Toyota RAV4 and Honda HR-V Car Insurance Compared

• At an average cost of $1,748 per year, a 2024 Honda HR-V has more affordable car insurance rates than a 2024 Toyota RAV4 by $98 per year.
• Out of 47 models in the 2024 small SUV automotive segment, the Toyota RAV4 ranks 25^th and the Honda HR-V ranks 15^th for cheapest car insurance cost.
• For a 2024 Toyota RAV4, auto insurance prices cost from $1,546 to $2,046 per year, while the average insurance rate for the 2024 Honda HR-V ranges from $1,594 to $1,704.

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 $1,748 per year, while insurance for the Honda HR-V averages $1,650 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 $1,546 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 $1,594.

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 $1,546 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $2,046 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.

The next chart illustrates the average cost to insure both 2024 models rated for multiple driver ages. Insurance cost ranges from $1,556 to $3,514 per year for a 2024 Toyota RAV4, and $1,474 to $3,266 for a 2024 Honda HR-V for the example age groups.

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

2023 Toyota RAV4 vs. Honda HR-V

Insurance rates for a 2023 Toyota RAV4 average $1,710 per year, while insurance for a Honda HR-V costs an average of $1,528 per year, making the Honda HR-V the cheaper of the two by $182 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 $1,534 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 $1,474.

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 $1,474 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD at an average of $1,918 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.

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 $1,514 to $3,446 per year. A 2023 Honda HR-V costs from $1,372 to $3,030 to insure per year.

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.

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 $1,636 per year, while the Honda HR-V costs an average of $1,554 per year.

Toyota RAV4 rates range from the cheapest price of $1,512 per year for the LE 2WD model up to $1,768 for the Prime XSE AWD model. For a 2022 Honda HR-V, rates can range from $1,498 per year on the LX model up to $1,604 on the most expensive EX-L model.

Car insurance rates for all 2022 Toyota RAV4 and Honda HR-V models range from $125 to $147 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.

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 $1,452 to $3,302 per year on the 2022 Toyota RAV4, and $1,394 to $3,090 for the 2022 Honda HR-V for the five age groups shown in the chart.

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 $1,512 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 $1,498 per year, or around $125 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 $1,498 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $1,768 per year.

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

2021 Toyota RAV4 vs. Honda HR-V

A 2021 Honda HR-V costs $158 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 $1,456 to $3,296 per year on the 2021 Toyota RAV4, and $1,322 to $2,938 on a 2021 Honda HR-V for the driver examples in the chart.

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 $1,496 per year, or about $125 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 $1,386 per year, or around $116 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 $1,386 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,742 per year.

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

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 $154 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 $1,416 to $3,204 per year on the 2020 Toyota RAV4, and $1,286 to $2,858 for the 2020 Honda HR-V for the different drivers illustrated in the chart.

Out of 12 trims for a 2020 Toyota RAV4, the lowest-cost insurance rates are on the LE 2WD model at a cost of $1,456 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 $1,350.

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 $1,350 per year, and the highest-cost model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $1,692 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.

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 $154 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 $1,328 to $3,000 per year for the different drivers illustrated in the chart. Full-coverage insurance on the 2019 Honda HR-V costs from $1,200 to $2,666 on average per year.

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 $1,378 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 $1,262.

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 $1,262 per year, and the highest-cost model and trim is the Toyota RAV4 Limited 4WD costing $1,570 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.

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 $156 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 $1,266 to $2,850 per year for the age groups used in the chart. Car insurance on the 2018 Honda HR-V costs from $1,136 to $2,512 on average per year.

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 $1,326 per year, or around $111 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 $1,196.

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 $1,196 per year. The most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD at a cost of $1,552 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.

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 $174 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 $1,240 to $2,788 per year for the 2017 Toyota RAV4, and $1,094 to $2,418 for a 2017 Honda HR-V for the included age groups.

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 $1,280 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 $1,136 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 $1,136 per year, and the most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing an average of $1,496 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.

2016 Toyota RAV4 vs. Honda HR-V

A 2016 Honda HR-V costs $124 less per year to insure per year on average than a 2016 Toyota RAV4, a difference of 10.1%.

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 $1,160 to $2,590 per year for the age groups in the chart. Auto insurance for the 2016 Honda HR-V ranges from $1,054 to $2,334 on average per year.

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 $1,220 per year, or about $102 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 $1,102 per year, or $92 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 $1,102 per year. The most expensive trim is the Toyota RAV4 Hybrid Limited AWD at an average of $1,376 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.

Additional Toyota RAV4 and Honda HR-V Resources

• Toyota RAV4 Insurance Cost
• Honda HR-V Insurance Cost
• Small SUV Insurance Cost Comparisons