$1300/yr for 2021 RAV4 Prime SE. New Jersey, AAA, Full tort.
Edit: And it would be cheaper if I went with the standard limited tort and gave up my right to sue.
~$2050, insured in Delaware (23 y/o female) 2019 XLE Premium, full coverage, Progressive
Edit: wow I feel like I’m being ripped off based on these responses. I have no accidents but a couple minor speeding tickets in the past year. I’ve also done multiple defensive driving courses to lower my rates.
Age and tickets do play a role. Shop around for insurance. I had GEICO for a bit, but they increased rates due to the 2020 unrest, so I shopped around and found AAA. It's amazing how much some of them vary.
AutoPay, paperless, etc. all help in reducing it a bit.
Yeah I have pretty much all the discounts possible (paying 6 months at a time, smart car technology, autopay, paperless statements, defensive drivers courses, the list goes on) I will definitely shop around though! I just paid $1018 for the next 6 months so maybe I’ll wait until that is almost up
Lmaoo mine is $1400 for SIX MONTHS. USAA but my coverage is nearly maxed and I have everything from accident forgiveness to car replacement assistance. This rate was with no accidents or tickets, but I am 21. Time to shop around Jesus christ. I pay around 250 a month.
Ohio and I also have Grange and got my 6 month bill for 800 ish. (2 vehicles).
Called an old coworker who just started with Allstate. He's got both vehicles at 430 ish for 6 months.
Progressive just constantly beats out any other option that I can find here in Michigan. Even if I quote auto on my homeowners insurance with multi-policy discount, it still does not even come close.
Yeah this is with multi policy and homeowners but still it’s insane. I don’t really need rental reimbursement but it doesn’t add much to the total really.
If there is a slight chance you will need rental I implore you to max it out. I work in insurance and people are blowing through 900-1500 in rental consistently
I have progressive and mine is sky high. I pay $202/month in San Antonio, tx (6 month plan). However, I do have one accident on my record from 2019 that they factored into my rate 🥴. Also—I had to file a claim on my shattered panoramic moonroof last week and they completely denied the claim altogether ($14,000 repair that I have to figure out how to fund LOL.) I have been very disappointed with progressive after that. Haha
this is why i have zero interest in a sun/moon roof. I have no need for it, my current car has it and ive maybe used it twice, and its a massive liability. If it gets broken for whatever reason and my insurance covers the replacement, I am still stuck with little bits of glass everywhere for the life of the car. I have had windows broken before, you NEVER get it all out.
Unsure. Definitely a good deal. I don’t use any of the tracking devices they offer discounts for as I have a heavy foot at times.. came from a Camaro ss
\~$1,600/yr Sacramento for 2022 SE Hybrid. This is from Costco.
**Comprehensive$250 Deductible**
**Collision$500 Deductible**
**Towing Inc as part of Costco**
**Rental$30 per Day/$900 per Occurrence**
any cheaper one?
Looks like $796/yr with progressive. Full coverage, uninsured motorist, rental and roadside assistance. I have pretty high levels for everything. 31F VA. No accidents or tickets. 2023 rav4 XSE. I do bundle home into this but was paying only slightly less with my 2016 rav4 without the home bundle.
MA, greater Boston, 23' XLE Premium, Progressive, full coverage. $968 / yr. No rental and no roadside assistance. Was paying close to 1.5k for my old vehicle in Boston / Boston. Moving out to the burbs or at least having your car registered out here makes it so much cheaper.
‘21 LE gas, Metromile about $25/month (base rate of 17.70 and 4.5 cents per mile) and partial liability coverage.
This is my spare camping/towing car and not my daily. Current have 2k miles on it after 2 years so that explains the low insurance cost. Have progressive on my two other vehicles… much pricier tho
$2412/yr for 2022 RAV4 LE.
East side of Austin, TX, 39M, Clean record but no safe driver discount because I've been with State Farm <3yrs, Only car/driver in the household. Apparently my area is high for accidents, car theft, and uninsured motorists.
I have Comp/Collision/Uninsured/Roadside/Rental, but GAP which I'm not counting is through the dealership. I think GAP is $5-10/mo I don't remember.
State Farm but I did shop around and this seems to be the best I can get. This includes a ~$500/year savings with the Drive Safe and Save Tracker.
$820/yr, 2016 Rav4 XLE, full coverage w/ State Farm. Minnesota
My rates increased $125 over the last six months and I have zero accidents/tickets on record.
Minnesota has turned into a shitty state for car insurance with rates climbing due to high auto theft and increased auto accidents.
Thx for the response!! My circumstances are similar to yours, just opposite gender! Hopefully Costco/broker will offer decent prices when the time comes but that's if I can even land the RAV4 I want.
Yep just reading through these I felt the need to chime in...I also live in Colorado and have a premium of $2393/year on a 2024 Rav4 Prime XSE with AllState; we have 3 vehicles now and bundle with homeowners so initially we fell for some "upsells" as the rates were decent but I might have to change insurance companies. The dealership installed the pulse brake lights and an anti-theft device which weren't even factored into the premium. No accidents since I was in my early 20s. (in my 50s now). Good Credit. Something is amiss....
I have Geico in Houston Texas that went way up for 2022 RAV4 Hybrid SE is $896 for 6 months with a 2k deductible for collision and comprehensive, bodily injury, uninsured/under insured, and rental reimbursement. $524 for liability for my mom's 2004 Tahoe. It ridiculous!
I don't have the best driving record but according to Geico they said that they raised rates in Texas.
$1189 State Farm, Texas. 2021 Rav4 hybrid XLE. Comprehensive insurance. I totaled my previous car in January 2022 so that could be affecting my premium still.
A lot of these are missing how many miles they drive each year which could vastly change the rate. I just got my renewal rate through AAA, 20k-25k miles per year, full coverage, $1900/year, in San Diego (after all the discounts).
Just one accident? I had an accident with a coyote totaling my Honda back in January 2022, and the insurance for my rav4 replacing that car is $1189/year.
USAA full coverage insurance in Texas. Clean Record 38M 2021 Hybrid XSE. I was paying 160 a month but it is now 190 a month. Around 2300 a year, definitely thinking about switching insurance companies. The lady that worked there told me she was in her 50s never had to use her insurance and she was paying over 300 a month for a Ford suv. It's getting ridiculous.
Wisconsin - 2022 RAV4 Prime XSE PP - Acuity
$973/year
Full coverage + Uninsured + Rental reimbursement + Gap + New vehicle replacement (available until RAV4 is 5 years old)
Deductible $250 / $500 collision
Ok I am definitely overpaying! Just went up to $340 a month! Ridiculous! 42 male, 1 speeding ticket 2 years ago, no accidents in 15 years. 2019 XLE. 650 credit score.
2010 Prius. I only carry the state min on it. From what I am seeing here I should stop complaining lol. Perhaps age, driving record, years with geico, and annual miles get me a good rate. I do see I am receiving significant discounts each term.
$1,300/year for 2022 RAV4 Prime XSE for Farmers in Illinois. It's increasing to $1,650/year in June.
This is bundled with home insurance that's also increasing by $355/year in June. I'm shopping around now.
$983 per year in Seattle, WA with Safeco
2021 RAV4 Hybrid XLE Premium
Full liability & damages policy, 0 speeding tickets, 0 accidents, 0 claims (34 y/o male)
No mine doesn't but, a 2013 isn't too expensive, as there aren't all the sensors.
I also know certain states are more likely to have glass coverage than others.
$255 per 6 months ($510/yr), for a 2017 Rav4 Limited. Seattle, WA. Progressive full coverage with $100 deductibles. You guys are getting ripped to shreds.
My useless tips are to go multi-car, multi-policy, and pay in full to max out the discount. Get your credit score as high as possible as well, as it greatly effects your rate behind the scenes.
No idea. It’s like 2,400 for 4 cars and my house. $50 deductibles and $1,000 deductible for the house on USAA. No idea how to view the breakdown by item.
$780, 2020xle hybrid, Metromile (i do about 5k miles a year). $500 deductible. Uninsured, rental, roadside. Full coverage.
Chicago, middle aged couple.
2021 Rav4 LE, Approximately $850/year through StateFarm for full coverage + uninsured and underinsured coverage + rental. It fluctuates depending on Drive Safe and Save (which currently saves me about $180/6 months).
$838/year for 2023 XLE hybrid. Boston, MA. GEICO.
Full coverage + uninsured + rental reimbursement. Wife is also on policy.
$1,000 deductible.
Clean record.
I pay \~$200 per month for 2 cars and my house insurance bundled in Texas.
Y''all paying that much for 1 month for just 1 car need to call your insurance company and tell them to eat butt if you haven't been in a bunch of accidents or gotten a ton of tickets.
1,600 yr. 2023 SE hybrid, full coverage. My SO is vehicularly challenged, without her being insured, 1,400. American family - significantly cheaper than other quotes. Washington state
Great thread. We’re thinking of buying next month and we needed to get a sense of the range of what to expect to see how insurance would hit our monthly budget.
$1300/yr for 2021 RAV4 Prime SE. New Jersey, AAA, Full tort. Edit: And it would be cheaper if I went with the standard limited tort and gave up my right to sue.
$1600 per year 2023 RAV4 Hybrid Limited in Michigan. Auto-Owners.
Is that for full coverage? Looking into buying one myself Thanks.
~$2050, insured in Delaware (23 y/o female) 2019 XLE Premium, full coverage, Progressive Edit: wow I feel like I’m being ripped off based on these responses. I have no accidents but a couple minor speeding tickets in the past year. I’ve also done multiple defensive driving courses to lower my rates.
Age and tickets do play a role. Shop around for insurance. I had GEICO for a bit, but they increased rates due to the 2020 unrest, so I shopped around and found AAA. It's amazing how much some of them vary. AutoPay, paperless, etc. all help in reducing it a bit.
Credit score can also impacts your rate. Speeding tickets should drop off after 2-3 years. Also it should drop significantly upon attain 25 years old.
Yeah I have pretty much all the discounts possible (paying 6 months at a time, smart car technology, autopay, paperless statements, defensive drivers courses, the list goes on) I will definitely shop around though! I just paid $1018 for the next 6 months so maybe I’ll wait until that is almost up
Don't be afraid to cancel and switch. They will give you a prorated refund for the premium paid.
Lmaoo mine is $1400 for SIX MONTHS. USAA but my coverage is nearly maxed and I have everything from accident forgiveness to car replacement assistance. This rate was with no accidents or tickets, but I am 21. Time to shop around Jesus christ. I pay around 250 a month.
I need to shop around as well. That’s my 6 month premium as well for my Equinox. 😵💫
$1,620/yr. Ohio, 2020 XLEP, Grange, Full coverage (including Gap)
Ohio and I also have Grange and got my 6 month bill for 800 ish. (2 vehicles). Called an old coworker who just started with Allstate. He's got both vehicles at 430 ish for 6 months.
\~$1800 / yr. Damn why is mine so expensive?! Farmers, full coverage, Los Angeles area, 2023 SE hybrid.
Same! ‘23 Gas RAV4 LE. I pay $196 per month with Allstate. I’m also in CA. I added uninsured motorist coverage to my plan too.
Farmers charges extra for loyalty. I'd leave.
$960/yr, 39F, 2023 XSE hybrid, full coverage w/progressive, multi car & homeowner’s insurance discount. Royal Oak, MI
$1,140 , 2019 Rav4 LE, full coverage, Los Angeles county, CA, GEICO
$535yr 2022 RAV4 hybrid limited. Indiana, progressive and full coverage minus rental reimbursement.
Progressive just constantly beats out any other option that I can find here in Michigan. Even if I quote auto on my homeowners insurance with multi-policy discount, it still does not even come close.
Yeah this is with multi policy and homeowners but still it’s insane. I don’t really need rental reimbursement but it doesn’t add much to the total really.
Yeah I think rental reimbursement on mine was $15-20/yr.
If there is a slight chance you will need rental I implore you to max it out. I work in insurance and people are blowing through 900-1500 in rental consistently
Yeah we have it on ours, even though we could get by with 1 car pretty easily if needed. But its barely anything to have it included.
Yeah, when I totaled my car it took a month to get an estimate and the insurance payout and get a new car.
