Toyota RAV4 and Honda HR-V Car Insurance Compared

• At an average cost of $1,634 per year, a 2023 Honda HR-V has more affordable car insurance rates than a 2023 Toyota RAV4 by $170 per year.
• Out of 47 models in the 2023 small SUV automotive segment, the Toyota RAV4 ranks 29^th and the Honda HR-V ranks 10^th for cheapest car insurance cost.
• For a 2023 Toyota RAV4, auto insurance prices cost from $1,468 to $1,830 per year, while the average insurance rate for the 2023 Honda HR-V ranges from $1,414 to $1,510.

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

Insurance rates for a 2023 Toyota RAV4 average $1,634 per year, while insurance for a Honda HR-V costs an average of $1,464 per year, making the Honda HR-V the cheaper of the two by $170 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 $1,468 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 $1,414.

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 $1,414 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD at an average of $1,830 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 $1,490 to $3,252 per year. A 2023 Honda HR-V costs from $1,338 to $2,874 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 $1,562 per year, while the Honda HR-V costs an average of $1,492 per year.

Toyota RAV4 rates range from the cheapest price of $1,446 per year for the LE 2WD model up to $1,686 for the Prime XSE AWD model. For a 2022 Honda HR-V, rates can range from $1,438 per year on the LX model up to $1,540 on the most expensive EX-L model.

Car insurance rates for all 2022 Toyota RAV4 and Honda HR-V models range from $120 to $141 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 $1,426 to $3,114 per year on the 2022 Toyota RAV4, and $1,362 to $2,936 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 $1,446 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 $1,438 per year, or around $120 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 $1,438 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD costing $1,686 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 $150 less per year to insure per year on average than a 2021 Toyota RAV4, a difference of 10%.

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 $1,426 to $3,114 per year on the 2021 Toyota RAV4, and $1,292 to $2,788 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 $1,436 per year, or about $120 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 $1,334 per year, or around $111 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 $1,334 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,666 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 $146 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 $1,410 to $3,076 per year on the 2020 Toyota RAV4, and $1,276 to $2,758 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 $1,418 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 $1,316.

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 $1,316 per year, and the highest-cost model and trim level is the Toyota RAV4 Hybrid XSE AWD costing $1,642 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 $144 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 $1,330 to $2,898 per year for the different drivers illustrated in the chart. Full-coverage insurance on the 2019 Honda HR-V costs from $1,200 to $2,588 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 $1,356 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 $1,244.

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 $1,244 per year, and the highest-cost model and trim is the Toyota RAV4 Limited 4WD costing $1,538 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 $150 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 $1,290 to $2,810 per year for the age groups used in the chart. Car insurance on the 2018 Honda HR-V costs from $1,150 to $2,486 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 $1,324 per year, or around $110 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 $1,544 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 $168 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 $1,262 to $2,746 per year for the 2017 Toyota RAV4, and $1,112 to $2,398 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 $1,282 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 $1,142 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 $1,142 per year, and the most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing an average of $1,488 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 9.9%.

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 $1,208 to $2,624 per year for the age groups in the chart. Auto insurance for the 2016 Honda HR-V ranges from $1,092 to $2,370 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 $1,248 per year, or about $104 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 $1,132 per year, or $94 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 $1,132 per year. The most expensive trim is the Toyota RAV4 Hybrid Limited AWD at an average of $1,400 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