Toyota RAV4 and Honda HR-V Car Insurance Compared

Are car insurance rates cheaper on a Toyota RAV4 or a Honda HR-V? Learn which model has better prices and get free quotes.

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  • At an average cost of $2,162 per year, a 2024 Honda HR-V has more affordable car insurance rates than a 2024 Toyota RAV4 by $122 per year.
  • Out of 47 models in the 2024 small SUV automotive segment, the Toyota RAV4 ranks 25th and the Honda HR-V ranks 15th for cheapest car insurance cost.
  • For a 2024 Toyota RAV4, auto insurance prices cost from $1,908 to $2,546 per year, while the average insurance rate for the 2024 Honda HR-V ranges from $1,968 to $2,106.

Is insurance cheaper for a Toyota RAV4 or Honda HR-V?

For 2024, the model having the cheapest rates is the Honda HR-V. Insurance on a Toyota RAV4 costs an average of $2,162 per year, while insurance for the Honda HR-V averages $2,040 per year.

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 $1,908 per year.

Out of the six trims available for the Honda HR-V, the cheapest 2024 model to insure is the LX model at a cost of $1,968.

When average insurance prices for all 25 trim levels for both 2024 models are compared, the lowest-cost model and trim is the Toyota RAV4 LE AWD at a cost of $1,908 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $2,546 per year.

The rate table below compares the cost of car insurance for 2024 Toyota RAV4 and Honda HR-V models, with average cost for each trim level.

2024 Model Year Toyota RAV4 vs. Honda HR-V Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,908$159
$1,960$163
$1,968$164
$2,016$168
$2,016$168
$2,016$168
$2,060$172
$2,064$172
$2,064$172
$2,074$173
$2,086$174
$2,106$176
$2,114$176
$2,118$177
$2,142$179
$2,148$179
$2,162$180
$2,162$180
$2,186$182
$2,192$183
$2,220$185
$2,248$187
$2,262$189
$2,476$206
$2,546$212

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Honda HR-V
Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Honda HR-V

The next chart illustrates the average cost to insure both 2024 models rated for multiple driver ages. Insurance cost ranges from $1,920 to $4,342 per year for a 2024 Toyota RAV4, and $1,816 to $4,026 for a 2024 Honda HR-V for the example age groups.

Average car insurance premiums for 2024 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$6,665$6,133
20-Year-Old$4,342$4,026
25-Year-Old$2,510$2,358
30-Year-Old$2,302$2,166
40-Year-Old$2,162$2,040
50-Year-Old$1,920$1,816
60-Year-Old$1,798$1,696

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

The two tables below display the average insurance cost by trim level for both 2024 models, plus an average rate for each model.

2024 Toyota RAV4

$2,162

Insurance Rates by Trim Level for a 2024 Toyota RAV4
2024 Toyota RAV4 TrimsRate
LE AWD$1,908
LE 2WD1,960
XLE 2WD2,016
LE Hybrid AWD2,064
XLE AWD2,064
Limited Hybrid AWD2,086
XLE Hybrid AWD2,114
XSE Hybrid AWD2,118
XLE Premium 2WD2,142
SE Hybrid AWD2,148
Adventure AWD2,162
Woodland Edition Hybrid AWD2,162
XLE Premium AWD2,186
XLE Premium Hybrid AWD2,192
Limited 2WD2,220
TRD Off-Road AWD2,248
Limited AWD2,262
Prime SE AWD2,476
Prime XSE AWD2,546
2024 Toyota RAV4 Average Rate$2,162

2024 Honda HR-V

$2,040

Insurance Rates by Trim Level for 2024 Toyota RAV4
2024 Honda HR-V TrimsRate
LX$1,968
LX AWD2,016
Sport2,016
Sport AWD2,060
EX-L2,074
EX-L AWD2,106
2024 Honda HR-V Average Rate$2,040

2023 Toyota RAV4 vs. Honda HR-V

Insurance rates for a 2023 Toyota RAV4 average $2,112 per year, while insurance for a Honda HR-V costs an average of $1,886 per year, making the Honda HR-V the cheaper of the two by $226 per year.

Out of 19 trim levels for the 2023 Toyota RAV4, the cheapest insurance prices are on the LE 2WD model at a cost of $1,896 per year.

