Toyota RAV4 vs. Mazda CX-5 Insurance Cost

Does the Toyota RAV4 or Mazda CX-5 have cheaper car insurance rates? We compare insurance cost side-by-side on all trim levels to get an answer.

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  • A 2024 Mazda CX-5 costs less to insure than a 2024 Toyota RAV4 by an average of $252 per year, $2,162 compared to $1,910.
  • Average car insurance cost per month for the Toyota RAV4 is 12.4% more expensive than the Mazda CX-5, at $180 versus $159, a difference of $21.
  • Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25th and the Mazda CX-5 ranks eighth for overall insurance affordability.
  • If affordable car insurance is your number one priority, the LE AWD and LE 2WD trims are the cheapest Toyota RAV4 models to insure, while the 2.5 S Select and 2.5 S Preferred trims are the cheapest Mazda CX-5 models to insure.

Is insurance cheaper for a Toyota RAV4 or Mazda CX-5?

For 2024 RAV4 and CX-5 models, the model having cheaper average car insurance is the Mazda CX-5. Insurance cost for the Toyota RAV4 averages $2,162 per year, whereas insurance for a Mazda CX-5 averages $1,910 per year.

Out of 19 Toyota RAV4 trim levels, the cheapest 2024 trim to insure is the LE AWD model at an average cost of $1,908 per year, or $159 per month. Out of the eight trims available for the Mazda CX-5, the cheapest 2024 model to insure is the 2.5 S Select model at a cost of $1,790 per year, or $149 per month.

When trim-level rates for both models are compared, the cheapest trim is the Mazda CX-5 2.5 S Select at an average rate of $1,790 per year, and the highest-cost model and trim is the Toyota RAV4 Prime XSE AWD at a cost of $2,546 per year.

The next table ranks the yearly and monthly cost of car insurance for 2024 Toyota RAV4 and Mazda CX-5 models, showing average cost for each trim level.

2024 Model Year Toyota RAV4 vs. Mazda CX-5 Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,790$149
$1,824$152
$1,858$155
$1,900$158
$1,908$159
$1,954$163
$1,960$163
$1,964$164
$1,974$165
$2,016$168
$2,020$168
$2,064$172
$2,064$172
$2,086$174
$2,114$176
$2,118$177
$2,142$179
$2,148$179
$2,162$180
$2,162$180
$2,186$182
$2,192$183
$2,220$185
$2,248$187
$2,262$189
$2,476$206
$2,546$212

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Mazda CX-5
Annual and monthly insurance cost by trim level for a 2024 Toyota RAV4 and a 2024 Mazda CX-5

The next chart demonstrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. The average car insurance cost ranges from $1,920 to $4,342 per year for a 2024 Toyota RAV4, and $1,690 to $3,820 for a 2024 Mazda CX-5 for the illustrated age groups.

Average car insurance premiums for 2024 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$6,665$5,872
20-Year-Old$4,342$3,820
25-Year-Old$2,510$2,216
30-Year-Old$2,302$2,042
40-Year-Old$2,162$1,910
50-Year-Old$1,920$1,690
60-Year-Old$1,798$1,582

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

The next two rate tables show average car insurance cost by trim level for each 2024 model, as well as an average rate for each model.

2024 Toyota RAV4

$2,162

Insurance Rates by Trim Level for a 2024 Toyota RAV4
2024 Toyota RAV4 TrimsRate
LE AWD$1,908
LE 2WD1,960
XLE 2WD2,016
LE Hybrid AWD2,064
XLE AWD2,064
Limited Hybrid AWD2,086
XLE Hybrid AWD2,114
XSE Hybrid AWD2,118
XLE Premium 2WD2,142
SE Hybrid AWD2,148
Adventure AWD2,162
Woodland Edition Hybrid AWD2,162
XLE Premium AWD2,186
XLE Premium Hybrid AWD2,192
Limited 2WD2,220
TRD Off-Road AWD2,248
Limited AWD2,262
Prime SE AWD2,476
Prime XSE AWD2,546
2024 Toyota RAV4 Average Rate$2,162

2024 Mazda CX-5

$1,910

Insurance Rates by Trim Level for 2024 Toyota RAV4
2024 Mazda CX-5 TrimsRate
2.5 S Select$1,790
2.5 S Preferred1,824
2.5 S Carbon Edition1,858
2.5 S Premium1,900
2.5 S Premium Plus1,954
2.5 Carbon Turbo1,964
2.5 Turbo Premium1,974
2.5 Turbo Signature2,020
2024 Mazda CX-5 Average Rate$1,910

2023 Toyota RAV4 vs. Mazda CX-5

Car insurance for a 2023 Toyota RAV4 averages $2,112 per year, while insurance for a Mazda CX-5 costs an average of $1,794 per year, making the Mazda CX-5 the better deal by $318 per year.

