How much is insurance on a Toyota RAV4 Prime?

Priced for the 2024 RAV4 Prime 4WD, 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 Prime's rank is the same in every state.

Why the Toyota RAV4 Prime 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 Prime plug-in hybrid 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 89 for crash repairs, 82 for non-crash damage, 86 for damage to others' property, and 75 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage11% better than average19th best of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage18% better than average17th 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 faultAverage14% better than average9th 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 costBetter than averagefiled 25% less often than average3rd 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 Prime comes out about 13% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 5% less than average: about $910 a year vs $950. On the liability side, damage to others and injury claims combine to about 20% better than average. We count about half, so that part is about 11% less: $890 a year vs $990.

How the math works

The Toyota RAV4 Prime is a plug-in hybrid (a small SUV by EPA size class) grouped by HLDI with small SUVs, combining dual-powertrain repair costs on the RAV4 Prime with its own loss history.

Matched to HLDI series “Toyota RAV4 Prime plug-in hybrid 4dr 4WD” (HLDI, 2022–24 models).

A used Toyota RAV4 Prime, 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 Prime 4WD (0–3 years old)	about $1,790	about $890	+$1,180	about $5,140
2022 RAV4 Prime 4WD (4–7 years old)	about $1,680	about $890	+$1,110	about $4,830

Our catalog covers the Toyota RAV4 Prime across model years 2021–2027. Full coverage on a used 2022 RAV4 Prime (4–7 years old) runs about $1,680 a year, $110 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $890 a year. Each photo shows that year's generation of the car. Photo credits.

For the 2024 Toyota RAV4 Prime, our catalog lists the RAV4 Prime 4WD configuration at about $1,790 a year.

On a policy of their own with a 2024 Toyota RAV4 Prime, a 22–25-year-old pays about $2,330 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,990, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Toyota RAV4 Prime

Because the Toyota RAV4 Prime starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 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 $5,140 a year, about $3,960 more than sharing the family policy.

For adding a teen driver, the Toyota RAV4 Prime ranks 26th cheapest out of all 121 models we track. Stepping down to a used 2022 RAV4 Prime (4–7 years old) brings the teen add-on to about $1,110 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 Prime is the 7th least expensive to insure. Right next to it are the Mazda CX-5 (about $1,790 a year) and the Hyundai Kona (about $1,800).

• 2024 Honda CR-Vabout $1,740 (about the same)
• 2024 Toyota RAV4about $1,760 (about the same)
• 2024 Toyota bZ4Xabout $1,790 (about the same)
• 2024 Mazda CX-5about $1,790 (about the same)
• 2024 Toyota RAV4 Primeabout $1,790 (this car)
• 2024 Hyundai Konaabout $1,800 (about the same)
• 2024 GMC Terrainabout $1,800 (about the same)
• 2024 Volkswagen Taosabout $1,810 (about the same)
• 2024 Chevrolet Equinoxabout $1,810 (about the same)

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota RAV4 Prime costs in your state

In six sample states, a 2024 Toyota RAV4 Prime runs from about $1,250 a year in Wisconsin through South Dakota, Alaska, Mississippi and Maryland to about $2,360 in New York:

• Wisconsinabout $1,250/yr · +$820 teen
• South Dakotaabout $1,440/yr · +$950 teen
• Alaskaabout $1,570/yr · +$1,040 teen
• Mississippiabout $1,740/yr · +$1,150 teen
• Marylandabout $1,990/yr · +$1,320 teen
• New Yorkabout $2,360/yr · +$1,560 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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