Out of the six trim levels available for the Honda HR-V, the cheapest 2023 model to insure is the LX model at a cost of $1,820.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Honda HR-V LX at an average rate of $1,820 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD at an average of $2,368 per year.

The next table ranks the annual and monthly car insurance cost for 2023 Toyota RAV4 and Honda HR-V models, with average rates for each trim level.

2023 Model Year Toyota RAV4 vs. Honda HR-V Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,820$152
$1,860$155
$1,874$156
$1,896$158
$1,904$159
$1,918$160
$1,946$162
$1,954$163
$1,954$163
$2,000$167
$2,008$167
$2,052$171
$2,060$172
$2,086$174
$2,092$174
$2,102$175
$2,114$176
$2,140$178
$2,174$181
$2,174$181
$2,206$184
$2,206$184
$2,234$186
$2,298$192
$2,368$197

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Honda HR-V
Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Honda HR-V

The next chart visualizes the average cost to insure both 2023 models for drivers aged 20 to 50. For a 2023 Toyota RAV4, average car insurance cost ranges from $1,870 to $4,252 per year. A 2023 Honda HR-V costs from $1,692 to $3,738 to insure per year.

Average car insurance premiums for 2023 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$6,543$5,686
20-Year-Old$4,252$3,738
25-Year-Old$2,450$2,176
30-Year-Old$2,250$1,994
40-Year-Old$2,112$1,886
50-Year-Old$1,870$1,692
60-Year-Old$1,752$1,580

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 26, 2025

The tables below display the average insurance cost by trim level for both 2023 models, along with an average cost for each model. The model with the cheapest average car insurance rates for 2023 is the Honda HR-V.

2023 Toyota RAV4

$2,112

Insurance Rates by Trim Level for a 2023 Toyota RAV4
2023 Toyota RAV4 TrimsRate
LE 2WD$1,896
LE AWD1,954
XLE 2WD1,954
LE Hybrid AWD2,000
XLE AWD2,008
XLE Hybrid AWD2,052
XLE Premium 2WD2,060
SE Hybrid AWD2,086
Woodland Edition Hybrid AWD2,092
XLE Premium AWD2,102
Adventure AWD2,114
XLE Premium Hybrid AWD2,140
Limited 2WD2,174
XSE Hybrid AWD2,174
Limited AWD2,206
TRD Off-Road AWD2,206
Limited Hybrid AWD2,234
Prime SE AWD2,298
Prime XSE AWD2,368
2023 Toyota RAV4 Average Rate$2,112

2023 Honda HR-V

$1,886

Insurance Rates by Trim Level for 2023 Toyota RAV4
2023 Honda HR-V TrimsRate
LX$1,820
LX AWD1,860
Sport1,874
Sport AWD1,904
EX-L1,918
EX-L AWD1,946
2023 Honda HR-V Average Rate$1,886

2022 Toyota RAV4 vs. Honda HR-V

When comparing 2022 Toyota RAV4 and Honda HR-V models, the vehicle with the cheapest average car insurance rates is the Honda HR-V. Average car insurance rates for the Toyota RAV4 are $2,018 per year, while the Honda HR-V costs an average of $1,918 per year.

Toyota RAV4 rates range from the cheapest price of $1,866 per year for the LE 2WD model up to $2,182 for the Prime XSE AWD model. For a 2022 Honda HR-V, rates can range from $1,846 per year on the LX model up to $1,978 on the most expensive EX-L model.

Car insurance rates for all 2022 Toyota RAV4 and Honda HR-V models range from $154 to $182 per month. For the 2022 Toyota RAV4, the lowest-cost trims to insure are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Honda HR-V trim levels to insure include the LX, Sport, and EX.

The table below compares the 12-month and monthly car insurance cost for 2022 Toyota RAV4 and Honda HR-V models, showing average premium cost for each trim level.

2022 Model Year Toyota RAV4 vs. Honda HR-V Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,846$154
$1,866$156
$1,904$159
$1,910$159
$1,912$159
$1,928$161
$1,938$162
$1,944$162
$1,976$165
$1,978$165
$1,988$166
$1,996$166
$2,012$168
$2,022$169
$2,034$170
$2,066$172
$2,072$173
$2,088$174
$2,092$174
$2,104$175
$2,138$178
$2,182$182

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Honda HR-V
Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Honda HR-V

The following chart demonstrates the average cost to insure both 2022 models for the 20 to 50-year-old driver age groups. Average car insurance cost ranges from $1,788 to $4,076 per year on the 2022 Toyota RAV4, and $1,720 to $3,816 for the 2022 Honda HR-V for the five age groups shown in the chart.

