 Progressive $1,781 4 Nationwide $1,966 5 Allstate $2,344 6 Farmers $2,354 2019 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,462 2 State Farm $1,497 3 Progressive $1,735 4 Nationwide $1,985 5 Allstate $2,272 6 Farmers $2,298 2018 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,392 2 State Farm $1,588 3 Progressive $1,701 4 Nationwide $1,991 5 Allstate $2,198 6 Farmers $2,249 2017 Toyota RAV4 insurance rates
Rank Company Average annual premium 1 GEICO $1,351 2 State Farm $1,502 3 Progressive $1,670 4 Nationwide $1,850 5 Allstate $2,149 6 Farmers $2,161
Toyota insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage