Toyota RAV4 Insurance in Rhode Island (2026)
Quick Answer
Full coverage for a 2024 Toyota RAV4 in Rhode Island costs $194/month ($2,322/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
Toyota RAV4 Rates by Company in Rhode Island
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $143/mo | $1,718/yr | Military families |
| Erie Insurance | $153/mo | $1,834/yr | Rate lock guarantee |
| GEICO | $159/mo | $1,904/yr | Clean driving record |
| Progressive | $170/mo | $2,043/yr | Telematics savings |
| State Farm | $176/mo | $2,113/yr | Good students |
| Travelers | $184/mo | $2,206/yr | Multiple discounts |
| Nationwide | $201/mo | $2,415/yr | Bundling home + auto |
| Farmers | $209/mo | $2,508/yr | Signal telematics |
| Allstate | $217/mo | $2,601/yr | Accident forgiveness |
| Liberty Mutual | $228/mo | $2,740/yr | New car replacement |
USAACheapest
Monthly
$143/mo
Annual
$1,718/yr
Best for: Military families
Erie Insurance
Monthly
$153/mo
Annual
$1,834/yr
Best for: Rate lock guarantee
GEICO
Monthly
$159/mo
Annual
$1,904/yr
Best for: Clean driving record
Progressive
Monthly
$170/mo
Annual
$2,043/yr
Best for: Telematics savings
State Farm
Monthly
$176/mo
Annual
$2,113/yr
Best for: Good students
Travelers
Monthly
$184/mo
Annual
$2,206/yr
Best for: Multiple discounts
Nationwide
Monthly
$201/mo
Annual
$2,415/yr
Best for: Bundling home + auto
Farmers
Monthly
$209/mo
Annual
$2,508/yr
Best for: Signal telematics
Allstate
Monthly
$217/mo
Annual
$2,601/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$228/mo
Annual
$2,740/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Toyota RAV4 Insurance by Age in Rhode Island
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $739/mo | $8,870/yr |
| 19 years old | $447/mo | $5,364/yr |
| 21 years old | $356/mo | $4,272/yr |
| 25 years old | $234/mo | $2,810/yr |
| 30 years old | $194/mo | $2,322/yr |
| 40 years old | $182/mo | $2,183/yr |
| 50 years old | $176/mo | $2,113/yr |
| 65 years old | $192/mo | $2,299/yr |