Prachi Singh Written by Prachi Singh
Contributing Researcher

Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.


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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Toyota Rav4 is $1,913 per year or $159 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2023 Toyota Rav4 costs $1,913 per year, whereas the 2022 Toyota Rav4 costs $1,567 annually. State Farm offers the cheapest annual rate for 2023 Toyota Rav4 $1,385 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Toyota Rav4 by model year

Year of Toyota Rav4 modelAverage cost to insure
2023$1,913
2022$1,567
2021$1,505
2020$1,554
2019$1,598
Data updated in 2024
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Compare Toyota Rav4 insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
State Farm2WD 4 Door Utility$1,561
State Farm4WD 4 Door Utility$1,620
Nationwide4WD 4 Door Utility$2,366
Geico4WD 4 Door Utility$2,455
Nationwide2WD 4 Door Utility$2,473
Geico2WD 4 Door Utility$2,476
Progressive4WD 4 Door Utility$2,488
Progressive2WD 4 Door Utility$2,761
Allstate2WD 4 Door Utility$3,677
Allstate4WD 4 Door Utility$3,677
Data updated in 2024

Toyota Rav4 insurance rates per year

2023

2023 Toyota Rav4 insurance rates

Average cost to insure $1,913
Annual cheapest rate $1,385
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1State Farm$1,385
2Geico$1,515
3Nationwide$1,744
4Progressive$1,752
5Farmers$2,375
6Allstate$2,704
Data updated in 2024
2022

2022 Toyota Rav4 insurance rates

Average cost to insure $1,567
Annual cheapest rate $1,156
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$1,156
2State Farm$1,186
3Nationwide$1,428
4Progressive$1,497
5Farmers$1,908
6Allstate$2,229
Data updated in 2024
2021

2021 Toyota Rav4 insurance rates

Average cost to insure $1,505
Annual cheapest rate $1,084
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1State Farm$1,084
2Geico$1,116
3Progressive$1,140
4Nationwide$1,491
5Farmers$1,934
6Allstate$2,265
Data updated in 2024
2020

2020 Toyota Rav4 insurance rates

Average cost to insure $1,554
Annual cheapest rate $1,131
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$1,131
2State Farm$1,215
3Progressive$1,404
4Nationwide$1,736
5Farmers$1,739
6Allstate$2,099
Data updated in 2024
2019

2019 Toyota Rav4 insurance rates

Average cost to insure $1,598
Annual cheapest rate $1,044
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$1,044
2State Farm$1,285
3Progressive$1,563
4Nationwide$1,569
5Allstate$2,032
6Farmers$2,092
Data updated in 2024
2018

2018 Toyota Rav4 insurance rates

Average cost to insure $1,543
Annual cheapest rate $995
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$995
2State Farm$1,247
3Nationwide$1,523
4Progressive$1,533
5Farmers$1,975
6Allstate$1,982
Data updated in 2024
2017

2017 Toyota Rav4 insurance rates

Average cost to insure $1,534
Annual cheapest rate $994
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$994
2State Farm$1,241
3Progressive$1,518
4Nationwide$1,541
5Allstate$1,923
6Farmers$1,989
Data updated in 2024
2016

2016 Toyota Rav4 insurance rates

Average cost to insure $1,502
Annual cheapest rate $990
Available trims Adventure, Hybrid LE, Hybrid Limited, Hybrid SE, Hybrid XLE, Hybrid XLE Premium, Hybrid XSE, LE, Limited, Prime SE, Prime XSE, TRD Off-Road, XLE, XLE Premium
RankCompanyAverage annual premium
1Geico$990
2State Farm$1,202
3Progressive$1,496
4Nationwide$1,546
5Allstate$1,819
6Farmers$1,961
Data updated in 2024
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