RAV4 Insurance

And how to find the lowest premiums

Written by Sara East
Written by Sara East

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Toyota RAV4 insurance

Toyota has been a top-selling automobile company since 1937 and the RAV4 is continually a best-selling SUV. If you're driving around a top-rated car you'll want to have the best insurance available to protect it. The right insurance agent can help you discover the variety of options for insuring your RAV4 at an affordable price. 

Start by using our find-an-agent tool to be matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Toyota RAV4. 

What Is The Best Insurance for a Toyota RAV4?

Every state will have its own set of required insurance limits when it comes to car insurance. In addition to what's required are a variety of recommended insurance coverages based on your needs. Your insurance agent can help you determine the best insurance options for you.

Bodily injury liability

If you're in a car accident and you're at fault, you'll be responsible for any injuries the person sustains. Fortunately, bodily injury liability insurance is there to pay for any costs associated with a third-party injury from medical care costs to lost wages if the person can't immediately return to work. Most states require a minimum amount of liability coverage.  

Property damage liability

If you're in an accident with someone else's vehicle, building, or home then a property damage liability policy will help repair or replace any damaged property. Just like bodily injury liability, most states require a minimum amount of property damage liability.

When it comes to liability coverage, it's smart to purchase more than the minimum amount required by law. If you were to be in an accident and cause damage that exceeds your liability amounts you'll be responsible to pay out of pocket. Fortunately, your insurance agent can help you determine how much insurance you need.

Medical payments/Personal injury protection

In some states, you can purchase personal injury protection (PIP) or medical payments coverage which helps pay for personal medical bills that result from an accident. Not only will PIP insurance cover you, but it would also cover any injured passengers that were in your vehicle. It will cover things like ambulances, doctor visits, medication, funeral expenses, and other related costs. 

Uninsured motorist coverage

One in eight drivers does not have insurance. If you happen to get in an accident with someone who has limited or no insurance, you'll be stuck paying for any damage and bills associated with the accident yourself. Uninsured motorist coverage is there to protect you in the event that you're in an accident with someone driving without insurance. If they're at fault it'll pay for any damage to your car and medical payments for you and your passengers.

Optional coverage options to consider

Collision coverage

If you have the unfortunate event of colliding with other vehicles or objects like street posts or a parking meter, collision insurance will help you pay for repairs or replacement. Even though collision insurance is not required by states, it's definitely worth speaking to your independent insurance agent about having. 

Comprehensive coverage

Comprehensive insurance covers all events that are not covered by collision insurance. Ultimately, this includes damage to your car that results from anything other than colliding with something. However, if you were to hit an animal, that would be covered under your comprehensive insurance. 

Glass coverage

Driving with a broken windshield is dangerous and can result in being pulled over and getting a ticket. The windshield of a RAV4 can cost upwards of $400 to repair and there are nine different options depending on your RAV4 model and year. For this reason, it might be worth it to purchase glass coverage with a zero-deductible to cover any damage you might get to your windshield. 

Gap insurance

Often times an accident will result in your insurance declaring your vehicle a total loss. This means the damage incurred is so expensive that it's not worth the company spending the money to fix it because the total value of your car is not much higher than the damage. Not much is worse than having your car deemed a total loss other than still owing money on it. This "gap" between what your insurance pays you out in a total loss and what you owe on a car loan or lease can be bridged by gap insurance.


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What Factors Affect the Cost of Insurance for Your Toyota RAV4?

Annual mileage

The average person drives between 12,000-14,000 miles per year. But every person is different and some people will drive 20,000 plus miles a year and others might only drive 5,000 miles per year. That's why your annual mileage is a contributing factor to the cost of car insurance. If you drive frequently with long commutes to and from work you can expect to pay a higher insurance premium. 

Your driving history 

Insurance likes good drivers, so a clean driving record can result in lower premiums. If you have a number of violations on your driving record you'll most likely have to pay extra in your insurance premium. Most violations will fall off your record in due time and your insurance agent can help you understand when that might happen. 

The value of your vehicle

A brand new Toyota RAV4 is a rather affordable car ranging from $25,000-$37,000 depending on how many bells and whistles you want. If you're okay with the base model that only has front-wheel drive you'll be looking at spending $25,000. If you dip into wanting AWD and a slew of added features, you'll be looking closer to $37,000. As the value of your vehicle decreases, so do the average insurance premiums. As a result, insuring a vehicle that's a few years old could mean you'll pay premiums that are a bit lower. 

Model Year Average Premium
2020 $1,324
2019 $1,310
2018 $1,304
2017 $1,300

How safe is your car? 

Like most Toyota vehicles, the RAV4 has high safety ratings. The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Toyota RAV4 five-out-of-five in overall crash tests and four-out-of-five for rollover crash tests in the 2wd and 4wd models. The Insurance Institute for Highway Safety (IIHS) gave the vehicle a "good" rating across the board, which is the institute's highest designation. The safer your car, the lower your insurance premium will be and the RAV4 stands top of its class when it comes to safety.

Where you and your car live

If you live somewhere that requires a big commute or heavy traffic or in a densely populated area, you could be looking at higher insurance premiums. The busier the road is that you're driving on the greater risk of an accident and your insurance has to account for that risk. 

The location has a large impact on car insurance. For example, drivers in Phoenix may pay $728 a year less than drivers in Los Angeles.

Additional factors that affect your Toyota RAV4 insurance premiums

In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

What is the Average Cost to Insure a Toyota RAV4?

Average annual cost to insure a Toyota RAV4  $1,324
Teens $4,839
High-Risk drivers $2,820
High Deductibles $1,141
Low Deductibles $1,667

Which states are most affordable and least affordable for car insurance? 

Estimated annual Toyota RAV4 insurance premiums in the United States:

Most expensive states:
Michigan $2,302
Louisiana $1,964
Kentucky $1,808
Rhode Island $1,768
Florida $1,660
Most affordable states:
North Carolina $764
Virginia  $794
Maine $818
Idaho $894
Ohio $916

Top Insurance Carriers That Insure the Toyota RAV4

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Geico
  3. Shelter
  4. Progressive
  5. State Farm

Get a Toyota RAV4 Quote

An independent insurance agent can help you get the most affordable quote available for your Toyota RAV4. Your agent will shop quotes from top insurance companies, finding you the best rate. Your agent can help you understand how to balance premium costs and insurance levels so you get the best value for your dollar. 

Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Toyota RAV4. An independent insurance agent can shop dozens of insurance companies and help you get the right type of auto insurance.

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