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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Toyota RAV4 is one of the more affordable SUVs to insure, with an average monthly premium of $139 across all policy types — lower than the national average of $152. Liability-only coverage for a RAV4 costs about $98 per month, while full coverage averages $180.
Certainly and Mile Auto offer the cheapest RAV4 insurance, with average rates of just $60 per month. But your actual premium depends on factors like your driving history, location, trim level, and coverage needs.
Below, we break down how pricing varies and the best car insurance companies for RAV4 drivers.
Newer RAV4s have higher average monthly premiums, with 2024 models costing $164 compared to $126 for 2015 models.
Rates vary significantly by state, from $68 in North Carolina to $352 in New York.
Advanced safety features standard on the RAV4 can increase premiums due to higher repair costs.
Car insurance rates largely depend on the policy type you have. Liability-only insurance policies provide state-minimum coverage. These policies cost less than full-coverage insurance — which includes liability, comprehensive, and collision insurance — but they don’t provide any protection for your vehicle.
The table below provides average monthly premiums for Toyota RAV4 liability and full-coverage policies based on Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota RAV4 | $98 | $180 | $139 |
| All vehicles | $107 | $197 | $152 |
The average monthly liability policy for a RAV4 is $98, while the average full-coverage policy costs $180. The combined monthly average for the RAV4 is $139.
But broad averages like these tell an incomplete picture. In the sections below, we’ll review how additional factors affect pricing and the cheapest car insurance companies for RAV4 insurance.
Compare quotes from the top insurers.
While Toyota RAV4 insurance costs an average of $139 per month, you still have several ways to save money on car insurance. You can start by getting quotes from multiple car insurance companies to find cheaper rates.
We’ve broken down the five cheapest companies for RAV4s in the table below.
Company | Average Monthly Premium |
|---|---|
| Certainly | $60 |
| Mile Auto | $60 |
| Just Insure | $75 |
| Root | $81 |
| HiRoad | $89 |
Certainly and Mile Auto offer the cheapest average car insurance rates for RAV4s, at just $60 per month, according to our data. But keep in mind that while the companies above are the cheapest options in general, they may not be the cheapest option for you. That’s because many factors influence your costs.
Let’s review the best car insurance options for RAV4 drivers based on different driving profiles.
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No single car insurance company works best for everyone. That’s why we’ve compiled a list highlighting the best car insurance companies for Toyota RAV4 drivers based on different needs and preferences.
We chose these companies based on their average rates, coverage options, discounts, and customer ratings.
Here are our top picks.
Compare.com Rating: 4.9 out of 5
Accident forgiveness not available
Gap insurance not available
New policies not available in Massachusetts and Rhode Island
State Farm is the largest insurance company in the country by market share, according to the National Association of Insurance Commissioners (NAIC).[3] It offers many coverage options and discounts, including the Drive Safe & Save telematics program. With a network of 19,000 local agents plus an excellent website and app, it’s no wonder the company has earned top marks for customer satisfaction.
But if you need gap insurance — which covers the difference between your car’s worth and loan principle after a total loss — you’ll need to find it elsewhere, as State Farm doesn’t offer this coverage.
Compare.com Rating: 4.7 out of 5
Many available coverages
Highly rated usage-based insurance policies
User-friendly online and mobile tools
Higher-than-average rates for high-risk drivers
Below-average J.D. Power customer satisfaction ratings in most regions
No EV discount
Nationwide has extensive coverage options, including accident forgiveness, vanishing deductibles, gap insurance, and a total loss deductible waiver. The company also provides 10 policy discounts and its On Your Side Review to answer questions, review your discounts, and verify you’re fully covered. Plus SmartMiles is the best-rated pay-per-mile program, according to J.D. Power.
Though the company has higher-than-average customer complaints and trails competitors in some regions, Nationwide customers in the Southeast and North Central regions rate the company as better than average.
