Mazda CX-5 vs. Toyota RAV4 Insurance Cost

• A 2023 Mazda CX-5 is cheaper to insure than a 2023 Toyota RAV4 by an average of $248 per year, $1,386 compared to $1,634.
• For a 2023 Mazda CX-5, rates range from $1,280 to $1,484 per year, while insurance on a 2023 Toyota RAV4 ranges from $1,468 to $1,830.
• Out of 47 models in the 2023 small SUV segment, the Mazda CX-5 ranks fifth and the Toyota RAV4 ranks 29^th for most affordable car insurance.

Is it cheaper to insure a Mazda CX-5 or Toyota RAV4?

Insurance rates on a 2023 Mazda CX-5 cost an average of $1,386 per year, and insurance for a Toyota RAV4 costs an average of $1,634 per year, making the Mazda CX-5 the winner with the cheapest average insurance rates.

For the eight trims available for the 2023 Mazda CX-5, the cheapest model to insure is the 2.5 S model at an average cost of $1,280 per year, or around $107 per month.

Out of the 19 trims available for the Toyota RAV4, the cheapest 2023 trim level to insure is the LE 2WD model at a cost of $1,468.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Mazda CX-5 2.5 S at an average rate of $1,280 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,830 per year.

The rate chart below visualizes average Mazda CX-5 and Toyota RAV4 auto insurance rates for 2023 models, broken out by driver age.

The chart shown below displays the average cost to insure the two models rated for different driver ages. The average cost of car insurance ranges from $1,260 to $2,722 per year for a 2023 Mazda CX-5, and $1,490 to $3,252 for a 2023 Toyota RAV4 for the illustrated age groups.

The tables below display both 2023 models and all trim levels available for each one, including an overall average rate. The 2023 Mazda CX-5 has cheaper overall car insurance rates than the 2023 Toyota RAV4.

2022 Mazda CX-5 vs. Toyota RAV4

For 2022 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 has cheaper car insurance rates by an average of $306 per year.

The chart shown below demonstrates the average cost to insure the two models with different driver age groups. The average car insurance cost ranges from $1,142 to $2,466 per year for a 2022 Mazda CX-5, and $1,426 to $3,114 for a 2022 Toyota RAV4.

How does insurance cost for a 2022 Mazda CX-5 compare to a Toyota RAV4?

• Insurance cost in the chart above ranges from $1,142 to $2,466 per year for the Mazda CX-5 and $1,426 to $3,114 per year for the Toyota RAV4.
• A 20-year-old driver pays an average of $648 less to insure a Mazda CX-5 than a Toyota RAV4.
• A 40-year-old driver pays an average of $306 less to insure a Mazda CX-5 than a Toyota RAV4.
• Having an at-fault accident could increase insurance rates by up to $490 per year for the Mazda CX-5 and $642 for the Toyota RAV4.
• When comparing the most expensive models of each vehicle to insure, the most expensive 2022 Mazda CX-5 to insure is the S Preferred at $1,330 per year. The most expensive 2022 Toyota RAV4 to insure is the Prime XSE AWD at $1,686 per year.

The 2022 Mazda CX-5 has eight trims available, with the cheapest model to insure being the S trim at an average cost of $1,146 per year.

For the 18 trim levels available for the Toyota RAV4, the cheapest 2022 trim to insure is the LE 2WD model at a cost of $1,446 per year, or $121 per month.

When all 26 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Mazda CX-5 S at an average of $1,146 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD at a cost of $1,686 per year.

The next tables illustrate the average cost to insure all 2022 trim levels, plus the average rate for each model. The winner for the 2022 car insurance rate comparison is the Mazda CX-5.

2021 Mazda CX-5 vs. Toyota RAV4

When comparing car insurance rates for the 2021 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 has cheaper rates by an average of $248 per year.

