Estimates, not quotes

Honda CR-V vs Toyota RAV4 Insurance Cost

The Honda CR-V is cheaper to insure by about $85 a year for full coverage by our estimate ($1,200 vs. $1,285), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageHonda CR-VToyota RAV4Difference
State minimum$495$550−$55
Standard (100/300/100)$720$800−$80
Full coverage$1,200$1,285−$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = CR-V minus RAV4.

Why one costs more to insure

FactorHonda CR-VToyota RAV4
SegmentSmall SUVSmall SUV
PowertrainsGasoline, Hybrid, Hydrogen fuel cellGasoline, Hybrid, Plug-in hybrid, Electric
HLDI collision (100 = avg)6372
HLDI comprehensive6562
HLDI property damage liability6683
HLDI bodily injury liability8094
NHTSA overall rating5★5★
NICB most-stolen rank#9Not in top 10
Recalls (latest 3 model years)56

Collision losses are the biggest swing factor: the Toyota RAV4 has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Honda CR-V appears on the NICB most-stolen list, adding to comprehensive costs.

CR-V vs RAV4 insurance by state

StateCR-VRAV4Difference
Alabama$1,040$1,100−$60
Alaska$1,045$1,120−$75
Arizona$1,265$1,350−$85
Arkansas$1,050$1,105−$55
California$1,160$1,250−$90
Colorado$1,370$1,435−$65
Connecticut$1,280$1,380−$100
Delaware$1,355$1,465−$110
District of Columbia$1,505$1,610−$105
Florida$1,745$1,890−$145
Georgia$1,500$1,620−$120
Hawaii$815$875−$60
Idaho$815$865−$50
Illinois$1,035$1,105−$70
Indiana$850$905−$55
Iowa$810$840−$30
Kansas$955$995−$40
Kentucky$1,015$1,080−$65
Louisiana$1,670$1,780−$110
Maine$760$805−$45
Maryland$1,350$1,450−$100
Massachusetts$1,175$1,260−$85
Michigan$1,300$1,390−$90
Minnesota$1,000$1,050−$50
Mississippi$1,145$1,210−$65
Missouri$1,090$1,150−$60
Montana$955$990−$35
Nebraska$960$995−$35
Nevada$1,395$1,520−$125
New Hampshire$845$905−$60
New Jersey$1,460$1,580−$120
New Mexico$1,075$1,140−$65
New York$1,625$1,750−$125
North Carolina$885$935−$50
North Dakota$760$785−$25
Ohio$855$905−$50
Oklahoma$1,075$1,130−$55
Oregon$1,090$1,175−$85
Pennsylvania$1,040$1,100−$60
Rhode Island$1,455$1,575−$120
South Carolina$1,295$1,390−$95
South Dakota$915$930−$15
Tennessee$990$1,050−$60
Texas$1,420$1,500−$80
Utah$1,095$1,185−$90
Vermont$770$810−$40
Virginia$1,030$1,100−$70
Washington$1,050$1,135−$85
West Virginia$995$1,045−$50
Wisconsin$820$860−$40
Wyoming$930$950−$20

By driver profile (full coverage)

DriverCR-VRAV4
Teen driver (18, own policy)$3,305$3,530
Young adult (22)$1,920$2,055
Adult in their 30s$1,200$1,285
Adult in their 50s$1,105$1,180
Senior (72)$1,345$1,435
30s, one at-fault accident$1,740$1,860
30s, DUI on record$2,220$2,375

More comparisons

Frequently asked questions

Is the Honda CR-V or the Toyota RAV4 cheaper to insure?

By our estimate the Honda CR-V is cheaper, by about $85 a year for full coverage ($1,200 vs. $1,285) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Honda CR-V and Toyota RAV4?

Mostly because of insurance-loss history: HLDI collision indices of 63 vs. 72 and comprehensive indices of 65 vs. 62 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page