Honda CR-V vs. HR-V Car Insurance Cost

Does the Honda CR-V or HR-V cost less to insure? Let's compare insurance rates for the 2016 through 2023 model years to get an answer.

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  • A 2023 Honda HR-V is generally cheaper to insure than a 2023 Honda CR-V by an average of $26 per year, $1,534 compared to $1,508.
  • Average car insurance cost per month for the Honda CR-V is 1.6% more expensive than the Honda HR-V, at $128 versus $126, a difference of $2 per month.
  • Out of 47 models in the 2023 small SUV segment, the Honda CR-V ranks 13th and the Honda HR-V ranks 10th for insurance affordability.
  • If affordable car insurance is a must-have, the EX and EX AWD trims are the cheapest Honda CR-V models to insure, while the LX and LX AWD trims are the cheapest Honda HR-V models to insure.

2022 Honda CR-V vs HR-V

When comparing the Honda CR-V and Honda HR-V for the 2023 model year, the cheapest model to insure is the Honda HR-V. Insurance on a Honda CR-V costs an average of $1,534 per year, and insurance for the Honda HR-V averages $1,508 per year.

For the 2023 Honda CR-V, average insurance prices range from around $1,486 per year for the $31,110 EX model up to $1,612 for the $38,600 Sport Touring Hybrid AWD trim.

For the 2023 Honda HR-V, insurance prices can vary from $1,454 annually for the LX model up to $1,554 for the $38,600 EX-L AWD model.

For a 2023 Honda CR-V, the cheapest models are the EX, EX AWD, and Sport Hybrid. The cheapest Honda HR-V models include the LX, LX AWD, and Sport. On a monthly basis, car insurance rates for all 2023 Honda CR-V and Honda HR-V trim levels range from $121 to $134 per month.

The rate chart below demonstrates Honda CR-V and Honda HR-V car insurance rates for the 2023 model year, grouped for drivers age 20 to 50.

2023 Honda CR-V vs Honda HR-V Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,454$121
$1,484$124
$1,486$124
$1,492$124
$1,496$125
$1,510$126
$1,520$127
$1,530$128
$1,536$128
$1,540$128
$1,554$130
$1,564$130
$1,612$134

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Honda CR-V and a 2023 Honda HR-V. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
2023 Honda CR-V vs Honda HR-V Insurance Cost by Trim Level

The chart shown below shows the average cost to insure both models for different driver ages. For a 2023 Honda CR-V, average car insurance cost ranges from $1,400 to $3,070 per year for the illustrated age groups. A 2023 Honda HR-V costs from $1,374 to $2,952 to insure per year.

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Chart Data Details: Average insurance rates are for a 2023 Honda CR-V and a 2023 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 11, 2023
2023 Honda CR-V vs. 2023 Honda HR-V Insurance Cost
2023 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$3,070$1,616$1,534$1,400
Honda HR-V$2,952$1,562$1,508$1,374

When average insurance prices for all 13 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Honda HR-V LX at a cost of $1,454 per year, and the highest-cost model and trim level is the Honda CR-V Sport Touring Hybrid AWD costing $1,612 per year.

The two tables below show the cost to insure the available trim levels for both 2023 models, as well as the overall average rate for each model. The model with the cheapest overall car insurance cost for 2023 is the Honda HR-V.

2023 Honda CR-V

$1,534

Insurance Rates by Trim Level for 2023 Honda CR-V
2023 Honda CR-V TrimsRate
EX$1,486
EX AWD1,492
Sport Hybrid1,510
EX-L1,536
Sport Hybrid AWD1,540
EX-L AWD1,564
Sport Touring Hybrid AWD1,612
2023 Honda CR-V Average Rate$1,534

2023 Honda HR-V

$1,508

Insurance Rates by Trim Level for 2023 Honda CR-V
2023 Honda HR-V TrimsRate
LX$1,454
LX AWD1,484
Sport1,496
Sport AWD1,520
EX-L1,530
EX-L AWD1,554
2023 Honda HR-V Average Rate$1,508

2022 Honda CR-V vs. HR-V

For the 2022 Honda CR-V and HR-V models, the Honda CR-V has cheaper car insurance cost by an average of $48 per year for this model year.

