Is it Cheaper to Insure a Honda CR-V or Honda Civic?

• When insurance for 2024 models is compared, a Honda CR-V has cheaper car insurance rates than a Honda Civic by an average of $78 per year.
• For the 2024 model year Honda CR-V, average full-coverage car insurance rates range from $1,894 to $2,106 per year, while the 2024 Honda Civic costs from $1,854 to $2,458, depending on the trim level being insured.
• When compared to the 2024 model year average cost to insure a car in the U.S. of $2,512 per year, the Honda CR-V costs an average of 22.9% less per year, while the Honda Civic costs 19.1% less per year.

Is car insurance cheaper for a Honda CR-V or Honda Civic?

Insurance rates for a 2024 Honda CR-V average $1,996 per year, and insurance for a 2024 Honda Civic averages $2,074 per year, making the Honda CR-V the winner by $78 per year.

Out of nine Honda CR-V trims, the cheapest 2024 trim level to insure is the LX model at an average cost of $1,894 per year, or about $158 per month. Out of the 10 trim levels available for the Honda Civic, the cheapest 2024 trim level to insure is the LX model at a cost of $1,854.

When insurance prices for all 19 trim levels for the 2024 model year of both models are compared, the lowest-cost model and trim level is the Honda Civic LX at an average cost of $1,854 per year, and the most expensive vehicle to insure is the Honda Civic Type R at an average of $2,458 per year.

The table below ranks the annual and monthly cost of car insurance for 2024 Honda CR-V and Honda Civic models, with average rates for each vehicle.

The next chart shows the average cost to insure both models rated for a variety of different driver ages. Insurance cost ranges from $1,772 to $4,016 per year for a 2024 Honda CR-V, and $1,838 to $4,110 for a 2024 Honda Civic.

The next two rate tables display average cost to insure each trim level for a 2024 Honda CR-V and Honda Civic, as well as an average rate for each model. The 2024 Honda CR-V has cheaper overall car insurance rates than the 2024 Honda Civic.

2023 Honda CR-V vs. Honda Civic

Car insurance on a 2023 Honda CR-V costs an average of $1,932 per year, while the 2023 Honda Civic costs an average of $2,214 per year, making the Honda CR-V the cheapest of the two to insure.

The actual cost of car insurance can vary greatly for each different trim level, however.

For the CR-V, insurance rates range from the cheapest rate of $1,870 per year for the EX model up to $2,032 for the Sport Touring Hybrid AWD model.

For a 2023 Honda Civic, rates can range from $2,066 per year for the Sport model up to $2,444 for the most expensive to insure Type R model.

The table shown below ranks the annual and monthly car insurance rates for 2023 Honda CR-V and Honda Civic models, showing the average cost for each trim level.

The following chart visualizes the average cost to insure both 2023 models rated for drivers aged 20 to 50. The average cost of full-coverage insurance ranges from $1,714 to $3,920 per year on a 2023 Honda CR-V, and $1,970 to $4,428 for a 2023 Honda Civic for the five driver ages sampled in the chart.

The 2023 Honda CR-V has seven trim levels available, with the cheapest model to insure being the EX trim at an average cost of $1,870 per year, or around $156 per month.

For the eight trim and option levels available for a Honda Civic, the lowest-cost 2023 trim level to insure is the Sport model at a cost of $2,066.

When looking at the combined rates by trim level for both models, the cheapest vehicle to insure is the Honda CR-V EX at an average rate of $1,870 per year. The overall most expensive vehicle to insure is the Honda Civic Type R costing $2,444 per year.

The two tables below detail the average cost to insure each trim level for a 2023 Honda CR-V and Honda Civic, as well as an average rate for each model.

2022 Honda CR-V vs. Honda Civic

When comparing average insurance cost for 2022 models, the Honda CR-V costs $1,872 per year to insure and the Honda Civic costs $2,106, making the Honda CR-V the cheaper model to insure by $234.

The chart below visualizes the average cost to insure both 2022 models for drivers from ages 20 to 50. For a 2022 Honda CR-V, the average car insurance cost ranges from $1,662 to $3,792 per year for the example age groups. Full-coverage insurance on the 2022 Honda Civic costs from $1,874 to $4,222 on average per year.

