Which is the Cheaper Car to Insure in 2023, Toyota RAV4 or Subaru Forester?

If you are looking to purchase a new vehicle, you may be wondering which is the cheaper car to insure in 2023: the Toyota RAV4 or the Subaru Forester. The cost of car insurance can vary depending on many factors, such as driving history, age, and location. However, we have researched and compiled data on the average cost of car insurance for both models to help you make an informed decision.

Comparing Insurance Rates for 2023 Toyota RAV4 and Subaru Forester

According to our research, the average cost of car insurance for a 2023 Toyota RAV4 is $1,634 per year, while the average cost for a Subaru Forester is $1,486 per year. This makes the Forester the cheaper option, with an annual savings of $148.

The cheapest 2023 Toyota RAV4 model to insure is the LE 2WD model, with an average cost of $1,468 per year or $122 per month. The cheapest 2023 Subaru Forester model to insure is the Base AWD model, with an average cost of $1,378 per year or about $115 per month.

The Overall Cheapest Vehicle to Insure

When we compare rates for all 25 trim levels of both models, the overall cheapest vehicle to insure is the 2023 Subaru Forester Base AWD at a cost of $1,366 per year. On the other hand, the most expensive vehicle to insure is the Toyota RAV4 Limited Hybrid, costing $1,715 per year.

The following table provides a ranking of the annual and monthly cost of car insurance for 2023 Toyota RAV4 and Subaru Forester models, broken down by individual trim level:

Insuring a Car: Which is Cheaper – Toyota RAV4 or Subaru Forester?

When it comes to insuring a car, one of the key considerations is cost. With that in mind, many car buyers want to know whether it’s cheaper to insure a Toyota RAV4 or a Subaru Forester. In this article, we’ll break down the cost of insuring both models and help you determine which is the more affordable option.

Which is Cheaper to Insure?

Overall, the Subaru Forester is the cheaper of the two models to insure, with an average annual cost that is $148 less than the RAV4. Moreover, the Base AWD model of the Forester is the cheapest to insure of all 2023 trim levels for both models, with an average cost of $1,378 per year.

Insuring a Car by Age Group

Insurance rates can also vary depending on the age group of the driver. According to the data, the average cost to insure a 2023 Toyota RAV4 for a driver between the ages of 18 and 25 is $3,252 per year, while the cost for a driver between the ages of 50 and 60 is $1,490 per year. Meanwhile, the average cost to insure a 2023 Subaru Forester for a driver between the ages of 18 and 25 is $2,998 per year, while the cost for a driver between the ages of 50 and 60 is $1,358 per year.

Factors that Impact Insurance Cost:

Vehicle Make and Model:

The make and model of the vehicle play a significant role in the insurance cost. Vehicles that are expensive to repair or have a high theft rate are likely to have higher insurance rates. In this case, both Toyota RAV4 and Subaru Forester have similar repair and replacement costs, making their insurance rates comparable.

Safety Features:

Vehicles that have advanced safety features such as anti-lock brakes, airbags, and blind-spot monitoring are likely to have lower insurance rates. Both Toyota RAV4 and Subaru Forester come equipped with advanced safety features, making them a good choice for safe driving and lower insurance rates.

Age and Driving Record:

Age and driving record of the driver also impact the insurance cost. Younger drivers and drivers with a poor driving record are likely to pay more for insurance. So, it’s essential to maintain a good driving record to get lower insurance rates.

Location and Environment:

Location and environment also play a role in the insurance cost. Vehicles that are driven in areas with a high crime rate or prone to natural disasters are likely to have higher insurance rates. So, it’s essential to consider the location and environment before purchasing a vehicle.

How to Save on Car Insurance

Car insurance can be expensive, but there are ways to save on it. Here are some tips that can help you reduce your car insurance cost:

Comparison Shop

Don’t settle for the first insurance quote you receive. Comparison shop to find the best insurance rate for your vehicle. You can use online comparison tools to compare insurance rates from different insurance providers.

Increase Deductible

Increasing your deductible can help you lower your insurance premium. However, make sure to set a deductible that you can afford to pay in case of an accident.

Bundle Insurance Policies

Bundling your insurance policies, such as home and car insurance, can help you save money on both policies.

FAQ:

Is Toyota RAV4 or Subaru Forester more expensive to insure?

On average, Subaru Forester is slightly more expensive to insure than Toyota RAV4. However, insurance rates vary depending on several factors such as location, driving record, and safety features.

How can I reduce my car insurance cost?

You can reduce your car insurance cost by comparison shopping, increasing your deductible, and bundling your insurance policies.

Are Toyota RAV4 and Subaru Forester good choices for safe driving?

Both Toyota RAV4 and Subaru Forester come equipped with advanced safety features and are considered safe choices for driving.