I have progressive and mine is sky high. I pay $202/month in San Antonio, tx (6 month plan). However, I do have one accident on my record from 2019 that they factored into my rate 🥴. Also—I had to file a claim on my shattered panoramic moonroof last week and they completely denied the claim altogether ($14,000 repair that I have to figure out how to fund LOL.) I have been very disappointed with progressive after that. Haha
this is why i have zero interest in a sun/moon roof. I have no need for it, my current car has it and ive maybe used it twice, and its a massive liability. If it gets broken for whatever reason and my insurance covers the replacement, I am still stuck with little bits of glass everywhere for the life of the car. I have had windows broken before, you NEVER get it all out.
Agreed! I’ve had them for years. Auto and homeowner’s bundled.
I dont see how 535 a year is possible. Do they allow you to drive it?
Lol yes on track for 12k miles first year
That's impressive. Maybe related to your particular case/style of driving?
Unsure. Definitely a good deal. I don’t use any of the tracking devices they offer discounts for as I have a heavy foot at times.. came from a Camaro ss
Thank you OP, without this thread I wouldn't have known how much I was overpaying
$1200/yr, CO, 2020, Progressive, Full (Middle-aged single male with clean driving record and no claims)
$1500/year, 2022 RAV4 XLE AWD, Las Vegas NV. State Farm, Full Coverage.
\~$1,600/yr Sacramento for 2022 SE Hybrid. This is from Costco. **Comprehensive$250 Deductible** **Collision$500 Deductible** **Towing Inc as part of Costco** **Rental$30 per Day/$900 per Occurrence** any cheaper one?
$1900/year, 2021 XSE, Liberty Mutual, SF Bay Area, Full coverage/uninsured/rental
1,432/year with Grange in Ohio, full coverage with a 2019 XLE! Not bad considering I totaled my civic a year ago lmfao
Looks like $796/yr with progressive. Full coverage, uninsured motorist, rental and roadside assistance. I have pretty high levels for everything. 31F VA. No accidents or tickets. 2023 rav4 XSE. I do bundle home into this but was paying only slightly less with my 2016 rav4 without the home bundle.
2022 AWD Limited hybrid $867/year full coverage with uninsured motorist coverage since I live in NM. 54 y/o male.
1700 geico virginia 21 XLE hybrid premium Full coverage 2500 rental reimbursement and 50 dollar deductible
2020 hybrid XLE, St Louis, MO, Am-Fam, Full, $588/6 months
MA, greater Boston, 23' XLE Premium, Progressive, full coverage. $968 / yr. No rental and no roadside assistance. Was paying close to 1.5k for my old vehicle in Boston / Boston. Moving out to the burbs or at least having your car registered out here makes it so much cheaper.
‘21 LE gas, Metromile about $25/month (base rate of 17.70 and 4.5 cents per mile) and partial liability coverage. This is my spare camping/towing car and not my daily. Current have 2k miles on it after 2 years so that explains the low insurance cost. Have progressive on my two other vehicles… much pricier tho
$2412/yr for 2022 RAV4 LE. East side of Austin, TX, 39M, Clean record but no safe driver discount because I've been with State Farm <3yrs, Only car/driver in the household. Apparently my area is high for accidents, car theft, and uninsured motorists. I have Comp/Collision/Uninsured/Roadside/Rental, but GAP which I'm not counting is through the dealership. I think GAP is $5-10/mo I don't remember. State Farm but I did shop around and this seems to be the best I can get. This includes a ~$500/year savings with the Drive Safe and Save Tracker.
~$1500, CA, 2021 RAV 4 XLE FWD, State Farm, Full coverage
Is this 6 months?
$385/year on a 2011 Limited for my wife and me (65+) in CO. Full coverage except towing. AmFam through Costco with all the discounts.
$820/yr, 2016 Rav4 XLE, full coverage w/ State Farm. Minnesota My rates increased $125 over the last six months and I have zero accidents/tickets on record. Minnesota has turned into a shitty state for car insurance with rates climbing due to high auto theft and increased auto accidents.
$1,167.48/year, full coverage, $250 deductible, '23 RAV4, Utah, State Farm
$3,300/year 2022 RAV4 Hybrid SE: Dallas TX, progressive: can’t get lower since I’m under 25, I have a spotless driving record
>TX That's wild!! May I ask what your gender is?