For the eight trims available for the 2022 Honda CR-V, the cheapest model to insure is the LX model at an average cost of $1,760 per year, or around $147 per month. A 2022 Honda Civic has 11 trim levels available, and the lowest-cost model to insure is the LX model at an average cost of $1,960 per year, or $163 per month.

When average car insurance prices for all 19 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Honda CR-V LX at an average of $1,760 per year, and the most expensive model and trim level is the Honda Civic Type R at an average cost of $2,300 per year.

The next two rate tables show both 2022 models and all trim levels available for each one, along with the average rate for each model.

2021 Honda CR-V vs. Honda Civic

When comparing insurance rates for 2021 models, a Honda CR-V costs an average of $1,688 per year to insure and a Honda Civic costs $1,918, making the Honda CR-V more affordable to insure by $230 per year for this comparison year.

The chart below visualizes the average insurance cost for the two models for a range of driver ages. For a 2021 Honda CR-V, average car insurance prices range from $1,494 to $3,404 per year for the driver ages used. Full-coverage insurance on a 2021 Honda Civic costs from $1,710 to $3,838 on average per year.

Out of eight Honda CR-V trim levels, the most affordable 2021 model to insure is the EX 2WD trim at an average cost of $1,582 per year. For the 13 trim and option levels available for the Honda Civic, the cheapest 2021 model to insure is the LX Sedan model at a cost of $1,730.

When rates for all 21 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Honda CR-V EX 2WD at an average cost of $1,582 per year. The highest-cost model and trim level is the Honda Civic Sport Touring Hatchback costing $2,354 per year.

The next tables illustrate all the available trims for both 2021 models, including the average rate for each model.

2020 Honda CR-V vs. Honda Civic

When comparing average insurance rates for the 2020 Honda CR-V and Honda Civic models, the Honda CR-V is cheaper to insure by an average of $236 per year for this comparison year.

The rate chart below visualizes the average insurance cost for the two models rated for multiple driver ages. Average insurance cost ranges from $1,450 to $3,298 per year for the 2020 Honda CR-V, and $1,670 to $3,752 on the 2020 Honda Civic for these driver ages.

For the eight trims available for a 2020 Honda CR-V, the cheapest trim to insure is the EX 2WD model at an average cost of $1,538 per year.

Out of the 17 trim options available for a Honda Civic, the cheapest 2020 trim level to insure is the LX Sedan model at a cost of $1,680.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Honda CR-V EX 2WD at an average rate of $1,538 per year, and the overall most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback costing an average of $2,290 per year.

The tables below display the cost to insure the available trim levels for both 2020 models, as well as the overall average rate for each model. The 2020 Honda CR-V has more affordable average car insurance rates than the 2020 Honda Civic.

2019 Honda CR-V vs. Honda Civic

When comparing car insurance rates for the 2019 Honda CR-V and Honda Civic models, the Honda CR-V is cheaper to insure by $290 per year for 2019.

The following chart illustrates the average insurance cost for both 2019 models for drivers aged 20 to 50. A full-coverage car insurance policy ranges from $1,352 to $3,060 per year on a 2019 Honda CR-V, and $1,616 to $3,644 on the 2019 Honda Civic for the driver ages used.

For the eight trims available for a 2019 Honda CR-V, the most affordable trim to insure is the EX 2WD trim at an average cost of $1,448 per year, or around $121 per month. The 2019 Honda Civic has 18 trim options available, with the cheapest trim level to insure being the SI Sedan model at an average cost of $1,584 per year.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Honda CR-V EX 2WD at an average cost of $1,448 per year, and the most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback costing an average of $2,062 per year.

The rate tables below break down both 2019 models and all trim levels available for each one, along with the average rate for each model.

2018 Honda CR-V vs. Honda Civic

When comparing car insurance rates for the 2018 Honda CR-V and Honda Civic models, the Honda CR-V has cheaper rates by $326 per year.

The following chart shows the average car insurance cost for both 2018 models rated for different driver ages. Average full-coverage insurance ranges from $1,302 to $2,936 per year for a 2018 Honda CR-V, and $1,602 to $3,572 on the 2018 Honda Civic for the five age groups shown in the chart.

