Compare Toyota vs. Honda Car Insurance Rates [2024]
When comparing Toyota vs. Honda car insurance rates, it's not super cut and dry. The average Honda car insurance rates are $115 per month, while Toyota car insurance rates are $118 per month. Your car insurance rates will vary depending on the specific car model, your location, your driving record, and more. The best way to save on your Toyota or Honda auto insurance is to shop around.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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.
- 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.
Toyota vs. Honda Car Insurance Rates
What is the best car: Honda or Toyota? Though the details of Toyota car insurance rates 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
| Companes | Average 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 |
|---|---|---|---|---|
 | $2,409.67 | $2,454.58 | $2,422.66 | $2,529.63 |
 | $3,024.24 | $3,226.02 | $3,189.99 | $3,418.33 |
 | $3,092.58 | $3,090.89 | $3,338.87 | $3,337.18 |
 | $3,178.82 | $3,326.18 | $3,721.32 | $3,496.99 |
 | $3,547.84 | $3,517.03 | $3,361.93 | $3,328.57 |
 | $4,405.21 | $3,728.22 | $4,779.51 | $3,769.00 |
 | $4,420.37 | $4,383.78 | $4,661.22 | $4,708.19 |
 | $4,429.56 | $3,647.22 | $4,528.90 | $3,730.78 |
 | $4,753.69 | $4,324.99 | $5,380.28 | $4,947.90 |
 | $5,869.32 | $5,825.33 | $6,682.63 | $6,244.44 |
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.
Read more: How much does car insurance cost for a Honda CR-V?
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.
Comparison of Toyota and Honda Maintenance and Insurance Costs
When comparing Toyota and Honda vehicles, one crucial aspect to consider is their maintenance and insurance costs. Here’s a breakdown of key factors:
Maintenance Costs: Toyota and Honda vehicles generally have similar maintenance costs. Both brands are known for their reliability and longevity, which can translate into lower maintenance expenses over time.
Insurance Rates:
- Toyota Tacoma Insurance Rates: The insurance rates for Toyota Tacoma can vary based on factors such as location, driving record, and the specific model year.
- Toyota Sienna Insurance Cost: The cost to insure a Toyota Sienna depends on factors like safety ratings, repair costs, and the driver’s profile.
- Toyota Matrix Crash Test and Car Insurance: The Toyota Matrix’s crash test ratings can impact insurance premiums, reflecting its safety and repair costs.
- Toyota Corolla Insurance: The Toyota Corolla, known for its affordability and safety features, typically offers competitive insurance rates.
- Affordable Toyota Cars: Many Toyota models are considered affordable to insure due to their reliability and lower repair costs.
- Toyota Car Insurance Review: Reviews of Toyota car insurance highlight factors like customer satisfaction, coverage options, and cost-effectiveness.
Comparison of Honda vs. Toyota insurance costs: While both brands offer reliable and economical options, insurance premiums may vary based on specific models, driving history, and insurer preferences.
Understanding these factors can help in making an informed decision when choosing between Toyota and Honda vehicles based on maintenance and insurance costs.
Toyota Auto Insurance: Key Considerations and Options
When selecting Toyota auto insurance, it’s essential to understand the specific needs and characteristics associated with your Toyota vehicle. Different Toyota models, from the reliable Corolla to the versatile RAV4, come with varying insurance requirements due to factors such as vehicle value, safety features, and repair costs. Insurance providers often consider these elements to determine premiums, and knowing the unique attributes of your Toyota can help you find coverage that best suits your needs.
For Toyota owners, exploring various Toyota auto insurance options can also lead to finding potential discounts and benefits. Many insurers offer reduced rates for vehicles equipped with advanced safety features, a common trait in newer Toyota models. Additionally, factors such as good driving records and low mileage can further lower your insurance costs.
Reviewing the specific coverage options, including liability, collision, and comprehensive coverage, ensures that you’re adequately protected while optimizing your insurance expenditures. By comparing policies and understanding the insurance needs associated with your Toyota, you can make informed decisions that align with both your vehicle’s requirements and your financial goals.
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Evaluating Toyota Camry Insurance Costs: Is Toyota better than Honda?
When comparing Toyota Camry insurance costs against Honda models, factors such as safety ratings, reliability, and insurance premiums play crucial roles. The Toyota Camry, known for its dependable performance and high safety ratings, may offer competitive insurance rates compared to Honda vehicles.
Assessing whether Toyota is better than Honda often hinges on individual preferences, driving habits, and insurance affordability, making it essential to review specific insurance costs like those for the Toyota Camry to inform your decision effectively.
Comparing Honda and Toyota: Which is better for insurance?
When considering Honda versus Toyota, one important factor to weigh is insurance costs. Honda Odyssey insurance rates, Honda insurance rates, and Honda insurance prices tend to vary based on factors like model, location, and driver profile. Similarly, factors such as Honda car quote, Honda car insurance prices, Honda Accord insurance per month, and Honda Accord insurance costs can influence your decision.
Comparing the differences between Honda and Toyota can help determine the best car insurance for Toyota or Honda vehicles. Ultimately, the best car choice between Honda or Toyota often depends on individual preferences, driving needs, and insurance affordability.
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Evaluating Toyota Car Insurance Costs
Average Insurance Costs for Toyota Vehicles
When considering Toyota vehicles, understanding the average insurance costs can provide valuable insights:
Average Toyota Corolla Insurance Cost: Determine the typical insurance expenses associated with owning a Toyota Corolla, considering factors like model year, location, and driver profile.
