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

Is a Honda HR-V or a Toyota C-HR more affordable to insure? We examine the cost of car insurance for a Honda HR-V and a Toyota C-HR back to 2018 to see which model costs the least to insure.

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  • A 2022 Toyota C-HR is cheaper to insure than a 2022 Honda HR-V by an average of $124 per year, $1,492 compared to $1,368.
  • For a 2022 Honda HR-V, average full-coverage car insurance rates range from $1,438 to $1,540 per year, while auto insurance for a 2022 Toyota C-HR ranges from $1,296 to $1,436.
  • When compared to the average cost to insure a car in the U.S. of $1,685 per year, the Honda HR-V costs $193 less per year, while the Toyota C-HR averages $317 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 $1,492 per year, whereas insurance for a Toyota C-HR averages $1,368 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 $1,438 per year for the LX model up to the highest rate of $1,540 for the EX-L model.

For the 2022 Toyota C-HR, rates can range from $1,296 per year on the LE model up to $1,436 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.

2022 Honda HR-V vs Toyota C-HR Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,296$108
$1,344$112
$1,396$116
$1,436$120
$1,438$120
$1,488$124
$1,498$125
$1,540$128

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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 2022 Honda HR-V and a 2022 Toyota C-HR. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
2022 Honda HR-V vs Toyota C-HR Insurance Cost by 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 $1,362 to $2,936 per year for the 2022 Honda HR-V, and $1,250 to $2,718 on the 2022 Toyota C-HR for the age groups included in the chart.

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Chart Data Details: Average insurance rates are for a 2022 Honda HR-V and a 2022 Toyota C-HR 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 HR-V and Toyota C-HR trim levels.Data last updated on December 30, 2022
2022 Honda HR-V vs. 2022 Toyota C-HR Insurance Cost
2022 Honda HR-V vs. Toyota C-HR Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda HR-V$2,936$1,552$1,492$1,362
Toyota C-HR$2,718$1,434$1,368$1,250

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 $1,438 per year, or $120 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 $1,296 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 $1,296 per year, and the highest-cost model and trim level is the Honda HR-V EX-L costing $1,540 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.

2022 Honda HR-V

$1,492

Insurance Rates by Trim Level for 2022 Honda HR-V
2022 Honda HR-V TrimsRate
LX$1,438
Sport1,488
EX1,498
EX-L1,540
2022 Honda HR-V Average Rate$1,492

2022 Toyota C-HR

$1,368

Insurance Rates by Trim Level for 2022 Honda HR-V
2022 Toyota C-HR TrimsRate
LE$1,296
XLE1,344
Nightshade Edition1,396
Limited1,436
2022 Toyota C-HR Average Rate$1,368

2021 Honda HR-V vs. Toyota C-HR

When comparing average insurance cost for 2021 models, the Honda HR-V costs an average of $1,418 per year to insure and the Toyota C-HR costs $1,338, making the Toyota C-HR the model with cheaper insurance by $80 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 $1,292 to $2,788 per year for the chosen age groups in the chart. Full-coverage car insurance for a 2021 Toyota C-HR ranges from $1,222 to $2,664 on average per year.

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Chart Data Details: Average insurance rates are for a 2021 Honda HR-V and a 2021 Toyota C-HR 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 HR-V and Toyota C-HR trim levels.Data last updated on December 30, 2022
2021 Honda HR-V vs. 2021 Toyota C-HR Insurance Cost
2021 Honda HR-V vs. Toyota C-HR Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda HR-V$2,788$1,480$1,418$1,292
Toyota C-HR$2,664$1,400$1,338$1,222

Out of nine Honda HR-V trim levels, the cheapest 2021 model to insure is the LX 2WD trim at an average cost of $1,334 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 $1,272 per year, or $106 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 $1,272 per year, and the most expensive model and trim level is the Honda HR-V Touring AWD at an average of $1,516 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.

2021 Honda HR-V

$1,418

Insurance Rates by Trim Level for 2021 Honda HR-V
2021 Honda HR-V TrimsRate
LX 2WD$1,334
EX 2WD1,382
LX AWD1,382
Sport 2WD1,382
EX AWD1,430
EX-L 2WD1,430
Sport AWD1,430
EX-L AWD1,480
Touring AWD1,516
2021 Honda HR-V Average Rate$1,418

2021 Toyota C-HR

$1,338

Insurance Rates by Trim Level for 2021 Honda HR-V
2021 Toyota C-HR TrimsRate
LE 2WD$1,272
XLE 2WD1,320
Limited 2WD1,420
2021 Toyota C-HR Average Rate$1,338

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 $78 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 $1,276 to $2,758 per year for the example age groups. Full-coverage insurance for the 2020 Toyota C-HR ranges from $1,206 to $2,632 on average per year.

