Toyota RAV4 Car Insurance Cost 2024

Toyota RAV4 Insurance Costs by Company

By getting car insurance quotes from several insurers, Toyota RAV4 owners can potentially save significant money each year. In our evaluation of top insurance companies, Travelers was the cheapest option for insuring a RAV4. USAA* was also a cost-competitive option.

Related: The best car insurance companies

Toyota RAV4 Insurance Costs by State

State-to-state variations in Toyota RAV4 auto insurance rates are generally influenced by factors such as past claims for the RAV4, medical expenditures, repair costs and state insurance laws. If you’re shopping for insurance for a RAV4, Louisiana ranks as the costliest, with Hawaii claiming the spot as the cheapest state.

Cost of Insurance for a Toyota RAV4 Based on Driver Age

According to a cost analysis by Forbes Advisor, the most budget-friendly age for insuring a Toyota RAV4 is 60.

Conversely, the most expensive age to insure a RAV4 is age 20.

There are several factors that go into determining your own car insurance rates. These generally include your driving record, your garaging address (where you keep the car), annual mileage, your credit-based insurance score (people with lower credit pay more), your past car insurance claims, the type of the vehicle, any recent lapse in your auto insurance and the types and amount of insurance chosen.

Related: 9 Factors That Affect Your Car Insurance Rates

How to Save Money on Toyota RAV4 Car Insurance

There are several ways you can lower car insurance costs, such as:

• Compare car insurance quotes. Auto insurance companies each have their own formula for pricing insurance for a Toyota RAV4. The best way to find an affordable rate is to compare car insurance quotes from several companies.
• Buy the right amount of car insurance. While you want to make sure you have enough insurance, you also don’t want to end up buying unnecessary insurance for a RAV4. Here’s a guide to determining how much car insurance you need.
• Maintain a good credit score. Insurers in most states can use your credit-based insurance score as a price factor. But not all insurers give credit the same weight in pricing, which is why it’s good to compare quotes.
• Raise your auto insurance deductible. Usually the higher the car insurance deductible, the less you pay in premiums. Common deductible amounts range from $250 to $2,000 and up.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.