Honda HR-V vs. Toyota C-HR Car Insurance Cost

• A 2022 Toyota C-HR is cheaper to insure than a 2022 Honda HR-V by an average of $148 per year, $1,964 compared to $1,816.
• For a 2022 Honda HR-V, average full-coverage car insurance rates range from $1,894 to $2,028 per year, while auto insurance for a 2022 Toyota C-HR ranges from $1,722 to $1,898.
• When compared to the average cost to insure a car in the U.S. of $2,276 per year, the Honda HR-V costs $312 less per year, while the Toyota C-HR averages $460 less per year.

Is a Honda HR-V or Toyota C-HR cheaper to insure?

For 2022 Honda HR-V and Toyota C-HR models, the model with cheaper average insurance rates is the Toyota C-HR. Insurance on a Honda HR-V costs an average of $1,964 per year, whereas insurance for a Toyota C-HR averages $1,816 per year.

Within each model, however, car insurance cost varies noticeably depending on the trim level being insured.

To illustrate this, on a 2022 Honda HR-V, car insurance rates range from the lowest full-coverage rate of $1,894 per year for the LX model up to the highest rate of $2,028 for the EX-L model.

For the 2022 Toyota C-HR, rates can range from $1,722 per year on the LE model up to $1,898 on the most expensive to insure Limited model.

The table shown below compares and ranks the 12-month and monthly car insurance cost for 2022 Honda HR-V and Toyota C-HR models, showing average premium cost for each trim level.

The next chart displays the average cost to insure both models rated for different driver ages. The average cost of full-coverage insurance ranges from $1,762 to $3,910 per year for the 2022 Honda HR-V, and $1,616 to $3,668 on the 2022 Toyota C-HR for the age groups included in the chart.

Out of four Honda HR-V trim levels, the lowest-cost 2022 trim level to insure is the LX trim at an average cost of $1,894 per year, or $158 per month. The 2022 Toyota C-HR has four different trims available, with the most affordable model to insure being the LE model at an average cost of $1,722 per year.

When average car insurance prices for all eight trims of both models are combined and sorted by cost, the cheapest vehicle to buy insurance for is the Toyota C-HR LE at an average cost of $1,722 per year, and the highest-cost model and trim level is the Honda HR-V EX-L costing $2,028 per year.

The tables shown below display the expected annual car insurance cost by trim level for both 2022 models, along with an average cost for each model. The winner for the 2022 car insurance comparison is the Toyota C-HR.

2021 Honda HR-V vs. Toyota C-HR

When comparing average insurance cost for 2021 models, the Honda HR-V costs an average of $1,866 per year to insure and the Toyota C-HR costs $1,768, making the Toyota C-HR the model with cheaper insurance by $98 for this comparison year.

The rate chart below illustrates the average cost to insure both models rated for a variety of different driver ages. For a 2021 Honda HR-V, the average cost of car insurance ranges from $1,666 to $3,712 per year for the chosen age groups in the chart. Full-coverage car insurance for a 2021 Toyota C-HR ranges from $1,574 to $3,568 on average per year.

Out of nine Honda HR-V trim levels, the cheapest 2021 model to insure is the LX 2WD trim at an average cost of $1,752 per year. For the three trims available for the Toyota C-HR, the most affordable 2021 trim to insure is the LE 2WD model at a cost of $1,680 per year, or $140 per month.

When rates are compared for the 12 different option levels of both 2021 models, the lowest-cost model and trim level to insure is the Toyota C-HR LE 2WD at an average of $1,680 per year, and the most expensive model and trim level is the Honda HR-V Touring AWD at an average of $1,996 per year.

The two tables below show average car insurance rates for each trim level, including the average rate for each model. The 2021 Toyota C-HR has more affordable average car insurance rates than the 2021 Honda HR-V.

2020 Honda HR-V vs. Toyota C-HR

For 2020 Honda HR-V and Toyota C-HR models, the Toyota C-HR has cheaper car insurance rates by $110 per year for this comparison year.