Out of 19 trims for the 2023 Toyota RAV4, the cheapest insurance prices are on the LE 2WD model at a cost of $1,896 per year, or $158 per month.

For the eight trims available for the Mazda CX-5, the cheapest 2023 trim level to insure is the 2.5 S trim at a cost of $1,656 per year, or around $138 per month.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Mazda CX-5 2.5 S at a cost of $1,656 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $2,368 per year.

On a monthly basis, insurance rates for all 2023 Toyota RAV4 and Mazda CX-5 models and trims range from $138 to $197 per month.

The table below compares the 12-month and monthly car insurance cost for 2023 Toyota RAV4 and Mazda CX-5 models, showing average cost for every trim level.

2023 Model Year Toyota RAV4 vs. Mazda CX-5 Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,656$138
$1,710$143
$1,736$145
$1,770$148
$1,810$151
$1,860$155
$1,880$157
$1,896$158
$1,920$160
$1,954$163
$1,954$163
$2,000$167
$2,008$167
$2,052$171
$2,060$172
$2,086$174
$2,092$174
$2,102$175
$2,114$176
$2,140$178
$2,174$181
$2,174$181
$2,206$184
$2,206$184
$2,234$186
$2,298$192
$2,368$197

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Mazda CX-5
Annual and monthly insurance cost by trim level for a 2023 Toyota RAV4 and a 2023 Mazda CX-5

The rate chart below demonstrates the average cost to insure both models with different drivers at the wheel. Average car insurance cost ranges from $1,870 to $4,252 per year for a 2023 Toyota RAV4, and $1,582 to $3,554 for a 2023 Mazda CX-5 for the driver ages used.

Average car insurance premiums for 2023 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$6,543$5,457
20-Year-Old$4,252$3,554
25-Year-Old$2,450$2,082
30-Year-Old$2,250$1,920
40-Year-Old$2,112$1,794
50-Year-Old$1,870$1,582
60-Year-Old$1,752$1,480

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

The two tables below show the cost to insure the available trim levels for both 2023 models, plus the average rate for each model. The 2023 Mazda CX-5 has cheaper average car insurance rates than the 2023 Toyota RAV4.

2023 Toyota RAV4

$2,112

Insurance Rates by Trim Level for a 2023 Toyota RAV4
2023 Toyota RAV4 TrimsRate
LE 2WD$1,896
LE AWD1,954
XLE 2WD1,954
LE Hybrid AWD2,000
XLE AWD2,008
XLE Hybrid AWD2,052
XLE Premium 2WD2,060
SE Hybrid AWD2,086
Woodland Edition Hybrid AWD2,092
XLE Premium AWD2,102
Adventure AWD2,114
XLE Premium Hybrid AWD2,140
Limited 2WD2,174
XSE Hybrid AWD2,174
Limited AWD2,206
TRD Off-Road AWD2,206
Limited Hybrid AWD2,234
Prime SE AWD2,298
Prime XSE AWD2,368
2023 Toyota RAV4 Average Rate$2,112

2023 Mazda CX-5

$1,794

Insurance Rates by Trim Level for 2023 Toyota RAV4
2023 Mazda CX-5 TrimsRate
2.5 S$1,656
2.5 S Select1,710
2.5 S Preferred1,736
2.5 S Carbon Edition1,770
2.5 S Premium1,810
2.5 S Premium Plus1,860
2.5 Turbo1,880
2.5 Turbo Signature1,920
2023 Mazda CX-5 Average Rate$1,794

2022 Toyota RAV4 vs. Mazda CX-5

When comparing the Toyota RAV4 and Mazda CX-5 for the 2022 model year, the model having the cheapest rates is the Mazda CX-5. Insurance cost for the Toyota RAV4 averages $2,018 per year, whereas the Mazda CX-5 averages $1,626 per year.

Within each different model, however, the cost of insurance varies greatly depending on the vehicle trim level. For a 2022 Toyota RAV4, car insurance rates range from $1,866 per year for the LE 2WD model up to the highest rate of $2,182 for the Prime XSE AWD model. For a 2022 Mazda CX-5, rates range from $1,482 per year for the S model up to $1,726 for the most expensive S Preferred model.

