Estimates, not quotes

Subaru Forester vs Toyota RAV4 Insurance Cost

The Subaru Forester is cheaper to insure by about $145 a year for full coverage by our estimate ($1,140 vs. $1,285), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageSubaru ForesterToyota RAV4Difference
State minimum$445$550−$105
Standard (100/300/100)$645$800−$155
Full coverage$1,140$1,285−$145

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Forester minus RAV4.

Why one costs more to insure

FactorSubaru ForesterToyota RAV4
SegmentSmall SUVSmall SUV
PowertrainsGasoline, HybridGasoline, Hybrid, Plug-in hybrid, Electric
HLDI collision (100 = avg)6472
HLDI comprehensive8462
HLDI property damage liability6383
HLDI bodily injury liability5594
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)86

Collision losses are the biggest swing factor: the Toyota RAV4 has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota RAV4.

Forester vs RAV4 insurance by state

StateForesterRAV4Difference
Alabama$990$1,100−$110
Alaska$990$1,120−$130
Arizona$1,200$1,350−$150
Arkansas$1,010$1,105−$95
California$1,095$1,250−$155
Colorado$1,320$1,435−$115
Connecticut$1,200$1,380−$180
Delaware$1,265$1,465−$200
District of Columbia$1,425$1,610−$185
Florida$1,620$1,890−$270
Georgia$1,405$1,620−$215
Hawaii$770$875−$105
Idaho$775$865−$90
Illinois$985$1,105−$120
Indiana$810$905−$95
Iowa$795$840−$45
Kansas$930$995−$65
Kentucky$960$1,080−$120
Louisiana$1,580$1,780−$200
Maine$725$805−$80
Maryland$1,270$1,450−$180
Massachusetts$1,105$1,260−$155
Michigan$1,230$1,390−$160
Minnesota$965$1,050−$85
Mississippi$1,100$1,210−$110
Missouri$1,045$1,150−$105
Montana$935$990−$55
Nebraska$930$995−$65
Nevada$1,295$1,520−$225
New Hampshire$805$905−$100
New Jersey$1,360$1,580−$220
New Mexico$1,025$1,140−$115
New York$1,520$1,750−$230
North Carolina$845$935−$90
North Dakota$750$785−$35
Ohio$815$905−$90
Oklahoma$1,040$1,130−$90
Oregon$1,020$1,175−$155
Pennsylvania$995$1,100−$105
Rhode Island$1,360$1,575−$215
South Carolina$1,220$1,390−$170
South Dakota$910$930−$20
Tennessee$945$1,050−$105
Texas$1,365$1,500−$135
Utah$1,025$1,185−$160
Vermont$740$810−$70
Virginia$975$1,100−$125
Washington$985$1,135−$150
West Virginia$965$1,045−$80
Wisconsin$790$860−$70
Wyoming$925$950−$25

By driver profile (full coverage)

DriverForesterRAV4
Teen driver (18, own policy)$3,130$3,530
Young adult (22)$1,820$2,055
Adult in their 30s$1,140$1,285
Adult in their 50s$1,045$1,180
Senior (72)$1,275$1,435
30s, one at-fault accident$1,650$1,860
30s, DUI on record$2,105$2,375

More comparisons

Frequently asked questions

Is the Subaru Forester or the Toyota RAV4 cheaper to insure?

By our estimate the Subaru Forester is cheaper, by about $145 a year for full coverage ($1,140 vs. $1,285) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Subaru Forester and Toyota RAV4?

Mostly because of insurance-loss history: HLDI collision indices of 64 vs. 72 and comprehensive indices of 84 vs. 62 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page