Mazda CX-5 vs. Toyota RAV4 Insurance Cost

• A 2024 Mazda CX-5 is cheaper to insure than a 2024 Toyota RAV4 by an average of $200 per year, $1,548 compared to $1,748.
• For a 2024 Mazda CX-5, rates range from $1,450 to $1,636 per year, while insurance on a 2024 Toyota RAV4 ranges from $1,546 to $2,046.
• Out of 47 models in the 2024 small SUV segment, the Mazda CX-5 ranks eighth and the Toyota RAV4 ranks 25^th for most affordable car insurance.

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

For 2024 CX-5 and RAV4 models, the model with the lower car insurance rates is the Mazda CX-5. Average insurance rates for the Mazda CX-5 are $1,548 per year, and insurance for a Toyota RAV4 costs an average of $1,748 per year.

For the eight trim levels available for the 2024 Mazda CX-5, the cheapest trim to insure is the 2.5 S Select model at an average cost of $1,450 per year, or around $121 per month. For the 19 trim levels available for the Toyota RAV4, the cheapest 2024 trim to insure is the LE AWD trim at a cost of $1,546 per year, or $129 per month.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level is the Mazda CX-5 2.5 S Select at an average of $1,450 per year, and the highest-cost model and trim level is the Toyota RAV4 Prime XSE AWD at an average of $2,046 per year.

The rate table below ranks the yearly and monthly cost of car insurance for 2024 Mazda CX-5 and Toyota RAV4 models, with average rates for each vehicle.

The chart below displays the average cost to insure the two models for a range of driver ages. For a 2024 Mazda CX-5, the average car insurance cost ranges from $1,370 to $3,098 per year for the age groups used in this illustration. A 2024 Toyota RAV4 costs from $1,556 to $3,514 to insure per year.

The two tables below illustrate average car insurance rates for every trim level for both 2024 models, including an overall average rate. The model with cheapest auto insurance rates for 2024 is the Mazda CX-5.

2023 Mazda CX-5 vs. Toyota RAV4

Insurance rates on a 2023 Mazda CX-5 cost an average of $1,454 per year, and insurance for a Toyota RAV4 costs an average of $1,710 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 $1,342 per year, or around $112 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 $1,534.

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 $1,342 per year, and the most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at an average cost of $1,918 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 $1,282 to $2,880 per year for a 2023 Mazda CX-5, and $1,514 to $3,446 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 $318 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 $1,164 to $2,612 per year for a 2022 Mazda CX-5, and $1,452 to $3,302 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 $1,164 to $2,612 per year for the Mazda CX-5 and $1,452 to $3,302 per year for the Toyota RAV4.
• A 20-year-old driver pays an average of $690 less to insure a Mazda CX-5 than a Toyota RAV4.
• A 40-year-old driver pays an average of $318 less to insure a Mazda CX-5 than a Toyota RAV4.
• Having an at-fault accident could increase insurance rates by up to $520 per year for the Mazda CX-5 and $682 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 $1,402 per year. The most expensive 2022 Toyota RAV4 to insure is the Prime XSE AWD at $1,768 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 $1,204 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 $1,512 per year, or $126 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 $1,204 per year, and the most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD at a cost of $1,768 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 $1,230 to $2,772 per year for the driver ages used. A 2021 Toyota RAV4 costs from $1,456 to $3,296 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 $1,260 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 $1,496 per year, or around $125 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 $1,260 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD at a cost of $1,742 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 $1,194 to $2,688 per year for a 2020 Mazda CX-5, and $1,416 to $3,204 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 $1,226 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 $1,456 per year, or about $121 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 $1,226 per year, and the highest-cost model and trim is the Toyota RAV4 Hybrid XSE AWD at an average of $1,692 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 $1,410 per year to insure and a Toyota RAV4 costs $1,490, making the Mazda CX-5 cheaper to insure by $80 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 $1,256 to $2,854 per year for the age groups used in this illustration. A 2019 Toyota RAV4 costs from $1,328 to $3,000 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 $1,302 per year, or $109 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 $1,378.

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 $1,302 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Limited 4WD at an average of $1,570 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 $1,160 to $2,628 per year for a 2018 Mazda CX-5, and $1,266 to $2,850 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 $1,248 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 $1,326 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 $1,248 per year, and the highest-cost model and trim level is the Toyota RAV4 Platinum 4WD at a cost of $1,552 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 $1,114 to $2,518 per year for a 2017 Mazda CX-5, and $1,240 to $2,788 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 $1,204 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 $1,280 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 $1,204 per year, and the most expensive model and trim level is the Toyota RAV4 Platinum AWD 4WD at an average of $1,496 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 $1,168 per year to insure and the Toyota RAV4 costs $1,292, making the Mazda CX-5 the winner by $124.

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 $1,044 to $2,370 per year for the driver ages used. A 2016 Toyota RAV4 costs from $1,160 to $2,590 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 $1,078 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 $1,220.

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 $1,078 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD costing an average of $1,376 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 $190 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 $892 to $2,002 per year for the included driver ages. A 2015 Toyota RAV4 costs from $1,068 to $2,374 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 $926 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 $1,130 per year, or $94 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 $926 per year. The most expensive model and trim level is the Toyota RAV4 Limited 4WD costing $1,234 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