When comparing rates for both models from a trim-level perspective, the cheapest model and trim level is the Mazda CX-5 S at an average of $1,482 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $2,182 per year.

For a 2022 Toyota RAV4, the cheapest models are the LE 2WD, LE AWD, and XLE 2WD. The cheapest Mazda CX-5 models include the S, S Select, and S Carbon Edition.

Insurance rates for all 2022 Toyota RAV4 and Mazda CX-5 models range from $124 to $182 per month.

The next table ranks the annual and monthly cost of car insurance for 2022 Toyota RAV4 and Mazda CX-5 models, with average rates for each trim level.

2022 Model Year Toyota RAV4 vs. Mazda CX-5 Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,482$124
$1,534$128
$1,594$133
$1,620$135
$1,646$137
$1,686$141
$1,712$143
$1,726$144
$1,866$156
$1,904$159
$1,910$159
$1,938$162
$1,944$162
$1,976$165
$1,988$166
$1,996$166
$2,012$168
$2,022$169
$2,034$170
$2,066$172
$2,072$173
$2,088$174
$2,092$174
$2,104$175
$2,138$178
$2,182$182

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Mazda CX-5
Annual and monthly insurance cost by trim level for a 2022 Toyota RAV4 and a 2022 Mazda CX-5

For 2022 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 has lower-cost car insurance by an average of $392 per year.

The next chart shows the average cost to insure the two models for a range of driver ages. For a 2022 Toyota RAV4, the average car insurance cost ranges from $1,788 to $4,076 per year for the illustrated age groups. A 2022 Mazda CX-5 costs from $1,436 to $3,224 to insure per year.

Average car insurance premiums for 2022 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$6,273$4,947
20-Year-Old$4,076$3,224
25-Year-Old$2,344$1,888
30-Year-Old$2,152$1,738
40-Year-Old$2,018$1,626
50-Year-Old$1,788$1,436
60-Year-Old$1,676$1,346

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

Out of 18 trim levels for the 2022 Toyota RAV4, the cheapest average insurance prices are on the LE 2WD model at a cost of $1,866 per year, or $156 per month. For the eight trim levels available for the Mazda CX-5, the cheapest 2022 trim level to insure is the S model at a cost of $1,482.

When all 26 trims of both models are combined and compared, the cheapest model and trim level to insure is the Mazda CX-5 S at an average cost of $1,482 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $2,182 per year.

The next two rate tables 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 reigns victorious over the 2022 Toyota RAV4 for the cheapest overall car insurance rates.

2022 Toyota RAV4

$2,018

Insurance Rates by Trim Level for a 2022 Toyota RAV4
2022 Toyota RAV4 TrimsRate
LE 2WD$1,866
LE AWD1,904
XLE 2WD1,910
LE Hybrid AWD1,938
XLE AWD1,944
XLE Hybrid AWD1,976
XLE Premium 2WD1,988
SE Hybrid AWD1,996
XLE Premium AWD2,012
Adventure AWD2,022
XLE Premium Hybrid AWD2,034
XSE Hybrid AWD2,066
Limited 2WD2,072
Limited AWD2,088
TRD Off-Road AWD2,092
Limited Hybrid AWD2,104
Prime SE AWD2,138
Prime XSE AWD2,182
2022 Toyota RAV4 Average Rate$2,018

2022 Mazda CX-5

$1,626

Insurance Rates by Trim Level for 2022 Toyota RAV4
2022 Mazda CX-5 TrimsRate
S$1,482
S Select1,534
S Carbon Edition1,594
S Premium1,620
S Premium Plus1,646
Turbo1,686
Turbo Signature1,712
S Preferred1,726
2022 Mazda CX-5 Average Rate$1,626

2021 Toyota RAV4 vs. Mazda CX-5

For 2021 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 has lower-cost car insurance by an average of $308 per year.

The rate chart below shows the average cost to insure both 2021 models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,796 to $4,068 per year for a 2021 Toyota RAV4, and $1,516 to $3,420 for a 2021 Mazda CX-5.

Average car insurance premiums for 2021 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$6,245$5,257
20-Year-Old$4,068$3,420
25-Year-Old$2,342$1,982
30-Year-Old$2,144$1,822
40-Year-Old$2,020$1,712
50-Year-Old$1,796$1,516
60-Year-Old$1,680$1,420

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

Out of 12 Toyota RAV4 trims, the cheapest 2021 trim to insure is the LE 2WD trim at an average cost of $1,846 per year, or around $154 per month.

