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At least in Toronto, with my insurance history, the Hybrid version of the RAV4 is cheaper than the equivalent trim gas models to insure. Numbers below in Canadian dollars. Using a insurance quote site that generates quotes from several different companies, I compared the various XLE models, since that's the only trim level here you can get in 2WD gas, AWD gas, and AWD Hybrid.
AWD Hybrid: $1661, $1746, $1795 (average $1734)
AWD gas: $1767, $1769, $1805 (average $1780)
2WD gas: $1727, $1804, $1820 (average $1783)
So, if you take the absolute lowest quotes, the AWD Hybrid is the cheapest by a decent margin, with the 2WD gas and AWD gas coming in second and third respectively. If you take the average of the lowest three quotes, the AWD Hybrid is again the cheapest, but the AWD gas model is very slightly cheaper than the 2WD gas model.
BTW, the Limited AWD Hybrid we're getting gets the same rates as the XLE AWD Hybrid, so again, noticeably cheaper insurance rate than the XLE 2WD gas model.
AWD Hybrid: $1661, $1746, $1795 (average $1734)
AWD gas: $1767, $1769, $1805 (average $1780)
2WD gas: $1727, $1804, $1820 (average $1783)
So, if you take the absolute lowest quotes, the AWD Hybrid is the cheapest by a decent margin, with the 2WD gas and AWD gas coming in second and third respectively. If you take the average of the lowest three quotes, the AWD Hybrid is again the cheapest, but the AWD gas model is very slightly cheaper than the 2WD gas model.
BTW, the Limited AWD Hybrid we're getting gets the same rates as the XLE AWD Hybrid, so again, noticeably cheaper insurance rate than the XLE 2WD gas model.