Compare.com Rating: 4.9 out of 5
Cheaper-than-average car insurance rates
In-person offices across the U.S.
Highly rated by J.D. Power for claims and customer satisfaction
Diminishing deductible not available
Not available to non-military customers
No online chat
USAA provides exceptional customer service and military-oriented discounts, like those for car storage and garaging on a military installation. The company also offers financial services, additional insurance products (with bundling discounts), and membership perks, including travel discounts for cruises, rental cars, resorts, and more.
But USAA policies are available only to military service members, veterans, and their immediate family members. And while the company has an automated chatbot, you can’t speak with customer service online.
See quotes from top insurers in minutes.
The age of your car also plays a role in determining your insurance costs, as the value of your vehicle directly relates to your comprehensive and collision insurance premiums. That’s why newer cars, which are typically worth more, are usually more expensive to insure than older models.
In this table, we’ve compiled the average rates and cheapest car insurance company based on the RAV4 model year, according to Compare.com data.
RAV4 Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $164 | Mile Auto | $68 |
| 2023 | $160 | Mile Auto | $65 |
| 2022 | $155 | Mile Auto | $74 |
| 2021 | $148 | Mile Auto | $67 |
| 2020 | $146 | Certainly | $58 |
| 2019 | $148 | Mile Auto | $60 |
| 2018 | $133 | Mile Auto | $59 |
| 2017 | $138 | Certainly | $51 |
| 2016 | $134 | Certainly | $58 |
| 2015 | $126 | Mile Auto | $53 |
Next, we’ll look at how location affects car insurance rates.
Where you live plays a major role in your car insurance costs. Factors like state laws, traffic conditions, claims history, crime rates, and weather patterns all shape your premiums.[4] That’s why rates can vary widely from one ZIP code to another.
Check out the table below for average RAV4 insurance costs by state, according to data from Compare.com.
State | Average Monthly Premium |
|---|---|
| Alabama | $91 |
| Arizona | $122 |
| Arkansas | $175 |
| California | $176 |
| Colorado | $143 |
| Connecticut | $278 |
| Delaware | $170 |
| Florida | $179 |
| Georgia | $181 |
| Idaho | $92 |
| Illinois | $114 |
| Indiana | $98 |
| Iowa | $83 |
| Kansas | $112 |
| Kentucky | $179 |
| Louisiana | $165 |
| Maine | $109 |
| Maryland | $252 |
| Massachusetts | $138 |
| Michigan | $214 |
| Minnesota | $138 |
| Mississippi | $138 |
| Missouri | $134 |
| Montana | $111 |
| Nebraska | $129 |
| Nevada | $218 |
| New Hampshire | $84 |
| New Jersey | $145 |
| New Mexico | $106 |
| New York | $352 |
| North Carolina | $68 |
| North Dakota | $106 |
| Ohio | $93 |
| Oklahoma | $119 |
| Oregon | $118 |
| Pennsylvania | $119 |
| Rhode Island | $105 |
| South Carolina | $201 |
| South Dakota | $88 |
| Tennessee | $103 |
| Texas | $162 |
| Utah | $133 |
| Vermont | $99 |
| Virginia | $132 |
| Washington | $102 |
| Washington, D.C. | $208 |
| West Virginia | $106 |
| Wisconsin | $93 |
| Wyoming | $88 |
Now, let’s see how your personal factors affect what you pay for car insurance, starting with your age.
Your age is another important factor that affects car insurance rates. Young drivers usually pay more than older drivers due to their increased rate of serious car accidents.[5] On the other hand, senior drivers tend to pay the lowest costs because of their low rate of car accidents and, typically, lower annual mileage.[6]
Let’s look at which companies offer the cheapest car insurance for RAV4s.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $261 | Certainly | $112 |
| 20s | $179 | Certainly | $77 |
| 30s | $139 | Certainly | $60 |
| 40s | $127 | Certainly | $55 |
| 50s | $114 | Certainly | $49 |
| 60s | $107 | Certainly | $46 |
| 70s | $115 | Certainly | $49 |
Unsurprisingly, average rates for RAV4s are highest for teen drivers, with costs dropping dramatically after reaching 20 years old. Prices continue to drop modestly until drivers reach their 70s, which is also when fatal car accidents rise.