Average Insurance Costs for Toyota Tacoma: Explore the average insurance costs specific to Toyota Tacoma trucks, factoring in aspects such as usage, trim level, and regional insurance trends.
Average Insurance Cost for Toyota Camry: Analyze the average insurance cost for Toyota Camry sedans, taking into account variables like safety features, theft rates, and insurance provider policies.
By reviewing these average insurance costs for popular Toyota models, you can better gauge the financial implications of owning and insuring a Toyota vehicle.
Choosing Between Honda and Toyota: Factors to Consider
When deciding between Honda and Toyota vehicles, several key factors influence your choice beyond personal preference. From reliability and insurance costs to safety features and overall performance, each brand offers distinct advantages. Understanding these factors is essential to making an informed decision that aligns with your driving needs and budget.
Honda vs. Toyota: Key Insurance Considerations
When deciding between a Honda and Toyota vehicle, it’s crucial to evaluate insurance rates and costs. Here are some factors to consider:
Honda Odyssey Insurance Rates: Honda Odyssey insurance rates can vary based on the model year, trim level, and your location. Factors such as safety ratings and theft rates may also affect insurance premiums.
Honda Insurance Rates and Prices: Compare Honda insurance rates and prices across different models to understand the overall insurance affordability for Honda vehicles.
Getting a Honda Car Quote: Requesting a Honda car quote from multiple insurance providers can help you compare costs and coverage options tailored to your specific needs.
Honda Accord Insurance Per Month and Costs: Honda Accord insurance per month and costs can differ based on factors like your driving record, age, and the level of coverage you choose.
Differences Between Honda and Toyota Vehicles
When debating the best car insurance for Toyota or Honda vehicles, consider these differences:
- Reliability and Resale Value: Toyotas are often praised for their reliability and high resale value, which can impact insurance rates positively.
- Safety Features: Compare the standard safety features and ratings between Honda and Toyota models, as these can influence insurance premiums.
- Performance and Fuel Efficiency: Evaluate the performance capabilities and fuel efficiency of Honda and Toyota vehicles, which may affect long-term ownership costs, including insurance.
By assessing these factors and comparing Honda insurance rates, Honda car insurance prices, and Honda Accord insurance costs against Toyota, you can make a more informed decision about which brand aligns best with your budget and driving preferences.
Toyota Matrix Car Insurance Considerations
When insuring a Toyota Matrix, several factors influence premiums. Insurance rates reflect safety ratings, repair costs, and overall risk profile. The Toyota Matrix, known for practicality and reliability, generally benefits from lower premiums compared to higher-performance or luxury vehicles.
Insurers consider safety features like airbags, anti-lock brakes, and stability control systems, which can lower premiums by reducing the risk of injury or damage. The Matrix’s reputation for dependability and reasonable repair costs also contributes to more affordable insurance rates.
Potential buyers should obtain insurance quotes from multiple providers to compare rates and coverage options. Factors such as driving history, location, and coverage levels will impact insurance costs. Shopping around helps find the best balance between coverage and affordability for insuring a Toyota Matrix.
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Best Car: Honda or Toyota
When deliberating between Honda and Toyota, determining the superior choice involves evaluating key factors essential to your driving needs and preferences. From performance and reliability to safety features and cost-effectiveness, each brand offers distinct advantages that can influence your decision on the best car.
Choosing the Ideal Vehicle
When deciding between Honda and Toyota, consider several critical factors:
- Performance and Handling
- Reliability and Durability
- Safety Features and Ratings
- Fuel Efficiency
- Technology and Infotainment
- Cost of Ownership
By carefully weighing these factors, you can determine whether Honda or Toyota aligns better with your preferences and requirements for the best car option.
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
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average 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 |
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Why is Honda more expensive to insure than Toyota?
Insurance rates can vary based on factors such as the specific model, safety ratings, repair costs, and likelihood of theft or accidents. Honda models may sometimes have higher insurance rates compared to Toyota due to these factors.
Is Honda or Toyota the better option?
The choice between Honda and Toyota depends on individual preferences, such as reliability, performance, and cost of ownership. Both brands offer competitive options in terms of vehicles and insurance rates.
Which is cheaper to insure, Honda or Toyota?
Insurance costs for Honda and Toyota vehicles can differ based on the model, location, driving history, and insurer. Generally, comparing quotes from multiple insurers is recommended to find the more affordable option.
Which is better overall, Toyota or Honda?
Overall, both Toyota and Honda are reputable brands known for reliability and safety. The better choice depends on specific vehicle models, personal preferences, and individual needs.
Is Honda more costly to insure compared to Toyota?
Depending on the model and other factors, Honda may sometimes have higher insurance costs than Toyota due to varying insurance company policies and risk assessments.
Is Honda insurance costly?
Honda insurance costs can vary. Factors such as the model, driver’s history, location, and coverage options all influence insurance premiums.
Are insurance rates higher for Honda Civics?
Insurance rates for Honda Civics can vary based on the model year, location, driving record, and other personal factors. It’s advisable to obtain quotes from different insurers to compare rates.
Is Honda less expensive than Toyota to insure?
Insurance costs can vary between Honda and Toyota vehicles. Shopping around for quotes is essential to determine which brand offers lower insurance premiums based on your specific circumstances.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.