The rate chart below visualizes the average cost to insure the two models rated for multiple driver ages. For a 2022 Honda CR-V, the average car insurance cost ranges from $1,358 to $2,972 per year for the illustrated age groups. A 2022 Honda HR-V costs from $1,398 to $3,014 to insure per year.

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Chart Data Details: Average insurance rates are for a 2022 Honda CR-V and a 2022 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2022 Honda CR-V vs. 2022 Honda HR-V Insurance Cost
2022 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,972$1,566$1,486$1,358
Honda HR-V$3,014$1,592$1,534$1,398

The 2022 Honda CR-V has eight trim levels available, with the cheapest trim level to insure being the LX model at an average cost of $1,400 per year, or $117 per month. For the four trims available for the Honda HR-V, the cheapest 2022 trim level to insure is the LX model at a cost of $1,480.

When all 12 trims of both models are combined and compared, the most affordable model and trim level to insure is the Honda CR-V LX at an average cost of $1,400 per year, and the most expensive trim is the Honda CR-V Hybrid Touring costing an average of $1,586 per year.

The tables shown below display trim level insurance cost averages for both 2022 models, including an overall average cost for each model. The winner for the 2022 car insurance rate comparison is the Honda CR-V.

2022 Honda CR-V

$1,486

Insurance Rates by Trim Level for 2022 Honda CR-V
2022 Honda CR-V TrimsRate
LX$1,400
Special Edition1,408
EX1,414
Hybrid EX1,482
EX-L1,502
Hybrid EX-L1,534
Touring1,570
Hybrid Touring1,586
2022 Honda CR-V Average Rate$1,486

2022 Honda HR-V

$1,534

Insurance Rates by Trim Level for 2022 Honda CR-V
2022 Honda HR-V TrimsRate
LX$1,480
Sport1,532
EX1,544
EX-L1,584
2022 Honda HR-V Average Rate$1,534

2021 Honda CR-V vs. HR-V

For the 2021 Honda CR-V and Honda HR-V models, the Honda CR-V has cheaper car insurance rates by an average of $118 per year for this comparison year.

The rate chart below shows the average cost to insure both models using different driver ages. Insurance cost ranges from $1,222 to $2,662 per year for a 2021 Honda CR-V, and $1,328 to $2,862 for a 2021 Honda HR-V for the example age groups.

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Chart Data Details: Average insurance rates are for a 2021 Honda CR-V and a 2021 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2021 Honda CR-V vs. 2021 Honda HR-V Insurance Cost
2021 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,662$1,410$1,338$1,222
Honda HR-V$2,862$1,516$1,456$1,328

Out of eight Honda CR-V trims, the cheapest 2021 trim to insure is the EX 2WD trim at an average cost of $1,258 per year, or about $105 per month.

For the nine trims available for the Honda HR-V, the cheapest 2021 trim to insure is the LX 2WD model at a cost of $1,370.

When insurance prices for all 17 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 rate of $1,258 per year. The most expensive vehicle to insure is the Honda HR-V Touring AWD at an average cost of $1,554 per year.

The next tables illustrate the cost to insure the available trim levels for both 2021 models, as well as an average rate for each model. The 2021 Honda CR-V wins the head-to-head comparison over the 2021 Honda HR-V for cheapest overall car insurance cost.

