Is Car Insurance Cheaper for a Mazda CX-5 or Subaru Crosstrek?

• A 2024 Subaru Crosstrek has cheaper car insurance rates than a 2024 Mazda CX-5 by an average of $184 per year, $1,956 compared to $1,772.
• Out of 47 models in the 2024 small SUV segment, the Mazda CX-5 ranks eighth and the Subaru Crosstrek ranks first for overall insurance affordability.
• The Mazda CX-5 2.5 S Select and the Subaru Crosstrek Base are the trim levels that are cheapest to insure for each model, costing $1,834 and $1,684 per year, respectively.

Does a Mazda CX-5 or Subaru Crosstrek cost less to insure?

Insurance rates on a 2024 Mazda CX-5 cost an average of $1,956 per year, and a 2024 Subaru Crosstrek averages $1,772 per year, making the Subaru Crosstrek the model with better average insurance cost.

For the eight trims available for the 2024 Mazda CX-5, the cheapest trim to insure is the 2.5 S Select model at an average cost of $1,834 per year, or about $153 per month.

Out of the five trim levels available for the Subaru Crosstrek, the cheapest 2024 trim level to insure is the Base model at a cost of $1,684.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Subaru Crosstrek Base at a cost of $1,684 per year, and the most expensive trim is the Mazda CX-5 2.5 Turbo Signature at an average of $2,068 per year.

The next table compares and ranks the cost of car insurance for 2024 Mazda CX-5 and Subaru Crosstrek models, showing average premium cost for each trim level.

The next chart shows the average cost to insure both 2024 models rated for a variety of different driver ages. Average car insurance cost ranges from $1,730 to $3,916 per year for a 2024 Mazda CX-5, and $1,574 to $3,488 for a 2024 Subaru Crosstrek for the illustrated age groups.

The next two tables show average car insurance cost by trim level for a 2024 Mazda CX-5 and Subaru Crosstrek, including an overall average cost for each model. The 2024 Subaru Crosstrek defeats the 2024 Mazda CX-5 for cheapest overall car insurance cost.

2023 Mazda CX-5 vs. Subaru Crosstrek

Car insurance for a 2023 Mazda CX-5 averages $1,840 per year, whereas insurance for a 2023 Subaru Crosstrek averages $1,782 per year, making the Subaru Crosstrek the cheaper option by $58 per year.

Within each different model, however, the cost of insurance varies noticeably for each different trim level. For the Mazda CX-5, rates range from the cheapest average rate of $1,698 per year for the 2.5 S model up to $1,968 for the 2.5 Turbo Signature model. For the 2023 Subaru Crosstrek, rates range from $1,670 per year on the Base AWD model up to $1,938 for the most expensive Plug-in Hybrid AWD model.

For the 2023 Mazda CX-5, the lowest-cost trim levels to insure include the 2.5 S, 2.5 S Select, and 2.5 S Preferred. The lowest-cost Subaru Crosstrek trim levels to insure include the Base AWD, Premium AWD, and Sport AWD.

The next table ranks the cost of car insurance for 2023 Mazda CX-5 and Subaru Crosstrek models, broken down by trim level.

The following chart shows the average cost to insure both 2023 models for the 20, 30, 40, and 50-year-old driver age groups. For the 2023 Mazda CX-5, the average car insurance cost ranges from $1,618 to $3,644 per year for the age groups used in this illustration. A full-coverage policy on the 2023 Subaru Crosstrek ranges from $1,580 to $3,602 on average per year.

Out of eight trim levels for the 2023 Mazda CX-5, the cheapest auto insurance rates are on the 2.5 S trim at a cost of $1,698 per year, or about $142 per month. For the five different trims available for the Subaru Crosstrek, the cheapest 2023 trim level to insure is the Base AWD trim at a cost of $1,670.

When comparing combined rates for both models from a trim-level perspective, the most affordable model and trim level to buy insurance for is the Subaru Crosstrek Base AWD at a cost of $1,670 per year. The highest-cost model and trim level is the Mazda CX-5 2.5 Turbo Signature costing $1,968 per year.

The next two tables detail the average cost to insure all 2023 trim levels, including the average rate for each model.

2022 Mazda CX-5 vs. Subaru Crosstrek

For 2022 Mazda CX-5 and Subaru Crosstrek models, the Mazda CX-5 has lower-cost car insurance by an average of $90 per year.