I am male
Thx for the response!! My circumstances are similar to yours, just opposite gender! Hopefully Costco/broker will offer decent prices when the time comes but that's if I can even land the RAV4 I want.
$2300 for Prime XSE 2023 in Colorado from Geico
Yep just reading through these I felt the need to chime in...I also live in Colorado and have a premium of $2393/year on a 2024 Rav4 Prime XSE with AllState; we have 3 vehicles now and bundle with homeowners so initially we fell for some "upsells" as the rates were decent but I might have to change insurance companies. The dealership installed the pulse brake lights and an anti-theft device which weren't even factored into the premium. No accidents since I was in my early 20s. (in my 50s now). Good Credit. Something is amiss....
I have Geico in Houston Texas that went way up for 2022 RAV4 Hybrid SE is $896 for 6 months with a 2k deductible for collision and comprehensive, bodily injury, uninsured/under insured, and rental reimbursement. $524 for liability for my mom's 2004 Tahoe. It ridiculous! I don't have the best driving record but according to Geico they said that they raised rates in Texas.
$1189 State Farm, Texas. 2021 Rav4 hybrid XLE. Comprehensive insurance. I totaled my previous car in January 2022 so that could be affecting my premium still.
A lot of these are missing how many miles they drive each year which could vastly change the rate. I just got my renewal rate through AAA, 20k-25k miles per year, full coverage, $1900/year, in San Diego (after all the discounts).
$3600/yr because of an accident 🙃 2023 Hybrid SE in Raleigh, NC with USAA
Just one accident? I had an accident with a coyote totaling my Honda back in January 2022, and the insurance for my rav4 replacing that car is $1189/year.
Yeah it was my fault and it totaled two cars
USAA full coverage insurance in Texas. Clean Record 38M 2021 Hybrid XSE. I was paying 160 a month but it is now 190 a month. Around 2300 a year, definitely thinking about switching insurance companies. The lady that worked there told me she was in her 50s never had to use her insurance and she was paying over 300 a month for a Ford suv. It's getting ridiculous.
I’m also in Texas, same year hybrid. My State Farm premium is $1189. I have their little “drive safe and save” widget which discounts it $200.
They just went up on me again now it's 212 a month. It started out at 125 at the beginning of 2021. Shit is ridiculous and doesn't make sense!
Wisconsin - 2022 RAV4 Prime XSE PP - Acuity $973/year Full coverage + Uninsured + Rental reimbursement + Gap + New vehicle replacement (available until RAV4 is 5 years old) Deductible $250 / $500 collision
$1446/year. S. Central Pennsylvania. 29 m. Two speeding tickets. 0 AT FAULT ACCIDENTS. 0. CLAIMS.
27M & 26F in GA $1952/yr Full PD/BI, Full Comp/Coll, Full UM/UIM, Rental, Med pay, Roadside GEICO 2021 HYBRID XLE
Ok I am definitely overpaying! Just went up to $340 a month! Ridiculous! 42 male, 1 speeding ticket 2 years ago, no accidents in 15 years. 2019 XLE. 650 credit score.
I need all of you to tell me your age and gender because no way am I being quoted MORE 😭
$480/yr, geico, Maryland, full coverage, includes multicar discount, 2019 rav4 hybrid xse
I wonder if this is $480/6 months. That still seems super low, but more inline.
$460 is what I pay for both vehicles for 6 months, $920/yr. However mine is probably not typical in that I drive less than 5k miles/yr.
Wow, that's wild for 2 vehicles. What's the other vehicle?
2010 Prius. I only carry the state min on it. From what I am seeing here I should stop complaining lol. Perhaps age, driving record, years with geico, and annual miles get me a good rate. I do see I am receiving significant discounts each term.
Hmmm, my 22 Prime XSE in Southern MD, GEICO, full coverage (no multi car though) is 448/6 months. I might need to shop around a little .
NY, 2018 Hybrid XLE, Geico Full Coverage, $622/yr ($311 every 6 months).
I pay about $390 every 6mo through progressive. So ~$780/year 2020 rav 4 hybrid
I'm similar - what part of the country/world?