Average car insurance premiums for 2022 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2022 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$6,273$5,818
20-Year-Old$4,076$3,816
25-Year-Old$2,344$2,214
30-Year-Old$2,152$2,030
40-Year-Old$2,018$1,918
50-Year-Old$1,788$1,720
60-Year-Old$1,676$1,606

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 26, 2025

A 2022 Toyota RAV4 has 18 trims available, with the lowest-cost trim level to insure being the LE 2WD model at an average cost of $1,866 per year. The 2022 Honda HR-V has four trim and option levels available, with the most affordable model to insure being the LX trim at an average cost of $1,846 per year, or around $154 per month.

When all 22 trims of both models are combined and compared, the cheapest model and trim level to insure is the Honda HR-V LX at an average rate of $1,846 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $2,182 per year.

The next two tables display the average cost to insure all 2022 trim levels, including an overall average rate.

2022 Toyota RAV4

$2,018

Insurance Rates by Trim Level for a 2022 Toyota RAV4
2022 Toyota RAV4 TrimsRate
LE 2WD$1,866
LE AWD1,904
XLE 2WD1,910
LE Hybrid AWD1,938
XLE AWD1,944
XLE Hybrid AWD1,976
XLE Premium 2WD1,988
SE Hybrid AWD1,996
XLE Premium AWD2,012
Adventure AWD2,022
XLE Premium Hybrid AWD2,034
XSE Hybrid AWD2,066
Limited 2WD2,072
Limited AWD2,088
TRD Off-Road AWD2,092
Limited Hybrid AWD2,104
Prime SE AWD2,138
Prime XSE AWD2,182
2022 Toyota RAV4 Average Rate$2,018

2022 Honda HR-V

$1,918

Insurance Rates by Trim Level for 2022 Toyota RAV4
2022 Honda HR-V TrimsRate
LX$1,846
Sport1,912
EX1,928
EX-L1,978
2022 Honda HR-V Average Rate$1,918

2021 Toyota RAV4 vs. Honda HR-V

A 2021 Honda HR-V costs $196 less per year to insure per year on average than a 2021 Toyota RAV4, a difference of 10.2%.

The next chart demonstrates the average cost to insure both models with different drivers at the wheel. The average cost of car insurance ranges from $1,796 to $4,068 per year on the 2021 Toyota RAV4, and $1,630 to $3,624 on a 2021 Honda HR-V for the driver examples in the chart.

Average car insurance premiums for 2021 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$6,245$5,528
20-Year-Old$4,068$3,624
25-Year-Old$2,342$2,108
30-Year-Old$2,144$1,932
40-Year-Old$2,020$1,824
50-Year-Old$1,796$1,630
60-Year-Old$1,680$1,522

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

For the 12 trim levels available for the 2021 Toyota RAV4, the lowest-cost trim level to insure is the LE 2WD trim at an average cost of $1,846 per year, or about $154 per month. For the nine trim options available for the Honda HR-V, the most affordable 2021 trim package to insure is the LX 2WD model at a cost of $1,712 per year, or around $143 per month.

When looking at the aggregated rates by trim for both models, the overall cheapest vehicle to put coverage on is the Honda HR-V LX 2WD at a cost of $1,712 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,150 per year.

The tables below show the average cost to insure all 2021 trim levels, along with the average rate for each model.

2021 Toyota RAV4

$2,020

Insurance Rates by Trim Level for a 2021 Toyota RAV4
2021 Toyota RAV4 TrimsRate
LE 2WD$1,846
LE 4WD1,912
XLE Premium 2WD1,912
XLE 2WD1,976
XLE 4WD1,976
Hybrid XLE AWD2,020
XLE Premium 4WD2,040
Hybrid LE AWD2,086
Adventure 4WD2,104
Limited 2WD2,104
Limited 4WD2,104
Hybrid XSE AWD2,150
2021 Toyota RAV4 Average Rate$2,020

2021 Honda HR-V

$1,824

Insurance Rates by Trim Level for 2021 Toyota RAV4
2021 Honda HR-V TrimsRate
LX 2WD$1,712
EX 2WD1,776
LX AWD1,776
Sport 2WD1,776
EX AWD1,840
EX-L 2WD1,840
Sport AWD1,840
EX-L AWD1,904
Touring AWD1,950
2021 Honda HR-V Average Rate$1,824

2020 Toyota RAV4 vs. Honda HR-V

When comparing insurance rates for the 2020 Toyota RAV4 and Honda HR-V models, the Honda HR-V has cheaper rates by an average of $178 per year.