The chart below displays the average cost to insure the two models rated for different driver ages. Average full-coverage insurance ranges from $1,470 to $3,302 per year for a 2022 Mazda CX-5, and $1,558 to $3,560 on the 2022 Subaru Crosstrek for the example age groups.

For the eight trim levels available for the 2022 Mazda CX-5, the cheapest trim level to insure is the S model at an average cost of $1,520 per year.

Out of the five different trim levels available for the Subaru Crosstrek, the cheapest 2022 trim to insure is the AWD trim at a cost of $1,630 per year, or about $136 per month.

When auto insurance rates for all 13 trim levels for both vehicles are compared, the cheapest trim to insure is the Mazda CX-5 S at a cost of $1,520 per year, and the most expensive model and trim level is the Subaru Crosstrek Plug-in Hybrid AWD at a cost of $1,902 per year.

The rate tables below show the average insurance cost by trim level for both 2022 models, along with an average cost for each model. The 2022 Mazda CX-5 takes the trophy over the 2022 Subaru Crosstrek for the cheapest car insurance rates.

2021 Mazda CX-5 vs. Subaru Crosstrek

For the 2021 Mazda CX-5 and Subaru Crosstrek models, the Mazda CX-5 costs less to insure by an average of $170 per year for this comparison year.

The chart below illustrates the average car insurance cost for both models for four different driver age groups. For the 2021 Mazda CX-5, the average insurance cost ranges from $1,554 to $3,504 per year for the age groups used in this illustration. Car insurance for a 2021 Subaru Crosstrek costs from $1,704 to $3,908 on average per year.

Out of eight trims for a 2021 Mazda CX-5, the cheapest auto insurance rates are on the Sport 2WD model at a cost of $1,596 per year, or $133 per month. Out of the four different option levels available for the Subaru Crosstrek, the most affordable 2021 trim to insure is the AWD trim at a cost of $1,772.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim to insure is the Mazda CX-5 Sport 2WD at an average of $1,596 per year. The highest-cost model and trim level is the Subaru Crosstrek Plug-in Hybrid AWD costing $2,136 per year.

The tables below detail both 2021 models and all trim levels available for each one, along with an average cost for each model. The cheapest to insure for the 2021 model year is the Mazda CX-5.

2020 Mazda CX-5 vs. Subaru Crosstrek

When comparing car insurance rates for 2020 models, a Mazda CX-5 costs an average of $1,700 per year to insure and a Subaru Crosstrek costs $1,862, making the Mazda CX-5 more affordable to insure by $162 per year for 2020.

The chart below visualizes the average car insurance cost for both 2020 models using drivers aged 20 to 50. For a 2020 Mazda CX-5, the average car insurance cost ranges from $1,508 to $3,398 per year for these driver ages. Full-coverage insurance for a 2020 Subaru Crosstrek ranges from $1,656 to $3,794 on average per year.

Out of eight Mazda CX-5 trims, the most affordable 2020 trim to insure is the Sport 2WD model at an average cost of $1,550 per year, or around $129 per month. For the four different trims available for the Subaru Crosstrek, the lowest-cost 2020 trim level to insure is the AWD model at a cost of $1,720.

When trim-level rates for both models are compared, the cheapest vehicle to buy insurance for is the Mazda CX-5 Sport 2WD at a cost of $1,550 per year. The most expensive model and trim level is the Subaru Crosstrek Plug-in Hybrid AWD costing an average of $2,070 per year.

The two tables below illustrate average car insurance rates for every trim level for both 2020 models, along with an average cost for each model. The model with the cheapest overall car insurance rates for 2020 is the Mazda CX-5.

2019 Mazda CX-5 vs. Subaru Crosstrek

A 2019 Subaru Crosstrek costs $184 less per year to insure per year on average than a 2019 Mazda CX-5, a difference of 10.9%.

The next chart visualizes the average cost to insure the two models rated for drivers aged 20 to 50. The average full-coverage insurance policy ranges from $1,586 to $3,606 per year for the 2019 Mazda CX-5, and $1,416 to $3,224 for a 2019 Subaru Crosstrek for the age groups included in the chart.

Out of eight Mazda CX-5 trim levels, the cheapest 2019 model to insure is the Sport 2WD trim at an average cost of $1,646 per year, or about $137 per month. Out of the three different trim levels available for a Subaru Crosstrek, the lowest-cost 2019 trim level to insure is the 2 AWD model at a cost of $1,496.