2021 Honda CR-V

$1,338

Insurance Rates by Trim Level for 2021 Honda CR-V
2021 Honda CR-V TrimsRate
EX 2WD$1,258
LX 2WD1,258
LX 4WD1,292
EX 4WD1,306
EX-L 2WD1,356
EX-L 4WD1,356
Touring 2WD1,420
Touring 4WD1,456
2021 Honda CR-V Average Rate$1,338

2021 Honda HR-V

$1,456

Insurance Rates by Trim Level for 2021 Honda CR-V
2021 Honda HR-V TrimsRate
LX 2WD$1,370
EX 2WD1,418
LX AWD1,418
Sport 2WD1,418
EX AWD1,470
EX-L 2WD1,470
Sport AWD1,470
EX-L AWD1,520
Touring AWD1,554
2021 Honda HR-V Average Rate$1,456

2020 Honda CR-V vs. HR-V

For 2020 Honda CR-V and Honda HR-V models, the Honda CR-V has lower-cost car insurance by an average of $122 per year.

The rate chart below demonstrates the average cost to insure both 2020 models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $1,204 to $2,628 per year for a 2020 Honda CR-V, and $1,312 to $2,832 for a 2020 Honda HR-V for the included age groups.

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Chart Data Details: Average insurance rates are for a 2020 Honda CR-V and a 2020 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2020 Honda CR-V vs. 2020 Honda HR-V Insurance Cost
2020 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,628$1,388$1,316$1,204
Honda HR-V$2,832$1,496$1,438$1,312

For the eight trim levels available for the 2020 Honda CR-V, the cheapest trim level to insure is the EX 2WD model at an average cost of $1,238 per year. For the nine trims available for the Honda HR-V, the cheapest 2020 model to insure is the LX 2WD trim at a cost of $1,352 per year, or around $113 per month.

When rates for all 17 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Honda CR-V EX 2WD at a cost of $1,238 per year. The overall most expensive vehicle to insure is the Honda HR-V Touring AWD at an average cost of $1,534 per year.

The tables shown below illustrate all the available trims for both 2020 models, plus the average rate for each model. The 2020 Honda CR-V reigns victorious over the 2020 Honda HR-V for cheapest car insurance cost.

2020 Honda CR-V

$1,316

Insurance Rates by Trim Level for 2020 Honda CR-V
2020 Honda CR-V TrimsRate
EX 2WD$1,238
LX 2WD1,238
LX 4WD1,272
EX 4WD1,286
EX-L 2WD1,336
EX-L 4WD1,336
Touring 2WD1,400
Touring 4WD1,434
2020 Honda CR-V Average Rate$1,316

2020 Honda HR-V

$1,438

Insurance Rates by Trim Level for 2020 Honda CR-V
2020 Honda HR-V TrimsRate
LX 2WD$1,352
EX 2WD1,402
LX AWD1,402
Sport 2WD1,402
EX AWD1,452
EX-L 2WD1,452
Sport AWD1,452
EX-L AWD1,500
Touring AWD1,534
2020 Honda HR-V Average Rate$1,438

2019 Honda CR-V vs. HR-V

For the 2019 Honda CR-V and Honda HR-V models, the Honda CR-V is cheaper to insure by an average of $118 per year.

The chart shown below illustrates the average cost to insure the two models with different ages of drivers. For a 2019 Honda CR-V, insurance cost ranges from $1,126 to $2,450 per year. A 2019 Honda HR-V costs from $1,232 to $2,658 to insure per year.

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Chart Data Details: Average insurance rates are for a 2019 Honda CR-V and a 2019 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2019 Honda CR-V vs. 2019 Honda HR-V Insurance Cost
2019 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,450$1,298$1,234$1,126
Honda HR-V$2,658$1,400$1,352$1,232

Out of eight trims for the 2019 Honda CR-V, the cheapest insurance prices are on the EX 2WD trim at a cost of $1,174 per year.

Out of the nine trim levels available for the Honda HR-V, the cheapest 2019 model to insure is the LX 2WD model at a cost of $1,278 per year, or $107 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest trim to insure is the Honda CR-V EX 2WD at an average rate of $1,174 per year, and the most expensive trim is the Honda HR-V Touring AWD costing $1,468 per year.

The tables below illustrate the cost to insure the available trim levels for both 2019 models, including the average rate for each model. The winner for the 2019 car insurance comparison is the Honda CR-V.