The chart shown below shows the average cost to insure both models with different drivers at the wheel. A full-coverage car insurance policy ranges from $1,746 to $3,952 per year on the 2020 Toyota RAV4, and $1,596 to $3,546 for the 2020 Honda HR-V for the different drivers illustrated in the chart.

Average car insurance premiums for 2020 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$6,064$5,405
20-Year-Old$3,952$3,546
25-Year-Old$2,276$2,064
30-Year-Old$2,082$1,890
40-Year-Old$1,962$1,784
50-Year-Old$1,746$1,596
60-Year-Old$1,634$1,488

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

Out of 12 trims for a 2020 Toyota RAV4, the lowest-cost insurance rates are on the LE 2WD model at a cost of $1,798 per year. Out of the nine trim options available for the Honda HR-V, the cheapest 2020 trim level to insure is the LX 2WD trim at a cost of $1,676.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Honda HR-V LX 2WD at a cost of $1,676 per year, and the highest-cost model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $2,086 per year.

The tables below illustrate average cost to insure each trim level for a 2020 Toyota RAV4 and Honda HR-V, as well as an average rate for each model.

2020 Toyota RAV4

$1,962

Insurance Rates by Trim Level for a 2020 Toyota RAV4
2020 Toyota RAV4 TrimsRate
LE 2WD$1,798
LE 4WD1,858
XLE Premium 2WD1,858
XLE 2WD1,920
XLE 4WD1,920
Hybrid XLE AWD1,964
XLE Premium 4WD1,982
Hybrid LE AWD2,024
Adventure 4WD2,042
Limited 2WD2,042
Limited 4WD2,042
Hybrid XSE AWD2,086
2020 Toyota RAV4 Average Rate$1,962

2020 Honda HR-V

$1,784

Insurance Rates by Trim Level for 2020 Toyota RAV4
2020 Honda HR-V TrimsRate
LX 2WD$1,676
EX 2WD1,738
LX AWD1,738
Sport 2WD1,738
EX AWD1,800
EX-L 2WD1,800
Sport AWD1,800
EX-L AWD1,862
Touring AWD1,906
2020 Honda HR-V Average Rate$1,784

2019 Toyota RAV4 vs. Honda HR-V

For 2019 Toyota RAV4 and Honda HR-V models, the Honda HR-V is cheaper to insure by an average of $188 per year.

The rate chart below shows the average car insurance cost for the two models using drivers aged 20 to 50. For the 2019 Toyota RAV4, average car insurance cost ranges from $1,638 to $3,702 per year for the different drivers illustrated in the chart. Full-coverage insurance on the 2019 Honda HR-V costs from $1,480 to $3,286 on average per year.

Average car insurance premiums for 2019 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$5,679$5,008
20-Year-Old$3,702$3,286
25-Year-Old$2,134$1,908
30-Year-Old$1,954$1,746
40-Year-Old$1,838$1,650
50-Year-Old$1,638$1,480
60-Year-Old$1,534$1,382

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

For the 13 trim levels available for the 2019 Toyota RAV4, the cheapest trim to insure is the LE 2WD model at an average cost of $1,702 per year.

For the nine different option levels available for the Honda HR-V, the cheapest 2019 model to insure is the LX 2WD model at a cost of $1,560.

When comparing combined rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Honda HR-V LX 2WD at an average cost of $1,560 per year, and the highest-cost model and trim is the Toyota RAV4 Limited 4WD costing $1,940 per year.

The two tables below display average car insurance cost by trim level for each 2019 model, including the average rate for each model. The model with the cheapest overall car insurance cost for 2019 is the Honda HR-V.