For the eight trim levels available for the Mazda CX-5, the cheapest 2021 trim to insure is the Sport 2WD model at a cost of $1,558.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Mazda CX-5 Sport 2WD at an average cost of $1,558 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing an average of $2,150 per year.

The next tables illustrate average cost to insure each trim level for a 2021 Toyota RAV4 and Mazda CX-5, including an overall average cost for each model. The model with the cheapest car insurance rates for 2021 is the Mazda CX-5.

2021 Toyota RAV4

$2,020

Insurance Rates by Trim Level for a 2021 Toyota RAV4
2021 Toyota RAV4 TrimsRate
LE 2WD$1,846
LE 4WD1,912
XLE Premium 2WD1,912
XLE 2WD1,976
XLE 4WD1,976
Hybrid XLE AWD2,020
XLE Premium 4WD2,040
Hybrid LE AWD2,086
Adventure 4WD2,104
Limited 2WD2,104
Limited 4WD2,104
Hybrid XSE AWD2,150
2021 Toyota RAV4 Average Rate$2,020

2021 Mazda CX-5

$1,712

Insurance Rates by Trim Level for 2021 Toyota RAV4
2021 Mazda CX-5 TrimsRate
Sport 2WD$1,558
Sport AWD1,620
Touring 2WD1,620
Touring AWD1,686
Grand Touring 2WD1,752
Grand Touring AWD1,752
Grand Touring Reserve AWD1,814
Signature AWD1,880
2021 Mazda CX-5 Average Rate$1,712

2020 Toyota RAV4 vs. Mazda CX-5

When comparing car insurance rates for the 2020 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 is cheaper by an average of $304 per year.

The chart below shows the average cost to insure the two models for drivers from age 20 to 50. For a 2020 Toyota RAV4, the average cost of car insurance ranges from $1,746 to $3,952 per year for the age groups used in the chart. A 2020 Mazda CX-5 costs from $1,472 to $3,314 to insure per year.

Average car insurance premiums for 2020 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$6,064$5,093
20-Year-Old$3,952$3,314
25-Year-Old$2,276$1,924
30-Year-Old$2,082$1,768
40-Year-Old$1,962$1,658
50-Year-Old$1,746$1,472
60-Year-Old$1,634$1,378

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

Out of 12 Toyota RAV4 trim levels, the cheapest 2020 trim level to insure is the LE 2WD trim at an average cost of $1,798 per year, or $150 per month.

The 2020 Mazda CX-5 has eight trims available, with the cheapest trim to insure being the Sport 2WD trim at an average cost of $1,512 per year.

When average car insurance prices for all 20 trims of both models are combined and sorted by cost, the lowest-cost model and trim to insure is the Mazda CX-5 Sport 2WD at a cost of $1,512 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $2,086 per year.

The rate tables below display the cost to insure the available trim levels for both 2020 models, including an overall average cost for each model. The 2020 Mazda CX-5 has lower-cost car average car insurance rates than the 2020 Toyota RAV4.

2020 Toyota RAV4

$1,962

Insurance Rates by Trim Level for a 2020 Toyota RAV4
2020 Toyota RAV4 TrimsRate
LE 2WD$1,798
LE 4WD1,858
XLE Premium 2WD1,858
XLE 2WD1,920
XLE 4WD1,920
Hybrid XLE AWD1,964
XLE Premium 4WD1,982
Hybrid LE AWD2,024
Adventure 4WD2,042
Limited 2WD2,042
Limited 4WD2,042
Hybrid XSE AWD2,086
2020 Toyota RAV4 Average Rate$1,962

2020 Mazda CX-5

$1,658

Insurance Rates by Trim Level for 2020 Toyota RAV4
2020 Mazda CX-5 TrimsRate
Sport 2WD$1,512
Sport AWD1,574
Touring 2WD1,574
Touring AWD1,636
Grand Touring 2WD1,698
Grand Touring AWD1,698
Grand Touring Reserve AWD1,760
Signature AWD1,820
2020 Mazda CX-5 Average Rate$1,658

2019 Toyota RAV4 vs. Mazda CX-5

When comparing car insurance rates for 2019 models, the Toyota RAV4 costs an average of $1,838 per year to insure and the Mazda CX-5 costs $1,742, making the Mazda CX-5 the winner by $96.

The chart shown below displays the average cost to insure the two models with different ages of drivers. For a 2019 Toyota RAV4, insurance cost ranges from $1,638 to $3,702 per year for the included age groups. A 2019 Mazda CX-5 costs from $1,546 to $3,522 to insure per year.

