Toyota RAV4 vs. Honda CR-V Insurance – Which Costs Less?

• For the 2024 model year, a Honda CR-V costs less to insure than a Toyota RAV4 by an average of $166 per year.
• For a 2024 Toyota RAV4, insurance rates range from $1,954 to $2,608 per year, while insurance for a 2024 Honda CR-V ranges from $1,942 to $2,160.
• Average car insurance cost per month for the Toyota RAV4 is 7.3% more expensive than the Honda CR-V, at $184 versus $171, a difference of $13.
• Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th and the Honda CR-V ranks 12^th for cheapest car insurance cost.

Is Toyota RAV4 or Honda CR-V insurance cheaper?

Car insurance for a 2024 Toyota RAV4 averages $2,212 per year, and a 2024 Honda CR-V averages $2,046 per year, making the Honda CR-V the cheapest to insure.

For the 19 trim levels available for the 2024 Toyota RAV4, the cheapest trim to insure is the LE AWD model at an average cost of $1,954 per year. For the nine trim levels available for the Honda CR-V, the cheapest 2024 model to insure is the LX model at a cost of $1,942.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to insure is the Honda CR-V LX at an average rate of $1,942 per year. The most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,608 per year.

The next table compares and ranks the annual and monthly cost of car insurance for 2024 Toyota RAV4 and Honda CR-V models, with average cost for each trim level.

The chart shown below demonstrates the average cost to insure both models using different driver ages. For a 2024 Toyota RAV4, the average cost of car insurance ranges from $1,966 to $4,448 per year for the included age groups. A 2024 Honda CR-V costs from $1,814 to $4,112 to insure per year.

The next two tables show the cost to insure the available trim levels for both 2024 models, plus an average rate for each model.

2023 Toyota RAV4 vs. Honda CR-V

Car insurance for a 2023 Toyota RAV4 averages $2,162 per year, while a 2023 Honda CR-V averages $1,976 per year, making the Honda CR-V the winner with the cheapest average insurance rates.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Honda CR-V EX at a cost of $1,914 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $2,424 per year.

For a 2023 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Honda CR-V models include the EX, EX AWD, and Sport Hybrid. Average car insurance rates for all 2023 Toyota RAV4 and Honda CR-V trim levels range from $160 to $202 per month.

The rate table below ranks the 12-month and monthly car insurance cost for 2023 Toyota RAV4 and Honda CR-V models, broken down by individual trim level.

The rate chart below demonstrates the average cost to insure the two models rated for a variety of different driver ages.

Average car insurance cost ranges from $1,916 to $4,354 per year for a 2023 Toyota RAV4, and $1,754 to $4,014 for a 2023 Honda CR-V for the age groups used in this illustration.

Out of 19 Toyota RAV4 trim levels, the cheapest 2023 trim level to insure is the LE 2WD model at an average cost of $1,940 per year. For the seven trims available for the Honda CR-V, the cheapest 2023 trim level to insure is the EX model at a cost of $1,914.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Honda CR-V EX at an average of $1,914 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD costing an average of $2,424 per year.

The next two tables illustrate both 2023 models and all trim levels available for each one, plus an average rate for each model. The 2023 Honda CR-V wins out over the 2023 Toyota RAV4 for cheapest car insurance cost.

2022 Toyota RAV4 vs. Honda CR-V

For 2022 Toyota RAV4 and Honda CR-V models, the model with the cheapest average insurance rates is the Honda CR-V. Insurance cost for the Toyota RAV4 averages $2,066 per year, whereas insurance for the Honda CR-V averages $1,918 per year.

Auto insurance cost varies greatly depending on the vehicle trim level, however.

For a 2022 Toyota RAV4, average insurance rates range from $1,912 per year for the LE 2WD model up to $2,234 for the Prime XSE AWD model.

For a 2022 Honda CR-V, rates can range from $1,802 per year for the LX model up to $2,046 for the Hybrid Touring model.

When comparing rates by trim level for both models, the cheapest vehicle to insure is the Honda CR-V LX at a cost of $1,802 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $2,234 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Honda CR-V models include the LX, Special Edition, and EX. Insurance rates for all 2022 Toyota RAV4 and Honda CR-V models and trims range from $150 to $186 per month.

The rate table below compares and ranks the cost of car insurance for 2022 Toyota RAV4 and Honda CR-V models, showing average premium cost for each trim level.

The bar chart below shows average annual Toyota RAV4 insurance cost compared to Honda CR-V insurance cost for the 2022 model year based on different driver ages.

How does insurance cost for a 2022 Toyota RAV4 compare to a Honda CR-V?

