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TOYOTA RAV4 2021 Car Insurance

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The 2021 Toyota RAV4 is a versatile compact SUV known for its reliability and strong resale value. Ideal for families and daily commuting, it combines generous interior space, comfortable driving manners, and low long-term maintenance costs.

TOYOTA RAV4 2021 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the 2021 RAV4 fluctuate rather than follow a linear path: they drop slightly from $1149 to $1120 in 2022, jump to $1563 in 2023, then hover between $1536 and $1585 before easing to $1483 in 2026. Overall, the premium remains higher than at the outset.

To find the best insurance for your TOYOTA RAV4 2021 vehicle, it is more important than ever to compare the available options.

How much does insurance for your TOYOTA RAV4 2021 cost in Quebec?

Premiums vary significantly by city for the 2021 RAV4: Montreal posts the highest amount ($2411), followed by Gatineau ($1823) and Saguenay ($1730), while Saint-Jérôme ($1084) and Drummondville ($1219) offer the most affordable premiums. The gap between the extreme cities exceeds $1300.

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
BROSSARD $1372.94
DRUMMONDVILLE $1218.64
GATINEAU $1822.83
LAVAL $1597.43
LÉVIS $1345.79
LONGUEUIL $1428.98
MONTRÉAL $2411.16
QUÉBEC $1550.03
REPENTIGNY $1248.56
Saguenay $1729.86
SAINT-JEAN-SUR-RICHELIEU $1391.06
SAINT-JÉRÔME $1083.96
SHERBROOKE $1305.19
TERREBONNE $1428.62
TROIS-RIVIÈRES $1430.42

Frequently asked questions (FAQ)

How much does insurance cost for a 2021 Toyota RAV4?
Based on available data, the average premium for a 2021 Toyota RAV4 fluctuates year over year, reaching $1483 in 2026 after peaking at $1585 in 2025.
Has the RAV4 2021 premium changed much since 2021?
Yes, it has fluctuated: starting at $1149 in 2021, it jumped to $1563 in 2023 before easing to $1483 in 2026, without a clear linear trend.
Which city has the highest cost to insure a 2021 RAV4?
Montreal shows the highest premium at $2411, well above Gatineau ($1823) and Saguenay ($1730).
Where is the 2021 RAV4 cheapest to insure?
Saint-Jérôme ($1084) and Drummondville ($1219) show the lowest average premiums among the cities provided.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any vehicle driven on public roads.
What factors influence the premium for a 2021 RAV4?
Place of residence, driver age, claims history, and vehicle replacement value are among the main factors explaining gaps that can exceed $1300 between cities.
How can I lower my premium for a 2021 RAV4?
Comparing quotes from several insurers, bundling auto and home insurance, and maintaining a clean driving record are effective ways to reduce the premium.

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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: 09/05/2026

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