Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 12, 2020

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Here's What You Need to Know

  • Some Toyotas are going to be cheaper to insure than some Hondas and vice versa.
  • Knowing the class and model of car you want to buy will help in an insurance comparison.
  • There is not one car that is the cheapest for every driver to insure.
  • The average Honda car insurance rates are $115/mo.
  • The average Toyota car insurance rates are $118/mo.

Many people who are in the market for a new car want to know whether or not one car has better insurance rates than another. For example, which is cheaper: Toyota or Honda?

The problem is, when it comes to a brand comparison, there is no way to say for sure that one make of car is cheaper to insure than another.

Are Hondas expensive to insure? Is Toyota or Honda better? Let’s look at Toyota vs. Honda car insurance costs and see how they stack up against each other.

Once you decide between a Honda or Toyota, make sure you compare quotes from the best auto insurance companies. Compare car insurance rates below by entering your ZIP code now.

Toyota vs. Honda Car Insurance Rates

What is the best car: Honda or Toyota? Though the details of Toyota vs. Honda car insurance terms should determine which is best for you, we can certainly make a comparison for your car insurance rates.

Are Hondas cheaper to insure? Let’s take a look.

Toyota vs. Honda Average Annual Car Insurance Rates
CompanesAverage Annual Rates for 2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT Average Annual Rates for 2015 Toyota RAV4: XLE Average Annual Rates for 2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT Average Annual Rates for 2018 Toyota RAV4: XLE
USAA$2,409.67$2,454.58$2,422.66$2,529.63
State Farm$3,024.24$3,226.02$3,189.99$3,418.33
GEICO$3,092.58$3,090.89$3,338.87$3,337.18
American Family$3,178.82$3,326.18$3,721.32$3,496.99
Nationwide$3,547.84$3,517.03$3,361.93$3,328.57
Farmers$4,405.21$3,728.22$4,779.51$3,769.00
Travelers$4,420.37$4,383.78$4,661.22$4,708.19
Progressive$4,429.56$3,647.22$4,528.90$3,730.78
Allstate$4,753.69$4,324.99$5,380.28$4,947.90
Liberty Mutual$5,869.32$5,825.33$6,682.63$6,244.44
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Because each car insurance company determines your rates differently, you’ll see that each insurer has a different annual cost. For the same driver with the same car, one company may cost much more than another.

USAA, AmFam, and State Farm charge more for a Toyota, but the rest of these major insurers charge more for a Honda.

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The Cheapest Toyota to Insure

The cheapest Toyota vehicle to insure is the Toyota Sienna.

Of course, the rates you are charged will change drastically if you have a bad driving record, multiple traffic violations, and so on.

The Toyota Sienna has been the recipient of several awards, including Best Overall Value by IntelliChoice, which is a company that helps you find the best car for your needs.

In addition, the Toyota Sienna was rated as the vehicle with the highest resale value by Kelley Blue Book.

The Cheapest Honda to Insure

Are Hondas expensive to insure?

The Honda CR-V is the cheapest Honda to insure with a rate of $960 a year.

Overall, compared to Toyota or even most other brands, Honda has several vehicles that are cheaper to insure.

The Honda Odyssey, which is Honda’s minivan, also has lower insurance costs than the average minivan, at $962 annually on average.

The Better Value of Toyota vs. Honda

Both Toyota and Honda have competitive insurance pricing.

  • Both companies make safe cars that qualify for car insurance discounts.
  • Both companies make vehicles that are priced economically.

Overall, when you compare the two companies in terms of cars, you will find that they rate almost the same when you talk about the same class of car.

Even safety ratings are fairly similar.

This video from AutoShow features two separate crash tests from the Insurance Institute for Highway Safety. One is for a 2016 Honda Civic, and one is for a 2017 Toyota Corolla.

Both small overlap crash tests received “good” ratings.

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Operating Costs of Toyota and Honda Vehicles

If you don’t have your heart set on a particular type of vehicle and insurance costs are the same, something that might help you make a decision about your vehicle is overall operation costs.

