Are you considering insuring your Toyota RAV4 in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Toyota RAV4 can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Toyota RAV4 costs around $2,115 annually, but the rates can vary significantly compared to older models. For instance, a 2021 RAV4 might cost slightly less, around $2,025 per year, while insuring a 2018 model could be even more budget-friendly at $1,830 annually.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota RAV4.
What is the cost to insure your Toyota RAV4 in 2025?
On average, insuring a Toyota RAV4 costs $174 per month – or $2,085 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota RAV4
State Farm provides the most affordable car insurance for your Toyota RAV4, with an average annual rate of $1,671, or $139 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Toyota RAV4.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $1,671 | $836 | $139 |
| Geico | $1,739 | $869 | $145 |
| Nationwide | $1,798 | $899 | $150 |
| Progressive | $1,960 | $980 | $163 |
| Farmers | $2,671 | $1,336 | $223 |
| Allstate | $2,780 | $1,390 | $232 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota RAV4 car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Toyota RAV4 generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the Toyota RAV4, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,644 | $822 | $137 |
| 2015 | $1,669 | $835 | $139 |
| 2016 | $1,742 | $871 | $145 |
| 2017 | $1,760 | $880 | $147 |
| 2018 | $1,830 | $915 | $153 |
| 2019 | $1,854 | $927 | $154 |
| 2020 | $1,913 | $956 | $159 |
| 2021 | $2,025 | $1,013 | $169 |
| 2022 | $2,063 | $1,032 | $172 |
| 2023 | $2,115 | $1,057 | $176 |
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Toyota RAV4 car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Toyota RAV4. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the RAV4 TRD Off-Road, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Toyota RAV4.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| RAV4 LE | $2,037 | $1,019 | $170 |
| RAV4 Adventure | $2,067 | $1,033 | $172 |
| RAV4 XLE | $2,090 | $1,045 | $174 |
| RAV4 XLE Premium | $2,099 | $1,050 | $175 |
| RAV4 Limited | $2,127 | $1,063 | $177 |
| RAV4 TRD Off-Road | $2,173 | $1,087 | $181 |
Toyota RAV4 insurance rates: State-by-state breakdown
The cost of insuring a Toyota RAV4 vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Toyota RAV4 by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,989 | $995 | $166 |
| Alabama | $2,006 | $1,003 | $167 |
| Arkansas | $2,178 | $1,089 | $181 |
| Arizona | $2,035 | $1,018 | $170 |
| California | $2,590 | $1,295 | $216 |
| Colorado | $2,690 | $1,345 | $224 |
| Connecticut | $2,157 | $1,078 | $180 |
| Washington, D.C. | $2,472 | $1,236 | $206 |
| Delaware | $2,105 | $1,053 | $175 |
| Florida | $2,705 | $1,352 | $225 |
| Georgia | $2,573 | $1,286 | $214 |
| Hawaii | $1,364 | $682 | $114 |
| Iowa | $1,672 | $836 | $139 |
| Idaho | $1,390 | $695 | $116 |
| Illinois | $2,029 | $1,014 | $169 |
| Indiana | $1,891 | $945 | $158 |
| Kansas | $2,118 | $1,059 | $177 |
| Kentucky | $2,561 | $1,280 | $213 |
| Louisiana | $3,400 | $1,700 | $283 |
| Massachusetts | $1,776 | $888 | $148 |
| Maryland | $1,921 | $961 | $160 |
| Maine | $1,504 | $752 | $125 |
| Michigan | $2,803 | $1,402 | $234 |
| Minnesota | $2,279 | $1,139 | $190 |
| Missouri | $2,388 | $1,194 | $199 |
| Mississippi | $2,215 | $1,108 | $185 |
| Montana | $2,179 | $1,089 | $182 |
| North Carolina | $1,668 | $834 | $139 |
| North Dakota | $1,838 | $919 | $153 |
| Nebraska | $2,161 | $1,080 | $180 |
| New Hampshire | $1,611 | $806 | $134 |
| New Jersey | $2,103 | $1,052 | $175 |
| New Mexico | $2,189 | $1,095 | $182 |
| Nevada | $2,086 | $1,043 | $174 |
| New York | $1,549 | $775 | $129 |
| Ohio | $1,522 | $761 | $127 |
| Oklahoma | $2,246 | $1,123 | $187 |
| Oregon | $2,067 | $1,034 | $172 |
| Pennsylvania | $2,192 | $1,096 | $183 |
| Rhode Island | $2,448 | $1,224 | $204 |
| South Carolina | $1,959 | $979 | $163 |
| South Dakota | $2,378 | $1,189 | $198 |
| Tennessee | $2,253 | $1,126 | $188 |
| Texas | $3,023 | $1,512 | $252 |
| Utah | $1,732 | $866 | $144 |
| Virginia | $1,558 | $779 | $130 |
| Vermont | $1,517 | $758 | $126 |
| Washington | $1,781 | $890 | $148 |
| Wisconsin | $1,554 | $777 | $129 |
| West Virginia | $1,973 | $987 | $164 |
| Wyoming | $2,009 | $1,005 | $167 |
How your age impacts Toyota RAV4 insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,671 | $3,835 | $639 |
| Adults | $2,085 | $1,043 | $174 |
The bottom line
Knowing how much it costs to insure your Toyota RAV4 is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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