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Chart Data Details: Average insurance rates are for a 2020 Honda HR-V and a 2020 Toyota C-HR 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 HR-V and Toyota C-HR trim levels.Data last updated on December 30, 2022
2020 Honda HR-V vs. 2020 Toyota C-HR Insurance Cost
2020 Honda HR-V vs. Toyota C-HR Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda HR-V$2,758$1,462$1,400$1,276
Toyota C-HR$2,632$1,382$1,322$1,206

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 $1,316 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 $1,256 per year, or around $105 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 $1,256 per year. The overall most expensive vehicle to insure is the Honda HR-V Touring AWD at an average cost of $1,494 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.

2020 Honda HR-V

$1,400

Insurance Rates by Trim Level for 2020 Honda HR-V
2020 Honda HR-V TrimsRate
LX 2WD$1,316
EX 2WD1,364
LX AWD1,364
Sport 2WD1,364
EX AWD1,412
EX-L 2WD1,412
Sport AWD1,412
EX-L AWD1,460
Touring AWD1,494
2020 Honda HR-V Average Rate$1,400

2020 Toyota C-HR

$1,322

Insurance Rates by Trim Level for 2020 Honda HR-V
2020 Toyota C-HR TrimsRate
LE 2WD$1,256
XLE 2WD1,304
Limited 2WD1,400
2020 Toyota C-HR Average Rate$1,322

2019 Honda HR-V vs. Toyota C-HR

When comparing insurance rates for 2019 models, the Honda HR-V costs an average of $1,316 per year for full coverage and the Toyota C-HR costs $1,146, making the Toyota C-HR the cheaper model to insure by $170.

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 $1,200 to $2,588 per year for a 2019 Honda HR-V, and $1,048 to $2,272 for the 2019 Toyota C-HR for the five driver ages sampled in the chart.

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Chart Data Details: Average insurance rates are for a 2019 Honda HR-V and a 2019 Toyota C-HR 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 HR-V and Toyota C-HR trim levels.Data last updated on December 30, 2022
2019 Honda HR-V vs. 2019 Toyota C-HR Insurance Cost
2019 Honda HR-V vs. Toyota C-HR Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda HR-V$2,588$1,368$1,316$1,200
Toyota C-HR$2,272$1,202$1,146$1,048

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 $1,244 per year, or $104 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 $1,102 per year, or around $92 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 $1,102 per year. The overall most expensive vehicle to insure is the Honda HR-V Touring AWD at an average of $1,428 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.

2019 Honda HR-V

$1,316

Insurance Rates by Trim Level for 2019 Honda HR-V
2019 Honda HR-V TrimsRate
LX 2WD$1,244
LX AWD1,244
EX 2WD1,290
Sport 2WD1,290
Sport AWD1,290
EX AWD1,338
EX-L 2WD1,338
EX-L AWD1,382
Touring AWD1,428
2019 Honda HR-V Average Rate$1,316

2019 Toyota C-HR

$1,146

Insurance Rates by Trim Level for 2019 Honda HR-V
2019 Toyota C-HR TrimsRate
LE 2WD$1,102
XLE 2WD1,146
Limited 2WD1,192
2019 Toyota C-HR Average Rate$1,146

2018 Honda HR-V vs. Toyota C-HR

When comparing average insurance cost for 2018 models, the Honda HR-V costs an average of $1,262 per year for a full-coverage policy and the Toyota C-HR costs $1,138, making the Toyota C-HR the cheaper model to insure by $124 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 $1,150 to $2,486 per year for the chosen age groups in the chart. Insurance on a 2018 Toyota C-HR ranges from $1,042 to $2,262 on average per year.

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Chart Data Details: Average insurance rates are for a 2018 Honda HR-V and a 2018 Toyota C-HR 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 HR-V and Toyota C-HR trim levels.Data last updated on December 29, 2022
2018 Honda HR-V vs. 2018 Toyota C-HR Insurance Cost
2018 Honda HR-V vs. Toyota C-HR Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda HR-V$2,486$1,310$1,262$1,150
Toyota C-HR$2,262$1,194$1,138$1,042

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 $1,196 per year, or $100 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 $1,114 per year, or about $93 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 $1,114 per year, and the highest-cost model and trim is the Honda HR-V EX-L Navigation AWD at an average of $1,348 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.

2018 Honda HR-V

$1,262

Insurance Rates by Trim Level for 2018 Honda HR-V
2018 Honda HR-V TrimsRate
LX 2WD$1,196
LX AWD1,218
EX 2WD1,238
EX AWD1,262
EX-L Navigation 2WD1,306
EX-L Navigation AWD1,348
2018 Honda HR-V Average Rate$1,262

2018 Toyota C-HR

$1,138

Insurance Rates by Trim Level for 2018 Honda HR-V
2018 Toyota C-HR TrimsRate
XLE 2WD$1,114
XLE Premium 2WD1,160
2018 Toyota C-HR Average Rate$1,138

Additional Honda HR-V and Toyota C-HR Resources