2019 Toyota RAV4

$1,838

Insurance Rates by Trim Level for a 2019 Toyota RAV4
2019 Toyota RAV4 TrimsRate
LE 2WD$1,702
Hybrid LE AWD1,754
LE 4WD1,762
XLE 2WD1,762
Hybrid XLE AWD1,804
XLE 4WD1,822
XLE Premium 2WD1,822
Adventure 4WD1,882
XLE Premium 4WD1,882
Hybrid Limited AWD1,920
Hybrid XSE AWD1,930
Limited 2WD1,940
Limited 4WD1,940
2019 Toyota RAV4 Average Rate$1,838

2019 Honda HR-V

$1,650

Insurance Rates by Trim Level for 2019 Toyota RAV4
2019 Honda HR-V TrimsRate
LX 2WD$1,560
LX AWD1,560
EX 2WD1,618
Sport 2WD1,618
Sport AWD1,618
EX AWD1,678
EX-L 2WD1,678
EX-L AWD1,738
Touring AWD1,798
2019 Honda HR-V Average Rate$1,650

2018 Toyota RAV4 vs. Honda HR-V

For 2018 Toyota RAV4 and Honda HR-V models, the Honda HR-V has lower-cost car insurance by an average of $190 per year.

The chart shown below displays the average cost to insure both models using a range of rated driver ages. For the 2018 Toyota RAV4, the average cost of car insurance ranges from $1,562 to $3,514 per year for the age groups used in the chart. Car insurance on the 2018 Honda HR-V costs from $1,400 to $3,098 on average per year.

Average car insurance premiums for 2018 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$5,385$4,714
20-Year-Old$3,514$3,098
25-Year-Old$2,030$1,802
30-Year-Old$1,858$1,646
40-Year-Old$1,750$1,560
50-Year-Old$1,562$1,400
60-Year-Old$1,462$1,308

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

A 2018 Toyota RAV4 has 16 trim levels available, with the lowest-cost trim level to insure being the LE 2WD model at an average cost of $1,636 per year, or around $136 per month.

For the six option levels available for the Honda HR-V, the cheapest 2018 trim to insure is the LX 2WD model at a cost of $1,474.

When all 22 trims of both models are combined and compared, the overall cheapest vehicle to put coverage on is the Honda HR-V LX 2WD at an average cost of $1,474 per year. The most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD at a cost of $1,916 per year.

The tables below display the cost to insure the available trim levels for both 2018 models, along with the average rate for each model. The model with the cheapest auto insurance rates for 2018 is the Honda HR-V.

2018 Toyota RAV4

$1,750

Insurance Rates by Trim Level for a 2018 Toyota RAV4
2018 Toyota RAV4 TrimsRate
LE 2WD$1,636
LE 4WD1,636
XLE 2WD1,636
Hybrid LE AWD1,682
Adventure 2WD1,692
XLE 4WD1,692
Hybrid XLE AWD1,724
Adventure 4WD1,748
SE 2WD1,748
Hybrid SE AWD1,794
Limited 2WD1,804
Limited 4WD1,804
SE 4WD1,804
Hybrid Limited AWD1,836
Platinum 2WD1,860
Platinum 4WD1,916
2018 Toyota RAV4 Average Rate$1,750

2018 Honda HR-V

$1,560

Insurance Rates by Trim Level for 2018 Toyota RAV4
2018 Honda HR-V TrimsRate
LX 2WD$1,474
LX AWD1,504
EX 2WD1,532
EX AWD1,560
EX-L Navigation 2WD1,614
EX-L Navigation AWD1,670
2018 Honda HR-V Average Rate$1,560

2017 Toyota RAV4 vs. Honda HR-V

For 2017 Toyota RAV4 and Honda HR-V models, the Honda HR-V has cheaper car insurance rates by an average of $212 per year.

The rate chart below displays the average car insurance cost for both 2017 models for the 20 to 50-year-old driver age groups. Insurance cost ranges from $1,532 to $3,440 per year for the 2017 Toyota RAV4, and $1,348 to $2,978 for a 2017 Honda HR-V for the included age groups.

Average car insurance premiums for 2017 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2017 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$5,262$4,532
20-Year-Old$3,440$2,978
25-Year-Old$1,986$1,732
30-Year-Old$1,816$1,582
40-Year-Old$1,712$1,500
50-Year-Old$1,532$1,348
60-Year-Old$1,430$1,258

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 26, 2025

Out of 12 trim levels for the 2017 Toyota RAV4, the cheapest auto insurance rates are on the LE 2WD model at a cost of $1,584 per year. A 2017 Honda HR-V has six trim options available, with the lowest-cost model to insure being the LX 2WD trim at an average cost of $1,404 per year.