2019 Honda CR-V

$1,234

Insurance Rates by Trim Level for 2019 Honda CR-V
2019 Honda CR-V TrimsRate
EX 2WD$1,174
LX 2WD1,174
LX 4WD1,174
EX 4WD1,222
EX-L 2WD1,222
EX-L 4WD1,268
Touring 2WD1,268
Touring 4WD1,362
2019 Honda CR-V Average Rate$1,234

2019 Honda HR-V

$1,352

Insurance Rates by Trim Level for 2019 Honda CR-V
2019 Honda HR-V TrimsRate
LX 2WD$1,278
LX AWD1,278
EX 2WD1,326
Sport 2WD1,326
Sport AWD1,326
EX AWD1,372
EX-L 2WD1,372
EX-L AWD1,420
Touring AWD1,468
2019 Honda HR-V Average Rate$1,352

2018 Honda CR-V vs. HR-V

For 2018 Honda CR-V and Honda HR-V models, the Honda CR-V has cheaper car insurance rates by an average of $88 per year for this comparison year.

The chart below illustrates the average cost to insure both models for the 20 to 50-year-old driver age groups. For a 2018 Honda CR-V, average car insurance cost ranges from $1,104 to $2,402 per year for the included driver ages. A 2018 Honda HR-V costs from $1,184 to $2,554 to insure per year.

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Chart Data Details: Average insurance rates are for a 2018 Honda CR-V and a 2018 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2018 Honda CR-V vs. 2018 Honda HR-V Insurance Cost
2018 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,402$1,268$1,208$1,104
Honda HR-V$2,554$1,340$1,296$1,184

For the 10 trims available for the 2018 Honda CR-V, the cheapest trim level to insure is the EX 2WD model at an average cost of $1,146 per year, or about $96 per month. For the six trim levels available for the Honda HR-V, the cheapest 2018 trim to insure is the LX 2WD trim at a cost of $1,228 per year, or $102 per month.

When rates are compared for the 16 trim levels of both 2018 models, the overall cheapest vehicle to insure is the Honda CR-V EX 2WD at an average rate of $1,146 per year, and the highest-cost model and trim level is the Honda HR-V EX-L Navigation AWD at an average of $1,388 per year.

The next two rate tables show average car insurance cost by trim level for each 2018 model, including an overall average cost for each model. The cheapest model to insure for the 2018 model year is the Honda CR-V.

2018 Honda CR-V

$1,208

Insurance Rates by Trim Level for 2018 Honda CR-V
2018 Honda CR-V TrimsRate
EX 2WD$1,146
LX 2WD1,146
LX 4WD1,146
EX 4WD1,190
EX-L 2WD1,190
EX-L 4WD1,236
EX-L Navigation 2WD1,236
EX-L Navigation 4WD1,236
Touring 2WD1,236
Touring 4WD1,326
2018 Honda CR-V Average Rate$1,208

2018 Honda HR-V

$1,296

Insurance Rates by Trim Level for 2018 Honda CR-V
2018 Honda HR-V TrimsRate
LX 2WD$1,228
LX AWD1,252
EX 2WD1,274
EX AWD1,296
EX-L Navigation 2WD1,342
EX-L Navigation AWD1,388
2018 Honda HR-V Average Rate$1,296

2017 Honda CR-V vs. HR-V

When comparing car insurance rates for 2017 models, the Honda CR-V costs an average of $1,158 per year to insure and the Honda HR-V costs $1,252, making the Honda CR-V the winner by $94.

The rate chart below illustrates the average cost to insure the two models with different driver age groups. For a 2017 Honda CR-V, average car insurance cost ranges from $1,060 to $2,298 per year for the included driver ages. A 2017 Honda HR-V costs from $1,142 to $2,462 to insure per year.

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Chart Data Details: Average insurance rates are for a 2017 Honda CR-V and a 2017 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 11, 2023
2017 Honda CR-V vs. 2017 Honda HR-V Insurance Cost
2017 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,298$1,216$1,158$1,060
Honda HR-V$2,462$1,290$1,252$1,142

Out of 10 Honda CR-V trims, the cheapest 2017 trim level to insure is the EX 2WD trim at an average cost of $1,102 per year, or $92 per month. For the six trims available for the Honda HR-V, the cheapest 2017 trim to insure is the LX 2WD trim at a cost of $1,174 per year, or $98 per month.