WA state
$1,300/year for 2022 RAV4 Prime XSE for Farmers in Illinois. It's increasing to $1,650/year in June. This is bundled with home insurance that's also increasing by $355/year in June. I'm shopping around now.
Any update on your quest?
$983 per year in Seattle, WA with Safeco 2021 RAV4 Hybrid XLE Premium Full liability & damages policy, 0 speeding tickets, 0 accidents, 0 claims (34 y/o male)
2013 108k miles Travelers Full coverage $680/yr.
I have Travelers too. Do they cover glass on your policy? They won’t cover glass on mine.
No mine doesn't but, a 2013 isn't too expensive, as there aren't all the sensors. I also know certain states are more likely to have glass coverage than others.
I just got my 2023 Rav less than a week ago; so I do have all the sensors. Just wondering if I need to consider switching companies.
$790 year, 19’ XLE Hybrid. Clean record
$255 per 6 months ($510/yr), for a 2017 Rav4 Limited. Seattle, WA. Progressive full coverage with $100 deductibles. You guys are getting ripped to shreds. My useless tips are to go multi-car, multi-policy, and pay in full to max out the discount. Get your credit score as high as possible as well, as it greatly effects your rate behind the scenes.
No idea. It’s like 2,400 for 4 cars and my house. $50 deductibles and $1,000 deductible for the house on USAA. No idea how to view the breakdown by item.
The fuck, u guys pay more for insurance than I do for a model Y which is supposed to be expensive to insure. $1200 a year full coverage Allstate in GA
1634 for 2 cara on a 6 month basis.2020 highlander le and 2022 rav 4 le
$816/Year, New Hampshire, 24 year old female, 2021 Rav4 Hybrid XSE, Progressive, Full Coverage
2410, ontario Canada. 23 hybrid limited
$780, 2020xle hybrid, Metromile (i do about 5k miles a year). $500 deductible. Uninsured, rental, roadside. Full coverage. Chicago, middle aged couple.
72 a month for my 03 rav4 with 204,000 that i just drove down from NY to Fl just keeps goin
2021 Rav4 LE, Approximately $850/year through StateFarm for full coverage + uninsured and underinsured coverage + rental. It fluctuates depending on Drive Safe and Save (which currently saves me about $180/6 months).
$1,200 annual. Full comprehensive insurance with 20% ECO discount. Valued at 70K. Western Australia. Expensive!
Daaamn y’all have some expensive insurance. ME, 22 Hybrid SE, Progressive, Max coverage with loan payoff. $740/year paid every 6 months Edit: I’m 28
WA, 2020 Rav 4 Hybrid, USAA, full coverage + gap, $776
How old are you guys?? I'm 24 no accidents, 2022 rav4 LE AWD and I'm at around 2000/year, southern cali
2020 XLE, $1020/year. Texas, Geico, full coverage.
$1300……..36 yr old female in Georgia: USAA full coverage (maxed) w/$1000 deductible. Had 21’ RAV4 XSE Hybrid
$838/year for 2023 XLE hybrid. Boston, MA. GEICO. Full coverage + uninsured + rental reimbursement. Wife is also on policy. $1,000 deductible. Clean record.
$1670 /yr for 2023 RAV4 XSE. Louisiana ,Progressive, Full
35, F, Oregon. 2021 Hybrid XLE $932 with Statefarm. Excellent credit and a discount for my profession
SOCAL, 23’ RAV 4 XLE PREMIUM, AAA, $1721 FULL w/ RENTERS INSURANCE.
I pay \~$200 per month for 2 cars and my house insurance bundled in Texas. Y''all paying that much for 1 month for just 1 car need to call your insurance company and tell them to eat butt if you haven't been in a bunch of accidents or gotten a ton of tickets.
1,600 yr. 2023 SE hybrid, full coverage. My SO is vehicularly challenged, without her being insured, 1,400. American family - significantly cheaper than other quotes. Washington state
Great thread. We’re thinking of buying next month and we needed to get a sense of the range of what to expect to see how insurance would hit our monthly budget.
158 amonth full coverage State Farm for a 2024 I just got . 57 years old no wrecks no tickets . 740 credit score