Toyota RAV4 Insurance Cost
The Toyota RAV4 is a compact suv with an average insurance cost of $1,680/yr. It carries a 5/5 NHTSA safety rating and medium theft risk. See how costs break down by year below.
Quote My RAV4$1,680/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
Medium
Theft Risk
Compact SUV
Body Type
Insurance Cost by Year — Toyota RAV4
About Toyota RAV4 Insurance
The Toyota RAV4 is a popular compact suv that averages $1,680/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the RAV4 is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.
Insurance costs vary by model year — newer RAV4s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Toyota RAV4 insurance cost?
The average insurance cost for a Toyota RAV4 is $1,680/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Toyota RAV4 expensive to insure?
Compared to the national average of about $1,770/yr, the Toyota RAV4 at $1,680/yr is below average in insurance cost. As a compact suv, it falls within the typical range for its class.
What is the Toyota RAV4's safety rating?
The Toyota RAV4 has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Toyota RAV4 a theft target?
The Toyota RAV4 has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap Toyota RAV4 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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