Toyota RAV4 Car Insurance Rates

Toyota RAV4 car insurance rates are $2,158.92 per year — or $179.91 per month on average — in 2021. However, actual costs vary according to factors such as driving history, vehicle type, and geographic location.

How to compare insurance for the Toyota RAV4

Toyota RAV4 Car Insurance Rates - Toyota Logo

Car insurance is one of those things that every driver needs but few want to purchase. Coverage may be costly; suppliers are often perplexed, and everyone claims to provide the best deal. Car insurance, on the other hand, is required in almost all states, as frightening as it may seem, and to ensure that you cover your vehicle on a continuous basis. Several points to consider while purchasing coverage include the following:

  • Price. While pricing is important, the insurance policies you evaluate must be identical. You may use the same driver and vehicle information for each quote.
  • Deductible. Since it is critical that you choose an amount that fits your budget but does not drain your bank account, the amount you deduct may have a direct impact on your monthly premium.
  • Minimum coverage. Because coverage requirements vary by state, it is essential to verify that each insurance policy satisfies the state’s minimum requirements before purchasing.
  • Additional coverage. Additional coverage options, such as pet insurance or covered vehicle insurance, should be considered. Bear in mind that these choices will almost certainly result in an increase in the cost of coverage.
  • Extras. Each insurance policy is unique, and you should understand what to pay for and what not to pay for.
  • Restrictions. Check to see if your insurance imposes any restrictions on coverage gaps or denied claims.
  • Manufacturers may take advantage of special offers or fidelity discounts. Determine if your manufacturer has insurance agreements that provide particular discounts or rewards for loyalty.
  • Warranty. Determine what is covered or extended by your manufacturer’s warranty to avoid duplication.

What factors affect car insurance rates for Toyota RAV4?

There is no one-stop shop for RAV4 insurance. Numerous variables affect the cost of car insurance, so you must shop around to determine what is best for you. The characteristics of your RAV4 may have an effect on the insurance provider when determining your rate based on your probability of filing claims.

  • Body type. The Toyota RAV4 is a compact SUV designed for everyday transportation of light freight and other low-risk drivers. You may save money on car insurance.
  • Type of car. The RAV4 is a small, economical SUV. Insurance for these types of vehicles is often not prohibitively costly.
  • Theft. The RAV4 is one of the SUVs and crossovers that may increase coverage prices due to its high theft rate.
  • Repairs. Prices for the RAV4 are low, and coverage costs may be decreased.
  • Ratings for safety. With the exception of the passenger crash test, the RAV4 has outstanding safety ratings. This may result in an increase in insurance premiums.
  • Type of fuel. Toyota’s entry-level RAV4 is a gas-powered vehicle that is less costly than the hybrid variant.
  • Trimming and packaging. Premiums may be increased if you choose trims or packages that enhance power or value. However, a reduction in vehicle insurance may be given in exchange for increased visibility and safety features.

Does the Toyota RAV4 qualify for auto insurance discounts?

The RAV4 has an impressive array of safety and driver assistance features that may be incentive-friendly.

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Toyota RAV4 safety & reliability ratings

In 1994, Toyota introduced the fifth generation of the RAV4. The small SUV’s roomy interior is well-known for its extensive list of standard amenities. In 2016, about 307,000 sales occurred in the United States alone.

SUVs are notorious for surviving collisions, and the RAV4 is no exception. Each IIHS crash test category received a 9.3/10 rating from US News and J.D. Power, the best attainable grade.

With a 4/5-star dependability rating from US News and J.D. Power, the 2018 Toyota RAV4 outperforms the competition in its class.

Toyota RAV4 maintenance

The Toyota RAV4 is a compact, affordable SUV that is ideal for family trips, road trips, and everyday commutes. This vehicle has an excellent 4/5-star reliability rating and a variety of safety features that combine to provide a pleasant and worry-free driving experience. While significant maintenance is needed to keep the service running, regular visits may help avoid long-term problems. You should be aware of the following:

  • Toyota suggests changing the oil every 5,000 miles or five months.
    Toyota RAV4 oil changes will cost between $75 and $125, although actual prices may vary.
  • The RAV4’s average repair cost surpasses $221 and is lower than the average for comparable cars.
  • For more information about the Toyota RAV4 maintenance regimen, see your owner’s handbook or contact your provider.

Is an extended warranty worth it for the Toyota RAV4?

The RAV4 comes standard with a 3-year/36,000-mile warranty, a 5-year/60,000-mile intermediate driving assurance, and a 5-year Toyota Limited corrosion warranty. Except for normal wear, the basic warranty covers all components, including oil and air filters, tires, and so on. ToyotaCare also covers new Toyota cars for two years or 25,000 miles, including routine maintenance and 24/7 roadside assistance.

Toyota is unaware of whether extended warranties are available, however your dealer should be able to supply you with more information. Having said that, Toyota vehicles are very dependable and cheap, so you must determine if the expenses of the extended warranty outweigh the benefits.

Bottom line

The RAV4 is a popular small SUV crossover that was introduced in 1994 for commuting, travel, and other day-to-day activities. As is the case with many Toyotas, the RAV4 is very dependable in its class, with reliability ratings that are significantly above those of similar cars. Its dependability is one of many factors, but it may be assessed to determine how much money you would otherwise save.

You may compare and check out our review of Honda CR-V Car Insurance Rates.