When looking at the aggregated rates by trim level for both models, the overall cheapest vehicle to put coverage on is the Honda HR-V LX 2WD at an average rate of $1,404 per year, and the most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing an average of $1,846 per year.

The next tables detail average car insurance rates for every trim level for both 2017 models, along with the average rate for each model.

2017 Toyota RAV4

$1,712

Insurance Rates by Trim Level for a 2017 Toyota RAV4
2017 Toyota RAV4 TrimsRate
LE 2WD$1,584
LE 4WD1,636
XLE 2WD1,636
Hybrid XLE AWD1,662
SE 2WD1,688
XLE 4WD1,688
Limited 2WD1,742
SE 4WD1,742
Hybrid Limited AWD1,768
Limited 4WD1,794
Platinum 2WD1,794
Platinum AWD 4WD1,846
2017 Toyota RAV4 Average Rate$1,712

2017 Honda HR-V

$1,500

Insurance Rates by Trim Level for 2017 Toyota RAV4
2017 Honda HR-V TrimsRate
LX 2WD$1,404
EX 2WD1,458
LX AWD1,458
EX AWD1,510
EX-L Navigation 2WD1,562
EX-L Navigation AWD1,616
2017 Honda HR-V Average Rate$1,500

2016 Toyota RAV4 vs. Honda HR-V

A 2016 Honda HR-V costs $156 less per year to insure per year on average than a 2016 Toyota RAV4, a difference of 10.3%.

The next chart illustrates the average insurance cost for the two models rated for drivers aged 20 to 50. For the 2016 Toyota RAV4, insurance cost ranges from $1,430 to $3,194 per year for the age groups in the chart. Auto insurance for the 2016 Honda HR-V ranges from $1,298 to $2,880 on average per year.

Average car insurance premiums for 2016 Toyota RAV4 and Honda HR-V models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Toyota RAV4 and Honda HR-V models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Toyota RAV4 and Honda HR-V. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Toyota RAV4 vs. Honda HR-V Insurance Cost
Driver Age Toyota RAV4 Honda HR-V
18-Year-Old$4,882$4,386
20-Year-Old$3,194$2,880
25-Year-Old$1,848$1,664
30-Year-Old$1,690$1,518
40-Year-Old$1,598$1,442
50-Year-Old$1,430$1,298
60-Year-Old$1,336$1,210

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

Out of 10 trim levels for a 2016 Toyota RAV4, the most affordable car insurance rates are on the LE 2WD model at a cost of $1,506 per year, or about $126 per month.

The 2016 Honda HR-V has six different trim levels available, with the most affordable model to insure being the LX 2WD model at an average cost of $1,360 per year, or $113 per month.

When rates for all 16 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Honda HR-V LX 2WD at an average cost of $1,360 per year. The most expensive trim is the Toyota RAV4 Hybrid Limited AWD at an average of $1,698 per year.

The next tables illustrate the average cost to insure all 2016 trim levels, as well as the overall average rate for each model. The model with the cheapest overall car insurance cost for 2016 is the Honda HR-V.

2016 Toyota RAV4

$1,598

Insurance Rates by Trim Level for a 2016 Toyota RAV4
2016 Toyota RAV4 TrimsRate
LE 2WD$1,506
LE 4WD1,506
XLE 2WD1,554
XLE 4WD1,554
Hybrid XLE AWD1,602
SE 2WD1,604
Limited 2WD1,650
Limited 4WD1,650
SE 4WD1,650
Hybrid Limited AWD1,698
2016 Toyota RAV4 Average Rate$1,598

2016 Honda HR-V

$1,442

Insurance Rates by Trim Level for 2016 Toyota RAV4
2016 Honda HR-V TrimsRate
LX 2WD$1,360
EX 2WD1,410
LX AWD1,410
EX AWD1,458
EX-L Navigation 2WD1,506
EX-L Navigation AWD1,506
2016 Honda HR-V Average Rate$1,442

Additional Toyota RAV4 and Honda HR-V Resources