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 $130 per year.
• For a 2024 Toyota RAV4, insurance rates range from $1,546 to $2,046 per year, while insurance for a 2024 Honda CR-V ranges from $1,534 to $1,706.
• Average car insurance cost per month for the Toyota RAV4 is 7.8% more expensive than the Honda CR-V, at $146 versus $135, a difference of $11.
• 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 $1,748 per year, and a 2024 Honda CR-V averages $1,618 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 $1,546 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 $1,534.

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 $1,534 per year. The most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,046 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 $1,556 to $3,514 per year for the included age groups. A 2024 Honda CR-V costs from $1,438 to $3,254 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 $1,710 per year, while a 2023 Honda CR-V averages $1,564 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 $1,514 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $1,918 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 $126 to $160 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 $1,514 to $3,446 per year for a 2023 Toyota RAV4, and $1,388 to $3,178 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 $1,534 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 $1,514.

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 $1,514 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD costing an average of $1,918 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 $1,636 per year, whereas insurance for the Honda CR-V averages $1,516 per year.

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

For a 2022 Toyota RAV4, average insurance rates range from $1,512 per year for the LE 2WD model up to $1,768 for the Prime XSE AWD model.

For a 2022 Honda CR-V, rates can range from $1,426 per year for the LX model up to $1,618 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 $1,426 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,768 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 $119 to $147 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 $260 per year for the Toyota RAV4 and $232 for the Honda CR-V.
• For a 17-year-old driver, insurance on a Toyota RAV4 costs an average of $5,675 per year and Honda CR-V insurance costs an average of $5,312 per year, a difference of $363 per year.
• For an 18-year-old driver, insurance on a Toyota RAV4 costs an average of $5,087 per year and Honda CR-V insurance costs an average of $4,737 per year, a difference of $350 per year.
• Being a safe driver could earn a discount of around $206 for the Toyota RAV4 and $192 for the Honda CR-V.
• Getting a minor traffic violation could increase average rates as much as $436 per year for the Toyota RAV4 and $408 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 $1,883 per year, the Toyota RAV4 costs $247 less per year, while the Honda CR-V costs $367 less per year.
• For a 16-year-old driver, insurance on a Toyota RAV4 costs an average of $5,857 per year and Honda CR-V insurance costs an average of $5,494 per year, a difference of $363 per year.
• A low deductible policy could cost up to $504 more per year for the Toyota RAV4 and $454 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 $1,636 and the 2022 Honda CR-V is $1,516, making the Honda CR-V cheaper by $120 per year.

2021 Toyota RAV4 vs. Honda CR-V

When comparing insurance rates for 2021 models, a Toyota RAV4 costs an average of $1,634 per year to insure and a Honda CR-V costs $1,368, making the Honda CR-V cheaper to insure by $266 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 $1,456 to $3,296 per year for a 2021 Toyota RAV4, and $1,214 to $2,758 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 $1,496 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 $1,284.

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 $1,284 per year, and the most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,742 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 $262 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 $1,416 to $3,204 per year for the example age groups. A 2020 Honda CR-V costs from $1,178 to $2,674 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 $1,248 per year, or $104 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 $1,248 per year. The most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average of $1,692 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 $1,490 per year to insure and a Honda CR-V costs $1,234, making the Honda CR-V cheaper to insure by $256 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 $1,328 to $3,000 per year for the included age groups. A 2019 Honda CR-V costs from $1,098 to $2,480 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 $1,378 per year, or around $115 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 $1,570 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 $232 per year.

The next chart illustrates the average cost to insure both models with different drivers at the wheel. Average insurance cost ranges from $1,266 to $2,850 per year for a 2018 Toyota RAV4, and $1,056 to $2,380 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 $1,326 per year, or $111 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 $1,124 per year, or about $94 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 $1,124 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum 4WD costing an average of $1,552 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 $250 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 $1,240 to $2,788 per year for a 2017 Toyota RAV4, and $1,012 to $2,278 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 $1,280 per year, or about $107 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 $1,080.

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 $1,080 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD at an average of $1,496 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 $198 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 $1,160 to $2,590 per year for the example age groups. A 2016 Honda CR-V costs from $982 to $2,170 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 $1,220 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 $1,022 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 $1,022 per year. The highest-cost model and trim level is the Toyota RAV4 Hybrid Limited AWD costing $1,376 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 $144 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 $1,068 to $2,374 per year for the included age groups. A 2015 Honda CR-V costs from $940 to $2,076 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 $1,130 per year, or around $94 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 $976 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 $976 per year. The most expensive trim is the Toyota RAV4 Limited 4WD at a cost of $1,234 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