For the 10 trim levels available for a 2018 Honda CR-V, the cheapest model to insure is the EX 2WD model at an average cost of $1,384 per year, or $115 per month. A 2018 Honda Civic has 22 trim levels available, with the most affordable trim level to insure being the SI Sedan model at an average cost of $1,512 per year, or around $126 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Honda CR-V EX 2WD at an average rate of $1,384 per year. The highest-cost model and trim is the Honda Civic Sport Touring Hatchback at an average cost of $1,978 per year.

The tables shown below illustrate the average insurance cost by trim level for both 2018 models, along with the average rate for each model.

2017 Honda CR-V vs. Honda Civic

When comparing average insurance cost for 2017 models, the Honda CR-V costs an average of $1,402 per year to insure and the Honda Civic costs $1,706, making the Honda CR-V the cheaper model by $304 for this comparison year.

The next chart displays the average cost to insure the two models for drivers from ages 20 to 50. Average full-coverage insurance ranges from $1,250 to $2,812 per year for the 2017 Honda CR-V, and $1,530 to $3,402 for the 2017 Honda Civic for the driver examples in the chart.

Out of 10 trims for a 2017 Honda CR-V, the most affordable average car insurance prices are on the EX 2WD model at a cost of $1,334 per year. For the 17 trim options available for the Honda Civic, the most affordable 2017 model to insure is the SI Sedan model at a cost of $1,404.

When insurance rates for all 27 trim levels for both vehicles are compared, the cheapest trim to put coverage on is the Honda CR-V EX 2WD at an average rate of $1,334 per year, and the most expensive trim is the Honda Civic Sport Touring Hatchback at an average cost of $1,912 per year.

The next tables detail the average insurance cost by trim level for both 2017 models, along with an average cost for each model. The 2017 Honda CR-V has cheaper average auto insurance rates than the 2017 Honda Civic.

2016 Honda CR-V vs. Honda Civic

A 2016 Honda CR-V is $236 cheaper to insure per year on average than a 2016 Honda Civic, a difference of 16.1%.

The following chart shows the average insurance cost for both models rated for drivers aged 20 to 50. For a 2016 Honda CR-V, the average cost of car insurance ranges from $1,214 to $2,680 per year for the age groups used in this illustration. Insurance for the 2016 Honda Civic costs from $1,422 to $3,146 on average per year.

For the 12 trims available for the 2016 Honda CR-V, the lowest-cost trim level to insure is the LX 2WD model at an average cost of $1,260 per year, or around $105 per month. For the 10 option levels available for the Honda Civic, the most affordable 2016 trim level to insure is the LX Sedan model at a cost of $1,490.

When comparing combined rates for both models from a trim-level perspective, the most affordable model and trim level to insure is the Honda CR-V LX 2WD at a cost of $1,260 per year, and the most expensive model and trim level is the Honda Civic Touring Coupe at an average cost of $1,682 per year.

The tables below display average car insurance cost by trim level for a 2016 Honda CR-V and Honda Civic, along with an average cost for each model. The 2016 Honda CR-V has more affordable average car insurance than the 2016 Honda Civic.

2015 Honda CR-V vs. Honda Civic

For 2015 Honda CR-V and Honda Civic models, the Honda CR-V has lower-cost car insurance by an average of $158 per year for this model year.

The following chart illustrates the average cost to insure the two models for drivers from ages 20 to 50. For a 2015 Honda CR-V, average insurance prices vary from $1,160 to $2,560 per year for the included driver ages. Car insurance on a 2015 Honda Civic costs from $1,304 to $2,876 on average per year.

Out of 10 trim levels for the 2015 Honda CR-V, the cheapest insurance prices are on the LX 2WD model at a cost of $1,206 per year.

The 2015 Honda Civic has 13 different option levels available, with the most affordable trim level to insure being the LX Sedan trim at an average cost of $1,298 per year.

When comparing rates by trim level for both models, the cheapest model and trim level to insure is the Honda CR-V LX 2WD at an average cost of $1,206 per year, and the overall most expensive vehicle to insure is the Honda Civic SI Coupe at a cost of $1,588 per year.

The tables below illustrate all the available trims for both 2015 models, plus an average rate for each model. The winner for the 2015 car insurance rate comparison is the Honda CR-V.

Additional Honda CR-V and Honda Civic Resources

• Honda CR-V Insurance Cost
• Honda Civic Insurance Cost
• Small SUV Insurance Cost Comparisons
• Small Car Insurance Cost Comparisons