TOYOTA RAV4 2004 Car Insurance

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The 2004 Toyota RAV4 is a reliable compact SUV known for its durability and versatility. A pioneer in its segment, it remains popular on the used-car market for its affordable upkeep and reputation for longevity.

TOYOTA RAV4 2004 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2022 to 2026, premiums for the 2004 Toyota RAV4 fluctuate noticeably, rising from $288 in 2022 to a peak of $493 in 2023 before gradually declining to $255 in 2026. This variability reflects the vehicle's older age and shifting repair-cost dynamics for a long-established model.

To find the best insurance for your TOYOTA RAV4 2004 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TOYOTA RAV4 2004

How much does insurance for your TOYOTA RAV4 2004 cost in Quebec?

Based on the available data, the average premium for the 2004 Toyota RAV4 in Montreal stands at $383. No other cities were provided to allow a broader geographic comparison.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
MONTRÉAL	$382.90

Frequently asked questions (FAQ)

How much does insurance cost for a 2004 Toyota RAV4?

The average premium varies by year, ranging from $255 to $493 between 2022 and 2026. In 2025, it stood at $315, and the most recent 2026 figure is $255.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Why did the premium for the 2004 RAV4 fluctuate so much?

Premiums rose from $288 in 2022 to $493 in 2023, then declined to $255 in 2026. This variation can reflect changes in replacement value, vehicle age, and broader insurance market trends for older models.

How much does it cost to insure a 2004 RAV4 in Montreal?

In Montreal, the average premium for this model is $383 based on the available data.

What factors influence the premium for a 2004 RAV4?

Vehicle age, lower replacement value, mileage, and claims history all influence the premium, which tends to stay more affordable than for newer models.

HONDA
CR-V

FORD
ESCAPE

SUBARU
FORESTER

NISSAN
X-TRAIL

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/13/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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