The rate chart below demonstrates the average cost to insure both models rated for multiple driver ages. For the 2020 Honda HR-V, insurance cost ranges from $1,632 to $3,634 per year for the example age groups. Full-coverage insurance for the 2020 Toyota C-HR ranges from $1,530 to $3,468 on average per year.

Out of nine Honda HR-V trim levels, the lowest-cost 2020 model to insure is the LX 2WD trim at an average cost of $1,716 per year. Out of the three option levels available for the Toyota C-HR, the most affordable 2020 model to insure is the LE 2WD trim at a cost of $1,632 per year, or around $136 per month.

When looking at the combined rates by trim level for both models, the cheapest trim to put coverage on is the Toyota C-HR LE 2WD at a cost of $1,632 per year. The overall most expensive vehicle to insure is the Honda HR-V Touring AWD at an average cost of $1,952 per year.

The next two tables show average car insurance rates for each trim level, plus the average rate for each model. The winner for the 2020 car insurance cost comparison is the Toyota C-HR.

2019 Honda HR-V vs. Toyota C-HR

When comparing insurance rates for 2019 models, the Honda HR-V costs an average of $1,690 per year for full coverage and the Toyota C-HR costs $1,482, making the Toyota C-HR the cheaper model to insure by $208.

The rate chart below illustrates the average car insurance cost for the two models rated for different driver ages. Average car insurance cost ranges from $1,516 to $3,368 per year for a 2019 Honda HR-V, and $1,320 to $2,980 for the 2019 Toyota C-HR for the five driver ages sampled in the chart.

Out of nine Honda HR-V trim levels, the lowest-cost 2019 model to insure is the LX 2WD trim at an average cost of $1,596 per year, or $133 per month.

For the three trim options available for a Toyota C-HR, the lowest-cost 2019 trim level to insure is the LE 2WD trim at a cost of $1,422 per year, or around $119 per month.

When comparing both models combined at a trim-level basis, the overall cheapest vehicle to insure is the Toyota C-HR LE 2WD at an average of $1,422 per year. The overall most expensive vehicle to insure is the Honda HR-V Touring AWD at an average of $1,840 per year.

The next two rate tables detail average car insurance cost by trim level for each 2019 model, including the average rate for each model. The model with the cheapest average car insurance rates for 2019 is the Toyota C-HR.

2018 Honda HR-V vs. Toyota C-HR

When comparing average insurance cost for 2018 models, the Honda HR-V costs an average of $1,598 per year for a full-coverage policy and the Toyota C-HR costs $1,448, making the Toyota C-HR the cheaper model to insure by $150 for 2018.

The following chart displays the average cost to insure both models with different drivers at the wheel. For a 2018 Honda HR-V, the average cost of car insurance ranges from $1,434 to $3,174 per year for the chosen age groups in the chart. Insurance on a 2018 Toyota C-HR ranges from $1,290 to $2,906 on average per year.

Out of six trims for the 2018 Honda HR-V, the most affordable average car insurance prices are on the LX 2WD trim at a cost of $1,512 per year, or $126 per month.

Out of the two different trim levels available for the Toyota C-HR, the lowest-cost 2018 model to insure is the XLE 2WD trim at a cost of $1,420 per year, or about $118 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim level to put coverage on is the Toyota C-HR XLE 2WD at a cost of $1,420 per year, and the highest-cost model and trim is the Honda HR-V EX-L Navigation AWD at an average of $1,710 per year.

The tables shown below break down the cost to insure the available trim levels for both 2018 models, along with an average cost for each model. The 2018 Toyota C-HR has more affordable average car insurance rates than the 2018 Honda HR-V.

Additional Honda HR-V and Toyota C-HR Resources

• Honda HR-V Insurance Cost
• Toyota C-HR Insurance Cost
• Small SUV Insurance Cost Comparisons