• A high deductible policy could save as much as $326 per year for the Toyota RAV4 and $294 for the Honda CR-V.
• For a 17-year-old driver, insurance on a Toyota RAV4 costs an average of $7,173 per year and Honda CR-V insurance costs an average of $6,713 per year, a difference of $460 per year.
• For an 18-year-old driver, insurance on a Toyota RAV4 costs an average of $6,427 per year and Honda CR-V insurance costs an average of $5,986 per year, a difference of $441 per year.
• Being a safe driver could earn a discount of around $264 for the Toyota RAV4 and $244 for the Honda CR-V.
• Getting a minor traffic violation could increase average rates as much as $552 per year for the Toyota RAV4 and $514 for the Honda CR-V.
• The Toyota RAV4 costs more to insure than the Honda CR-V for all model years since 2015.
• When compared to the national average car insurance rate of $2,276 per year, the Toyota RAV4 costs $210 less per year, while the Honda CR-V costs $358 less per year.
• For a 16-year-old driver, insurance on a Toyota RAV4 costs an average of $7,403 per year and Honda CR-V insurance costs an average of $6,943 per year, a difference of $460 per year.
• A low deductible policy could cost up to $640 more per year for the Toyota RAV4 and $572 for the Honda CR-V.

The tables below detail insurance rates for all trim levels of 2022 RAV4 and CR-V models. The 2022 Toyota RAV4 insurance rate averages $2,066 and the 2022 Honda CR-V is $1,918, making the Honda CR-V cheaper by $148 per year.

2021 Toyota RAV4 vs. Honda CR-V

When comparing insurance rates for 2021 models, a Toyota RAV4 costs an average of $2,068 per year to insure and a Honda CR-V costs $1,730, making the Honda CR-V cheaper to insure by $338 per year.

The next chart visualizes the average cost to insure both models using drivers aged 20 to 50. The average cost of car insurance ranges from $1,838 to $4,168 per year for a 2021 Toyota RAV4, and $1,534 to $3,488 for a 2021 Honda CR-V for the example age groups.

The 2021 Toyota RAV4 has 12 trim levels available, with the cheapest trim level to insure being the LE 2WD trim at an average cost of $1,890 per year.

Out of the eight trims available for the Honda CR-V, the cheapest 2021 trim level to insure is the EX 2WD trim at a cost of $1,622.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Honda CR-V EX 2WD at an average rate of $1,622 per year, and the most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,200 per year.

The rate tables below show average car insurance cost by trim level for a 2021 Toyota RAV4 and Honda CR-V, as well as the overall average rate for each model. The cheapest to insure for the 2021 model year is the Honda CR-V.

2020 Toyota RAV4 vs Honda CR-V

For the 2020 Toyota RAV4 and Honda CR-V models, the Honda CR-V has cheaper car insurance rates by an average of $330 per year.

The next chart shows the average cost to insure both 2020 models with different drivers at the wheel. For a 2020 Toyota RAV4, insurance cost ranges from $1,786 to $4,050 per year for the example age groups. A 2020 Honda CR-V costs from $1,486 to $3,382 to insure per year.

Out of 12 trims for the 2020 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,840 per year. The 2020 Honda CR-V has eight trim levels available, with the cheapest model to insure being the EX 2WD trim at an average cost of $1,574 per year, or $131 per month.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Honda CR-V EX 2WD at an average rate of $1,574 per year. The most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average of $2,136 per year.

The next two tables display average car insurance cost by trim level for a 2020 Toyota RAV4 and Honda CR-V, plus an average rate for each model.

2019 Toyota RAV4 vs Honda CR-V

When comparing insurance rates for 2019 models, a Toyota RAV4 costs an average of $1,886 per year to insure and a Honda CR-V costs $1,560, making the Honda CR-V cheaper to insure by $326 per year for this comparison year.

The chart below displays the average cost to insure both 2019 models using drivers aged 20 to 50. For a 2019 Toyota RAV4, average car insurance cost ranges from $1,678 to $3,790 per year for the included age groups. A 2019 Honda CR-V costs from $1,386 to $3,134 to insure per year.

Out of 13 Toyota RAV4 trim levels, the cheapest 2019 model to insure is the LE 2WD model at an average cost of $1,742 per year, or around $145 per month. Out of the eight trim levels available for the Honda CR-V, the cheapest 2019 trim level to insure is the EX 2WD model at a cost of $1,482 per year, or $124 per month.

When rates for all 21 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Honda CR-V EX 2WD at an average cost of $1,482 per year. The highest-cost model and trim is the Toyota RAV4 Limited 4WD costing an average of $1,986 per year.