When rates for all 16 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Honda CR-V EX 2WD at an average rate of $1,102 per year, and the overall most expensive vehicle to insure is the Honda HR-V EX-L Navigation AWD at a cost of $1,342 per year.

The next two tables show all the available trims for both 2017 models, as well as the overall average rate for each model. The cheapest model to insure for the 2017 model year is the Honda CR-V.

2017 Honda CR-V

$1,158

Insurance Rates by Trim Level for 2017 Honda CR-V
2017 Honda CR-V TrimsRate
EX 2WD$1,102
EX 4WD1,102
LX 2WD1,102
LX 4WD1,102
EX-L 2WD1,144
EX-L 4WD1,186
EX-L Navigation 2WD1,186
EX-L Navigation 4WD1,186
Touring 2WD1,186
Touring 4WD1,272
2017 Honda CR-V Average Rate$1,158

2017 Honda HR-V

$1,252

Insurance Rates by Trim Level for 2017 Honda CR-V
2017 Honda HR-V TrimsRate
LX 2WD$1,174
EX 2WD1,216
LX AWD1,216
EX AWD1,260
EX-L Navigation 2WD1,302
EX-L Navigation AWD1,342
2017 Honda HR-V Average Rate$1,252

2016 Honda CR-V vs. HR-V

When comparing insurance cost for the 2016 Honda CR-V and Honda HR-V models, the Honda CR-V is cheaper by an average of $86 per year.

The next chart visualizes the average cost to insure both models using drivers aged 20 to 50. For a 2016 Honda CR-V, insurance cost ranges from $1,048 to $2,262 per year for the illustrated age groups. A 2016 Honda HR-V costs from $1,124 to $2,434 to insure per year.

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Chart Data Details: Average insurance rates are for a 2016 Honda CR-V and a 2016 Honda HR-V with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda CR-V and Honda HR-V trim levels.Data last updated on August 12, 2023
2016 Honda CR-V vs. 2016 Honda HR-V Insurance Cost
2016 Honda CR-V vs. Honda HR-V Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda CR-V$2,262$1,192$1,144$1,048
Honda HR-V$2,434$1,268$1,230$1,124

For the 12 trim levels available for the 2016 Honda CR-V, the cheapest model to insure is the LX 2WD trim at an average cost of $1,072 per year, or around $89 per month.

The 2016 Honda HR-V has six trims available, with the cheapest trim level to insure being the LX 2WD trim at an average cost of $1,164 per year, or about $97 per month.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Honda CR-V LX 2WD at an average rate of $1,072 per year, and the most expensive trim is the Honda HR-V EX-L Navigation AWD costing an average of $1,284 per year.

The next two tables show trim level insurance rates for each 2016 model, including an overall average cost for each model.

2016 Honda CR-V

$1,144

Insurance Rates by Trim Level for 2016 Honda CR-V
2016 Honda CR-V TrimsRate
LX 2WD$1,072
EX 2WD1,112
EX 4WD1,112
LX 4WD1,112
SE 2WD1,112
SE 4WD1,112
EX-L 2WD1,152
EX-L 4WD1,152
EX-L Navigation 2WD1,152
EX-L Navigation 4WD1,192
Touring 2WD1,192
Touring 4WD1,272
2016 Honda CR-V Average Rate$1,144

2016 Honda HR-V

$1,230

Insurance Rates by Trim Level for 2016 Honda CR-V
2016 Honda HR-V TrimsRate
LX 2WD$1,164
EX 2WD1,204
LX AWD1,204
EX AWD1,244
EX-L Navigation 2WD1,284
EX-L Navigation AWD1,284
2016 Honda HR-V Average Rate$1,230

Additional Honda CR-V and Honda HR-V Resources