Toyota RAV4 Insurance in Oregon
Rates from $37 – $62/mo minimum coverage, $107 – $178/mo full coverage. Compare top OR carriers below.
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Updated June 2026 · Source: Oregon DOI + IQ rate model
Average monthly premium — 2024 Toyota RAV4, Oregon
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Toyota RAV4 drivers in Oregon
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Toyota RAV4 insurance costs what it does in Oregon
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Oregon requires 25/50/20 liability + $15,000 PIP + 25/50 UM. PIP raises the floor but state-level rate-review keeps premiums below national average. Portland metro is the upward pressure.
Frequently asked questions
01How much is Toyota RAV4 insurance in Oregon?
Oregon drivers of a 2024 Toyota RAV4 pay about $107 – $178 per month for full coverage, or roughly $37 – $62 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed RAV4?
Yes. If your RAV4 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Oregon law itself only requires the state liability minimums (25/50/20 plus $15,000 PIP + 25/50 UM), but the lender's contract overrides that.
03What's the cheapest carrier for a RAV4 in Oregon?
Cheapest varies by driver profile, but in Oregon the major carriers most often quoting the lowest premiums for a RAV4 are GEICO, Progressive, and State Farm. Regional carriers (PEMCO and Oregon Mutual) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the RAV4's 5-star safety rating lower my premium?
Yes, a small but real amount. The RAV4's 5-star NHTSA rating means lower expected injury claims in an at-fault collision, which insurers price into both liability and medical-payments premiums. The discount is typically 2-5% vs an equivalent 3-star vehicle.
05Does Oregon require SR-22 after a DUI for a RAV4?
After a DUI, Oregon requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a RAV4 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.