How much is insurance on a Toyota RAV4?

Priced for the 2024 RAV4, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the RAV4's rank is the same in every state.

Why the Toyota RAV4 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota RAV4 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 72 for crash repairs, 62 for non-crash damage, 83 for damage to others' property, and 94 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average28% better than average4th best of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average38% better than average3rd best of the 26 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage17% better than average7th best of the 26 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 6% less often than average11th best of the 24 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the RAV4 comes out about 31% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 11% better than average. We count about half, so that part is about 6% less: $940 a year vs $990.

How the math works

In EPA size classes, the RAV4 is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Toyota RAV4 is benchmarked against small SUVs.

Matched to HLDI series “Toyota RAV4 4dr” (HLDI, 2022–24 models).

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. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 RAV4 (0–3 years old)	about $1,760	about $940	+$1,160	about $5,060
2022 RAV4 (4–7 years old)	about $1,670	about $940	+$1,100	about $4,780
2018 RAV4 (8–12 years old)	about $1,480	about $840	+$980	about $4,250
2013 RAV4 2WD (13 or more years old)	about $1,510	about $960	+$990	about $4,320

Our catalog covers the Toyota RAV4 across model years 2006–2027. Full coverage on a used 2013 RAV4 (13 or more years old) runs about $1,510 a year, $260 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $960 a year. Each photo shows that year's generation of the car. Photo credits.

All 6 versions of the 2024 Toyota RAV4 in our catalog (RAV4, RAV4 AWD, RAV4 AWD LE, RAV4 AWD TRD OFFROAD, RAV4 Hybrid AWD and RAV4 Hybrid AWD Woodland Edition) price within about $50 a year of each other.

On a policy of their own with a 2024 Toyota RAV4, a 22–25-year-old pays about $2,290 a year ($530 more than a 45-year-old), a 26–39-year-old about $1,960, and a driver 65 and older about $1,850.

Adding a 16-year-old with a Toyota RAV4

Because the Toyota RAV4 starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,160 a year ($95 a month), $120 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,060 a year, about $3,900 more than sharing the family policy.

For adding a teen driver, the Toyota RAV4 ranks 16th cheapest out of all 121 models we track. Stepping down to a used 2013 RAV4 (13 or more years old) brings the teen add-on to about $990 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Toyota RAV4 is the 4th least expensive to insure. Right next to it are the Honda CR-V (about $1,740 a year) and the Toyota bZ4X (about $1,790).

• 2024 Subaru Foresterabout $1,620 ($140 less)
• 2024 Mazda CX-50about $1,690 ($70 less)
• 2024 Honda CR-Vabout $1,740 (about the same)
• 2024 Toyota RAV4about $1,760 (this car)
• 2024 Toyota bZ4Xabout $1,790 (about the same)
• 2024 Mazda CX-5about $1,790 (about the same)
• 2024 Toyota RAV4 Primeabout $1,790 (about the same)
• 2024 Hyundai Konaabout $1,800 (about the same)

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota RAV4 costs in your state

In six sample states, a 2024 Toyota RAV4 runs from about $1,200 a year in Idaho through Wyoming, Virginia, Massachusetts and Colorado to about $2,320 in New York:

• Idahoabout $1,200/yr · +$790 teen
• Wyomingabout $1,450/yr · +$960 teen
• Virginiaabout $1,520/yr · +$1,000 teen
• Massachusettsabout $1,730/yr · +$1,140 teen
• Coloradoabout $2,030/yr · +$1,340 teen
• New Yorkabout $2,320/yr · +$1,530 teen

All 50 states and DC · Updated November 5, 2026.

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

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