Toyota RAV4 insurance group

Why the Toyota RAV4's group varies by trim

Insurance groups are assessed per derivative, not per model name — engine size, power, standard safety and security equipment and repair cost all move the number. That's why the Toyota RAV4 spans a range rather than a single group; a base petrol trim and a higher-powered version of the same car can sit several groups apart. Our figures are typical ranges researched from public Thatcham/ABI Group Rating Panel information — for the exact group tied to your own registration, use the insurance group checker above. Some variants above show a letter after the number (like 22E) — that flags the specific derivative the rating applies to; see our group letters explained guide.

How much does it cost to insure a Toyota RAV4?

Because the range spans groups 17 to 28, there is no single Toyota RAV4 insurance cost — there is a band. Our estimates put the entry versions at around £565 a year for a driver aged 30–49 on comprehensive cover, rising to roughly £800 for the highest-rated derivative. The gap between the cheapest and dearest versions is big enough to be worth checking before you commit to a particular trim.

So how much is Toyota RAV4 insurance for a younger driver? A good deal more: the entry trim works out at about £1,525 a year at 17–20 on the same assumptions. And how much to insure a Toyota RAV4 in your own case depends on far more than the car, so treat these as a way to compare this model against others rather than as the Toyota RAV4 insurance quote you will be offered.

Two things genuinely reduce what you pay. The first is trim choice — the cheapest route to cheap Toyota RAV4 car insurance is the lowest-rated engine in the range, not a higher trim with a bigger discount attached. The second is everything on your side of the quote: a year of no-claims, an accurate mileage figure, a sensible excess and paying annually all move the number. How much is a Toyota RAV4 to insure in the end comes down to both halves, and only one of them is fixed on the day you buy.

To put that in context, see what insurance group 23 costs across age bands, or compare the whole scale in the insurance group prices table. If the premium is what is driving your choice, our guide to lowering your car insurance costs covers the levers that work once the car is already yours.

Compare with similar cars

If you're cross-shopping the Toyota RAV4, these similar-segment cars are worth a look too:

• Ford EcoSport — typically groups 11–19
• Vauxhall Crossland — typically groups 10–18
• Seat Arona — typically groups 10–19
• Nissan Qashqai — typically groups 13–26

See where group 23 sits on the full 1–50 insurance groups list, read what insurance group 23 means in cost terms, or find out how these ratings are decided in the first place.