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

• For the 2023 model year, a Honda CR-V costs less to insure than a Toyota RAV4 by an average of $142 per year.
• For a 2023 Toyota RAV4, insurance rates range from $1,506 to $1,878 per year, while insurance for a 2023 Honda CR-V ranges from $1,486 to $1,612.
• Average car insurance cost per month for the Toyota RAV4 is 9% more expensive than the Honda CR-V, at $140 versus $128, a difference of $12.
• Out of 47 models in the 2023 small SUV segment, the Toyota RAV4 ranks 29^th and the Honda CR-V ranks 13^th for cheapest car insurance cost.

Is Toyota RAV4 or Honda CR-V insurance cheaper?

Car insurance for a 2023 Toyota RAV4 averages $1,676 per year, while a 2023 Honda CR-V averages $1,534 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 $1,486 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $1,878 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 $124 to $157 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 $1,528 to $3,336 per year for a 2023 Toyota RAV4, and $1,400 to $3,070 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 $1,506 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 $1,486.

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 $1,486 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD costing an average of $1,878 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 $1,602 per year, whereas insurance for the Honda CR-V averages $1,486 per year.

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

For a 2022 Toyota RAV4, average insurance rates range from $1,482 per year for the LE 2WD model up to $1,732 for the Prime XSE AWD model.

For a 2022 Honda CR-V, rates can range from $1,400 per year for the LX model up to $1,586 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 $1,400 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,732 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 $117 to $144 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 $250 per year for the Toyota RAV4 and $224 for the Honda CR-V.
• For a 17-year-old driver, insurance on a Toyota RAV4 costs an average of $5,386 per year and Honda CR-V insurance costs an average of $5,054 per year, a difference of $332 per year.
• For an 18-year-old driver, insurance on a Toyota RAV4 costs an average of $5,028 per year and Honda CR-V insurance costs an average of $4,712 per year, a difference of $316 per year.
• Being a safe driver could earn a discount of around $204 for the Toyota RAV4 and $192 for the Honda CR-V.
• Getting a minor traffic violation could increase average rates as much as $424 per year for the Toyota RAV4 and $398 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 $1,728 per year, the Toyota RAV4 costs $126 less per year, while the Honda CR-V costs $242 less per year.
• For a 16-year-old driver, insurance on a Toyota RAV4 costs an average of $5,758 per year and Honda CR-V insurance costs an average of $5,418 per year, a difference of $340 per year.
• A low deductible policy could cost up to $488 more per year for the Toyota RAV4 and $440 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 $1,602 and the 2022 Honda CR-V is $1,486, making the Honda CR-V cheaper by $116 per year.

2021 Toyota RAV4 vs. Honda CR-V

When comparing insurance rates for 2021 models, a Toyota RAV4 costs an average of $1,610 per year to insure and a Honda CR-V costs $1,338, making the Honda CR-V cheaper to insure by $272 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 $1,466 to $3,196 per year for a 2021 Toyota RAV4, and $1,222 to $2,662 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 $1,476 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 $1,258.

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 $1,258 per year, and the most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,712 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 $272 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 $1,448 to $3,158 per year for the example age groups. A 2020 Honda CR-V costs from $1,204 to $2,628 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 $1,456 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 $1,238 per year, or $103 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 $1,238 per year. The most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average of $1,688 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 $1,496 per year to insure and a Honda CR-V costs $1,234, making the Honda CR-V cheaper to insure by $262 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 $1,364 to $2,974 per year for the included age groups. A 2019 Honda CR-V costs from $1,126 to $2,450 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 $1,392 per year, or around $116 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 $1,174 per year, or $98 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 $1,174 per year. The highest-cost model and trim is the Toyota RAV4 Limited 4WD costing an average of $1,580 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 $242 per year.

The next chart illustrates the average cost to insure both models with different drivers at the wheel. Average insurance cost ranges from $1,324 to $2,886 per year for a 2018 Toyota RAV4, and $1,104 to $2,402 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 $1,360 per year, or $113 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 $1,146 per year, or about $96 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 $1,146 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum 4WD costing an average of $1,586 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 $262 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 $1,296 to $2,820 per year for a 2017 Toyota RAV4, and $1,060 to $2,298 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 $1,318 per year, or about $110 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 $1,102.

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 $1,102 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD at an average of $1,530 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 $212 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 $1,236 to $2,694 per year for the example age groups. A 2016 Honda CR-V costs from $1,048 to $2,262 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 $1,284 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 $1,072 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 $1,072 per year. The highest-cost model and trim level is the Toyota RAV4 Hybrid Limited AWD costing $1,438 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 $154 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 $1,148 to $2,480 per year for the included age groups. A 2015 Honda CR-V costs from $1,004 to $2,164 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 $1,196 per year, or around $100 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 $1,030 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 $1,030 per year. The most expensive trim is the Toyota RAV4 Limited 4WD at a cost of $1,300 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