Operation costs include things like:

  • How many miles you get per gallon of gas
  • How often you have to change your oil
  • The cost of new tires for your vehicle
  • How often you have to change a tire

Depreciation and insurance costs are also included in the operating costs of a vehicle.

In the case of Toyota vs. Honda, the Toyota Sienna has lower operating costs according to IntelliChoice.

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The Lowest Car Insurance Rates for You

Despite all the good news about Toyota and Honda and the low rates that they offer, it’s important to keep a few things in mind.

Several factors affect your car insurance rates:

  • Your driving record
  • Your credit score
  • Your location and car theft rates
  • Number of miles driven

Below are annual car insurance rates by state. You can see just how rates change based on your location.

Average Annual Car Insurance Rates by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
North Dakota$282.55$252.21$112.74$741.11
South Dakota$289.04$251.30$110.12$1,206.46
Iowa$293.34$251.46$230.65$819.14
Wyoming$323.38$270.48$222.86$816.71
Maine$333.92$331.72$146.77$1,077.97
Idaho$337.17$284.92$117.98$833.44
Vermont$340.98$278.38$118.31$737.67
Kansas$342.33$255.33$130.15$904.39
Nebraska$349.07$293.78$116.79$1,057.63
North Carolina$357.59$227.44$227.64$737.63
Wisconsin$359.84$209.93$126.34$696.11
Indiana$372.44$207.10$171.58$672.01
Alabama$372.57$299.10$146.28$817.95
Ohio$376.16$298.21$201.56$941.34
Arkansas$381.14$304.87$183.36$869.37
Montana$387.77$223.50$206.24$778.81
New Hampshire$393.24$365.23$123.18$1,353.96
Tennessee$397.73$290.39$135.62$823.74
Missouri$399.41$254.90$199.87$842.54
Virginia$413.12$264.70$129.89$807.71
Illinois$430.54$237.19$115.02$724.65
Mississippi$437.38$259.65$166.34$825.40
Minnesota$439.58$302.96$194.74$935.08
Oklahoma$441.57$212.47$89.66$855.57
Hawaii$458.49$209.00$110.78$656.95
New Mexico$462.21$358.45$156.66$1,300.09
California$462.95$364.56$99.29$926.79
Utah$471.26$254.41$106.57$832.24
Colorado$477.10$263.36$158.34$898.79
Arizona$488.59$259.31$184.20$932.10
Georgia$490.64$297.75$100.09$856.33
Pennsylvania$495.02$377.06$122.17$1,219.29
South Carolina$497.50$200.10$228.59$717.73
Texas$498.44$340.51$186.70$1,025.64
West Virginia$501.44$319.10$195.04$1,015.57
Kentucky$518.91$391.03$208.59$1,326.78
Alaska$547.34$360.18$141.08$1,048.60
Oregon$553.43$307.31$132.01$934.34
Washington$568.92$250.13$104.11$923.16
Massachusetts$587.75$383.21$147.02$1,252.27
Maryland$599.48$358.68$128.92$1,075.35
District of Columbia$628.09$449.27$230.25$1,307.62
Connecticut$633.95$348.70$126.02$1,108.67
Nevada$647.07$281.70$103.03$777.98
Rhode Island$720.06$247.62$165.38$910.51
Michigan$722.04$214.02$173.04$826.64
Louisiana$727.15$249.00$96.66$679.56
Delaware$776.50$296.60$113.23$1,186.33
New York$784.98$264.58$123.00$745.17
Florida$845.05$320.45$153.61$964.70
New Jersey$865.55$267.48$166.89$896.58
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Each insurer also bases your rates upon your individual information, including your driving record and credit score.

You cannot base your rates on what the national average might be. You must get your own rates by getting quotes and comparing them yourself.

Whether you have a Toyota or Honda, you can get the best car insurance rates by shopping around. Enter your ZIP code below and compare car insurance rates right now.