The two tables below display the average cost to insure all 2019 trim levels, along with an average cost for each model.

2018 Toyota RAV4 vs Honda CR-V

For the 2018 Toyota RAV4 and Honda CR-V models, the Honda CR-V has cheaper car insurance cost by an average of $294 per year.

The next chart illustrates the average cost to insure both models with different drivers at the wheel. Average insurance cost ranges from $1,598 to $3,604 per year for a 2018 Toyota RAV4, and $1,334 to $3,010 for a 2018 Honda CR-V for the included driver ages.

Out of 16 Toyota RAV4 trim levels, the cheapest 2018 trim level to insure is the LE 2WD model at an average cost of $1,676 per year, or $140 per month. The 2018 Honda CR-V has 10 trim levels available, with the cheapest model to insure being the EX 2WD model at an average cost of $1,420 per year, or about $118 per month.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to insure is the Honda CR-V EX 2WD at an average of $1,420 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum 4WD costing an average of $1,962 per year.

The next two tables show the cost to insure the available trim levels for both 2018 models, plus an average rate for each model. The 2018 Honda CR-V takes the trophy over the 2018 Toyota RAV4 for cheapest car insurance rates.

2017 Toyota RAV4 vs Honda CR-V

For the 2017 Toyota RAV4 and Honda CR-V models, the Honda CR-V has cheaper car insurance rates by an average of $316 per year for 2017.

The chart below displays the average cost to insure both models rated for drivers aged 20 to 50. Average car insurance cost ranges from $1,568 to $3,524 per year for a 2017 Toyota RAV4, and $1,282 to $2,882 for a 2017 Honda CR-V for the example age groups.

The 2017 Toyota RAV4 has 12 trim levels available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,618 per year, or about $135 per month. For the 10 trims available for the Honda CR-V, the cheapest 2017 trim to insure is the EX 2WD trim at a cost of $1,366.

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 $1,366 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD at an average of $1,888 per year.

The two tables below display average car insurance cost by trim level for a 2017 Toyota RAV4 and Honda CR-V, as well as the overall average rate for each model. The 2017 Honda CR-V wins out over the 2017 Toyota RAV4 for the cheapest overall car insurance rates.

2016 Toyota RAV4 vs Honda CR-V

For 2016 Toyota RAV4 and Honda CR-V models, the Honda CR-V is cheaper to insure by an average of $252 per year.

The rate chart below visualizes the average cost to insure the two models with different drivers at the wheel. For a 2016 Toyota RAV4, average insurance cost ranges from $1,464 to $3,274 per year for the example age groups. A 2016 Honda CR-V costs from $1,242 to $2,744 to insure per year.

Out of 10 trim levels for the 2016 Toyota RAV4, the cheapest average insurance prices are on the LE 2WD model at a cost of $1,540 per year.

The 2016 Honda CR-V has 12 trims available, with the cheapest trim to insure being the LX 2WD model at an average cost of $1,292 per year.

When average insurance prices for all 22 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Honda CR-V LX 2WD at a cost of $1,292 per year. The highest-cost model and trim level is the Toyota RAV4 Hybrid Limited AWD costing $1,740 per year.

The next two tables illustrate trim level insurance rates for each 2016 model, as well as an average rate for each model.

2015 Toyota RAV4 vs Honda CR-V

When comparing car insurance rates for the 2015 Toyota RAV4 and Honda CR-V models, the Honda CR-V has cheaper rates by an average of $180 per year for this comparison year.

The chart shown below displays the average cost to insure both 2015 models using a range of rated driver ages. For a 2015 Toyota RAV4, insurance cost ranges from $1,350 to $3,002 per year for the included age groups. A 2015 Honda CR-V costs from $1,186 to $2,622 to insure per year.

For the six trim levels available for the 2015 Toyota RAV4, the cheapest model to insure is the LE 2WD model at an average cost of $1,426 per year, or around $119 per month.

The 2015 Honda CR-V has 10 trims available, with the cheapest trim to insure being the LX 2WD model at an average cost of $1,234 per year.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Honda CR-V LX 2WD at an average of $1,234 per year. The most expensive trim is the Toyota RAV4 Limited 4WD at a cost of $1,558 per year.

The next tables show the expected annual car insurance cost by trim level for both 2015 models, as well as the overall average rate for each model.

Additional Toyota RAV4 and Honda CR-V Resources

• Toyota RAV4 Insurance Rates
• Honda CR-V Insurance Rates
• Small SUV Insurance Rate Comparisons