Toyota RAV4 insurance cost (2026)
Scout's quick take
- Average full coverage: $136/mo for a 2021 Toyota RAV4, clean record
- Liability-only averages $53/mo across recent model years
- That puts the Toyota RAV4 about $16/mo below the $152 national average for full coverage
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Cost by model year
| Model year | Full coverage / mo | Liability / mo | vs 2021 baseline |
|---|---|---|---|
| 2025 | $159 | $54 | +17% |
| 2023 | $146 | $54 | +7% |
| 2021 | $136 | $53 | baseline |
| 2019 | $128 | $53 | -6% |
| 2017 | $117 | $52 | -14% |
Estimates, not quotes: built from public 2025 to 2026 premium benchmarks and our cost model, clean-record driver profile. See our methodology.
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Toyota RAV4 vs rival vehicles
| Vehicle | Full coverage / mo | Note |
|---|---|---|
| Toyota RAV4 | $136 | The vehicle on this page |
| Honda CR-V | $134 | Marginally cheaper |
| Mazda CX-5 | $132 | Cheapest here. Good crash scores |
| Ford Escape | $138 | Higher claim severity |
Estimates, not quotes: the same clean-record driver profile priced across every vehicle, so the comparison is like for like. See our methodology.
Toyota RAV4 quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.
Compare Toyota RAV4 RatesWhat moves a Toyota RAV4 premium
- Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
- Repair and parts network: the easier a Toyota RAV4 is to fix near you, the lower the comprehensive and collision share runs
- Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
- Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge
Toyota RAV4 questions, answered
Is a Toyota RAV4 expensive to insure?
Not especially. At $136/mo for full coverage, a 2021 Toyota RAV4 runs about $16/mo below the $152 national average, so it lands on the cheaper side of the market.
Do older Toyota RAV4 model years cost less to insure?
Yes. Scout dug through the numbers: a 2017 Toyota RAV4 runs about -14% versus the 2021 baseline of $136/mo, while a 2025 runs +17%. Liability barely moves; the savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.
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We maintain the vehicle rate index and review every cost page on this site. Figures here are estimates, not quotes: see our methodology for how they are built.