The rate chart below demonstrates the average cost to insure both models using different driver ages. For a 2021 Mazda CX-5, average car insurance cost ranges from $1,204 to $2,612 per year for the driver ages used. A 2021 Toyota RAV4 costs from $1,426 to $3,114 to insure per year.

Out of eight Mazda CX-5 trims, the cheapest 2021 trim to insure is the Sport 2WD trim at an average cost of $1,204 per year. For the 12 trim levels available for the Toyota RAV4, the cheapest 2021 trim level to insure is the LE 2WD trim at a cost of $1,436 per year, or around $120 per month.

When all 20 trims of both models are combined and compared, the lowest-cost model and trim level to insure is the Mazda CX-5 Sport 2WD at an average cost of $1,204 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD at a cost of $1,666 per year.

The rate tables below display both 2021 models and all trim levels available for each one, including an overall average rate.

2020 Mazda CX-5 vs. Toyota RAV4

For the 2020 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 has cheaper car insurance rates by an average of $244 per year.

The chart below visualizes the average cost to insure the two models using different driver ages. Insurance cost ranges from $1,186 to $2,576 per year for a 2020 Mazda CX-5, and $1,410 to $3,076 for a 2020 Toyota RAV4 for these driver ages.

Out of eight trim levels for the 2020 Mazda CX-5, the cheapest auto insurance rates are on the Sport 2WD trim at a cost of $1,188 per year. For the 12 trim levels available for the Toyota RAV4, the cheapest 2020 model to insure is the LE 2WD trim at a cost of $1,418 per year, or about $118 per month.

When rates for all 20 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Mazda CX-5 Sport 2WD at a cost of $1,188 per year, and the highest-cost model and trim is the Toyota RAV4 Hybrid XSE AWD at an average of $1,642 per year.

The two tables below display the cost to insure the available trim levels for both 2020 models, as well as the overall average rate for each model. The winner for the 2020 car insurance rate comparison is the Mazda CX-5.

2019 Mazda CX-5 vs. Toyota RAV4

When comparing car insurance rates for 2019 models, a Mazda CX-5 costs an average of $1,378 per year to insure and a Toyota RAV4 costs $1,460, making the Mazda CX-5 cheaper to insure by $82 per year for 2019.

The rate chart below displays the average cost to insure both 2019 models for different driver ages. For a 2019 Mazda CX-5, the average car insurance cost ranges from $1,258 to $2,748 per year for the age groups used in this illustration. A 2019 Toyota RAV4 costs from $1,330 to $2,898 to insure per year.

Out of eight trims for the 2019 Mazda CX-5, the cheapest rates are on the Sport 2WD trim at a cost of $1,274 per year, or $106 per month.

For the 13 trims available for the Toyota RAV4, the cheapest 2019 model to insure is the LE 2WD model at a cost of $1,356.

When average insurance prices for all 21 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Mazda CX-5 Sport 2WD at an average rate of $1,274 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Limited 4WD at an average of $1,538 per year.

The next two rate tables show average cost to insure each trim level for a 2019 Mazda CX-5 and Toyota RAV4, as well as an average rate for each model.

2018 Mazda CX-5 vs. Toyota RAV4

When comparing insurance cost for the 2018 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 has cheaper rates by an average of $118 per year for 2018.

The rate chart below illustrates the average cost to insure both 2018 models with different drivers at the wheel. The average cost of car insurance ranges from $1,184 to $2,586 per year for a 2018 Mazda CX-5, and $1,290 to $2,810 for a 2018 Toyota RAV4 for the included age groups.

Out of six trims for the 2018 Mazda CX-5, the cheapest insurance rates are on the Sport 2WD trim at a cost of $1,244 per year. The 2018 Toyota RAV4 has 16 trim levels available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,324 per year.

When rates are compared for the 22 trim levels of both 2018 models, the overall cheapest vehicle to insure is the Mazda CX-5 Sport 2WD at an average rate of $1,244 per year, and the highest-cost model and trim level is the Toyota RAV4 Platinum 4WD at a cost of $1,544 per year.

