How much is insurance on a Toyota RAV4?

A 2024 Toyota RAV4 runs about $1,760 a year for a typical 45-year-old, $180 less than an average 2024 car, because of cheaper repairs and slightly fewer at-fault claims.

2024 Toyota RAV4, national average

about $1,760 a year (about $145 a month)

roughly $1,300–$2,350

An average 2024 car: about $1,940. An older Toyota RAV4 costs less (below).

Priced: the 2024 RAV4 (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.

A used Toyota RAV4, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 (0–3 years old)	about $1,760	about $940	+$1,160	about $5,060
2022 (4–7 years old)	about $1,670	about $940	+$1,100	about $4,780
2018 (8–12 years old)	about $1,560	about $940	+$1,030	about $4,470
2013 (13 or more years old)	about $1,450	about $940	+$960	about $4,160

We list the Toyota RAV4 for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.

The 6 versions of the 2024 Toyota RAV4 we list (RAV4, RAV4 AWD, RAV4 AWD LE, RAV4 AWD TRD OFFROAD, RAV4 Hybrid AWD and RAV4 Hybrid AWD Woodland Edition) all come out within about $50 of each other.

The Toyota RAV4 for other drivers on their own policy, a year: 22–25, $2,290; 26–39, $1,960; 65 and older, $1,850.

Adding a 16-year-old with a Toyota RAV4

A new 16-year-old driving the Toyota RAV4 adds about $1,160 a year ($95 a month), $120 less than with an average 2024 car.

For adding a teen, the Toyota RAV4 ranks 16th cheapest of our 121 car pages.

That's the whole household's bill going up. Cheapest cars to insure for a teen.

Why the Toyota RAV4 costs what it does

Its insurance claims against an average car's (HLDI):

Repairs: much lower than average
Theft and weather: much lower than average
Damage to others: lower than average
Injuries to others: about average

The part that fixes or replaces the Toyota RAV4: about $830, against $950 for an average 2024 car (13% less). The part that pays for harm to others: about $940, against $990 for an average car (6% less).

By the EPA's size classes it's a small SUV, and it's gas-powered. The Highway Loss Data Institute groups it with small SUVs.

Matched to “Toyota RAV4 4dr” in HLDI's results.

Similar small SUVs

Among these 26 small SUVs, the Toyota RAV4 is the 4th least expensive to insure.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.