When comparing both models combined at a trim-level basis, the cheapest trim to insure is the Subaru Crosstrek 2 AWD at a cost of $1,496 per year, and the most expensive model and trim level is the Mazda CX-5 Signature AWD costing $1,950 per year.

The two tables below display average car insurance cost by trim level for a 2019 Mazda CX-5 and Subaru Crosstrek, plus the average rate for each model. The 2019 Subaru Crosstrek has cheaper average car insurance rates than the 2019 Mazda CX-5.

2018 Mazda CX-5 vs. Subaru Crosstrek

For 2018 Mazda CX-5 and Subaru Crosstrek models, the Subaru Crosstrek has lower-cost car insurance by $164 per year.

The chart below displays the average car insurance cost for the two models for four different driver age groups. The average cost of full-coverage insurance ranges from $1,466 to $3,320 per year for a 2018 Mazda CX-5, and $1,316 to $2,980 for a 2018 Subaru Crosstrek for these driver ages.

For the six trims available for the 2018 Mazda CX-5, the most affordable trim to insure is the Sport 2WD trim at an average cost of $1,576 per year, or around $131 per month. A 2018 Subaru Crosstrek has three trim levels available, with the most affordable model to insure being the 2 AWD trim at an average cost of $1,402 per year, or about $117 per month.

When comparing rates by trim level for both models, the most affordable model and trim level to put coverage on is the Subaru Crosstrek 2 AWD at a cost of $1,402 per year. The highest-cost model and trim is the Mazda CX-5 Grand Touring AWD at an average of $1,748 per year.

The next two tables display average car insurance rates for every trim level for both 2018 models, including the average rate for each model.

2017 Mazda CX-5 vs. Subaru Crosstrek

For 2017 Mazda CX-5 and Subaru Crosstrek models, the Subaru Crosstrek is cheaper to insure by an average of $120 per year.

The chart below visualizes the average cost to insure both 2017 models for drivers aged 20 to 50. Average full-coverage insurance ranges from $1,408 to $3,178 per year on the 2017 Mazda CX-5, and $1,298 to $2,934 on the 2017 Subaru Crosstrek for the age groups used in this illustration.

Out of six Mazda CX-5 trims, the cheapest 2017 model to insure is the Sport 2WD model at an average cost of $1,522 per year.

Out of the eight trim levels available for a Subaru Crosstrek, the cheapest 2017 model to insure is the 2 AWD trim at a cost of $1,350 per year, or $113 per month.

When rates for all 14 trim levels for both vehicles are combined and compared, the lowest-cost model and trim level to insure is the Subaru Crosstrek 2 AWD at an average rate of $1,350 per year, and the highest-cost model and trim is the Mazda CX-5 Grand Touring AWD at a cost of $1,682 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2017 models, as well as an average rate for each model. The 2017 Subaru Crosstrek has cheaper overall car insurance rates than the 2017 Mazda CX-5.

2016 Mazda CX-5 vs. Subaru Crosstrek

A 2016 Subaru Crosstrek costs $128 less per year to insure per year on average than a 2016 Mazda CX-5, a difference of 9.1%.

The rate chart below demonstrates the average cost to insure both 2016 models for the 20 to 50-year-old driver age groups. For the 2016 Mazda CX-5, the average car insurance cost ranges from $1,314 to $2,978 per year for these driver ages. Auto insurance on a 2016 Subaru Crosstrek costs from $1,190 to $2,672 on average per year.

Out of six trims for a 2016 Mazda CX-5, the most affordable auto insurance rates are on the Sport 2WD trim at a cost of $1,352 per year.

For the eight trims available for the Subaru Crosstrek, the cheapest 2016 trim level to insure is the 2 AWD trim at a cost of $1,180 per year, or $98 per month.

When rates are compared for the 14 trim and option levels of both 2016 models, the cheapest vehicle to insure is the Subaru Crosstrek 2 AWD at an average of $1,180 per year, and the most expensive trim is the Subaru Crosstrek Hybrid Touring AWD at an average of $1,574 per year.

The two tables below illustrate average car insurance cost by trim level for a 2016 Mazda CX-5 and Subaru Crosstrek, including an overall average cost for each model.

Additional Mazda CX-5 and Subaru Crosstrek Resources

• Mazda CX-5 Insurance Cost
• Subaru Crosstrek Insurance Cost
• Small SUV Insurance Cost Comparisons