The tables below show average car insurance cost by trim level for each 2018 model, including an overall average rate. The model with the cheapest average car insurance rates for 2018 is the Mazda CX-5.

2017 Mazda CX-5 vs. Toyota RAV4

When comparing average insurance rates for the 2017 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 is cheaper to insure by an average of $142 per year.

The next chart displays the average cost to insure the two models rated for a variety of different driver ages. Average insurance cost ranges from $1,134 to $2,474 per year for a 2017 Mazda CX-5, and $1,262 to $2,746 for a 2017 Toyota RAV4 for these driver ages.

Out of six trims for the 2017 Mazda CX-5, the cheapest auto insurance rates are on the Sport 2WD trim at a cost of $1,200 per year, or $100 per month. Out of the 12 trims available for the Toyota RAV4, the cheapest 2017 model to insure is the LE 2WD trim at a cost of $1,282 per year, or about $107 per month.

When comparing both models at a trim-level basis, the cheapest trim to insure is the Mazda CX-5 Sport 2WD at a cost of $1,200 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD at an average of $1,488 per year.

The next two tables show average cost to insure each trim level for a 2017 Mazda CX-5 and Toyota RAV4, including an overall average cost for each model.

2016 Mazda CX-5 vs. Toyota RAV4

When comparing car insurance rates for 2016 models, the Mazda CX-5 costs an average of $1,194 per year to insure and the Toyota RAV4 costs $1,320, making the Mazda CX-5 the winner by $126.

The chart below visualizes the average cost to insure both models for drivers aged 20 to 50. For a 2016 Mazda CX-5, insurance cost ranges from $1,096 to $2,398 per year for the driver ages used. A 2016 Toyota RAV4 costs from $1,208 to $2,624 to insure per year.

The 2016 Mazda CX-5 has six trims available, with the cheapest trim to insure being the Sport 2WD trim at an average cost of $1,102 per year. For the 10 trim levels available for the Toyota RAV4, the cheapest 2016 model to insure is the LE 2WD model at a cost of $1,248.

When rates are compared for the 16 trim levels of both 2016 models, the overall cheapest vehicle to insure is the Mazda CX-5 Sport 2WD at an average cost of $1,102 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD costing an average of $1,400 per year.

The next two rate tables display trim level insurance rates for each 2016 model, along with an average cost for each model.

2015 Mazda CX-5 vs. Toyota RAV4

When comparing insurance cost for the 2015 Mazda CX-5 and Toyota RAV4 models, the Mazda CX-5 is cheaper to insure by an average of $202 per year for this comparison year.

The chart shown below illustrates the average cost to insure both models for the 20 to 50-year-old driver age groups. For a 2015 Mazda CX-5, the average car insurance cost ranges from $934 to $2,024 per year for the included driver ages. A 2015 Toyota RAV4 costs from $1,116 to $2,412 to insure per year.

Out of six Mazda CX-5 trim levels, the cheapest 2015 trim to insure is the Sport 2WD model at an average cost of $946 per year. For the six trims available for the Toyota RAV4, the cheapest 2015 trim level to insure is the LE 2WD model at a cost of $1,164 per year, or $97 per month.

When rates for all 12 trim levels for both vehicles are compared, the cheapest model and trim level to insure is the Mazda CX-5 Sport 2WD at an average cost of $946 per year. The most expensive model and trim level is the Toyota RAV4 Limited 4WD costing $1,268 per year.

The tables below illustrate the cost to insure the available trim levels for both 2015 models, plus the average rate for each model. The cheapest of the two models to insure for the 2015 model year is the Mazda CX-5.

Additional Mazda CX-5 and Toyota RAV4 Resources

• Mazda CX-5 Insurance Rates
• Toyota RAV4 Insurance Rates
• Small SUV Insurance Rate Comparisons