But one more major factor can also affect your car insurance rates: your driving record.
Your driving record also plays a significant role in determining your car insurance rates. Drivers with clean records typically pay less (and can get safe driver discounts) compared to drivers with tickets, accidents, and driving under the influence (DUI) convictions.
The table below features the average premiums for RAV4 drivers based on their driving record and the companies offering the most competitive rates for each profile, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $139 | Certainly | $60 |
| Speeding ticket | $192 | Certainly | $83 |
| At-fault accident | $201 | Certainly | $86 |
| DUI | $226 | Certainly | $98 |
Rates increase substantially after speeding tickets, at-fault accidents, and DUIs. But Certainly offers very low rates for drivers across these groups, potentially saving drivers hundreds on annual premiums.
Next, we’ll review how your vehicle’s features and options can influence your premiums.
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Your Toyota RAV4’s features and options play a role in determining your insurance rates. While some safety technologies may earn you discounts, high-end trims or specialized components could also increase your car insurance costs.
Here’s what to keep in mind.
Blind-spot monitoring: Though popular, this safety feature may influence drivers not to check blind spots manually, which could translate to higher risk and premiums.
Lane tracing assist: Advanced safety features like this can be so costly to replace that they increase collision and comprehensive costs.
Adaptive front-lighting system: Replacement OEM headlights for newer RAV4s cost more than $1,200 each, which may increase premiums.
All-wheel drive (AWD): Because of their complexity, AWD systems cost more to repair and insure than front-wheel drive.
Hybrid powertrains: The higher expense of the hybrid battery and the electric on-demand AWD can increase comprehensive and collision premiums.
Trim level: Higher trims, like the RAV4 Limited or Woodland Edition, have luxury features that can increase repair costs and lead to higher insurance rates.
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The Toyota RAV4 delivers with reliability and efficiency, but that doesn’t mean you should overpay for insurance. Here are five ways to lower your premiums while keeping great coverage:
Bundle your policies. Also called the multi-policy discount, many insurers offer discounts between 10% and 25% for bundling auto insurance with homeowners or renters insurance.
Use low-mileage or usage-based programs. If you drive less than average, consider a telematics program for lower premiums.
Join a membership or affinity group. Some insurers offer discounts for memberships to AARP, AAA, and alumni associations.
Choose a higher deductible. If possible, cover minor repairs out of pocket and raise your deductible to keep premiums low.
Shop around regularly. Rates change, and insurers assess risk differently. Comparing rates every six months helps you find the best deal for your RAV4.
Comparing quotes saves users an average of $867 per year.†
Many questions can arise when insuring a Toyota RAV4. Below are answers to the most common questions about RAV4 insurance rates.
The average cost to insure a Toyota RAV4 is $98 per month for liability-only coverage and $180 for full coverage, with an overall average of $139 per month. But your actual premium may be higher or lower depending on personal information, like your age, driving history, and location.
No. The Toyota RAV4 isn’t considered an expensive vehicle to insure. At an average of $139 per month, RAV4 insurance costs are slightly lower than the national average for all vehicles ($152 per month).
Not usually. In general, Toyota cars, SUVs, and trucks have lower-than-average premiums. Many models, including the RAV4, are known for their reliability, safety, and affordability, which helps keep insurance rates reasonable. But high-end or hybrid Toyota models may cost more to insure due to higher repair costs.
The cheapest Toyota to insure is the 4Runner, with an average monthly premium of $122, according to Compare.com data. Still, comparing quotes from different insurers is the best way to find the lowest rate for any car.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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