Average car insurance premiums for 2019 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$5,679$5,422
20-Year-Old$3,702$3,522
25-Year-Old$2,134$2,018
30-Year-Old$1,954$1,852
40-Year-Old$1,838$1,742
50-Year-Old$1,638$1,546
60-Year-Old$1,534$1,450

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

Out of 13 trim levels for the 2019 Toyota RAV4, the cheapest insurance prices are on the LE 2WD trim at a cost of $1,702 per year. For the eight trim levels available for the Mazda CX-5, the cheapest 2019 trim to insure is the Sport 2WD trim at a cost of $1,608 per year, or about $134 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim to insure is the Mazda CX-5 Sport 2WD at a cost of $1,608 per year. The most expensive vehicle to insure is the Toyota RAV4 Limited 4WD costing $1,940 per year.

The next tables display trim level insurance cost averages for both 2019 models, along with an average cost for each model.

2019 Toyota RAV4

$1,838

Insurance Rates by Trim Level for a 2019 Toyota RAV4
2019 Toyota RAV4 TrimsRate
LE 2WD$1,702
Hybrid LE AWD1,754
LE 4WD1,762
XLE 2WD1,762
Hybrid XLE AWD1,804
XLE 4WD1,822
XLE Premium 2WD1,822
Adventure 4WD1,882
XLE Premium 4WD1,882
Hybrid Limited AWD1,920
Hybrid XSE AWD1,930
Limited 2WD1,940
Limited 4WD1,940
2019 Toyota RAV4 Average Rate$1,838

2019 Mazda CX-5

$1,742

Insurance Rates by Trim Level for 2019 Toyota RAV4
2019 Mazda CX-5 TrimsRate
Sport 2WD$1,608
Sport AWD1,608
Touring 2WD1,668
Touring AWD1,726
Grand Touring 2WD1,786
Grand Touring AWD1,786
Grand Touring Reserve AWD1,846
Signature AWD1,904
2019 Mazda CX-5 Average Rate$1,742

2018 Toyota RAV4 vs. Mazda CX-5

When comparing average insurance cost for 2018 models, the Toyota RAV4 costs an average of $1,750 per year to insure and the Mazda CX-5 costs $1,606, making the Mazda CX-5 the winner by $144.

The chart shown below visualizes the average cost to insure both models for drivers aged 20 to 50. The average car insurance cost ranges from $1,562 to $3,514 per year for a 2018 Toyota RAV4, and $1,432 to $3,242 for a 2018 Mazda CX-5.

Average car insurance premiums for 2018 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$5,385$4,981
20-Year-Old$3,514$3,242
25-Year-Old$2,030$1,860
30-Year-Old$1,858$1,704
40-Year-Old$1,750$1,606
50-Year-Old$1,562$1,432
60-Year-Old$1,462$1,340

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

The 2018 Toyota RAV4 has 16 trim levels available, with the cheapest trim level to insure being the LE 2WD model at an average cost of $1,636 per year, or $136 per month.

For the six trim levels available for the Mazda CX-5, the cheapest 2018 model to insure is the Sport 2WD trim at a cost of $1,540.

When car insurance rates for all 22 trims of both models are combined and sorted by cost, the cheapest trim to insure is the Mazda CX-5 Sport 2WD at an average of $1,540 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD costing an average of $1,916 per year.

The tables below show the cost to insure the available trim levels for both 2018 models, plus the average rate for each model. The 2018 Mazda CX-5 has more affordable average car insurance rates than the 2018 Toyota RAV4.

2018 Toyota RAV4

$1,750

Insurance Rates by Trim Level for a 2018 Toyota RAV4
2018 Toyota RAV4 TrimsRate
LE 2WD$1,636
LE 4WD1,636
XLE 2WD1,636
Hybrid LE AWD1,682
Adventure 2WD1,692
XLE 4WD1,692
Hybrid XLE AWD1,724
Adventure 4WD1,748
SE 2WD1,748
Hybrid SE AWD1,794
Limited 2WD1,804
Limited 4WD1,804
SE 4WD1,804
Hybrid Limited AWD1,836
Platinum 2WD1,860
Platinum 4WD1,916
2018 Toyota RAV4 Average Rate$1,750

2018 Mazda CX-5

$1,606

Insurance Rates by Trim Level for 2018 Toyota RAV4
2018 Mazda CX-5 TrimsRate
Sport 2WD$1,540
Sport AWD1,540
Touring 2WD1,596
Touring AWD1,596
Grand Touring 2WD1,652
Grand Touring AWD1,706
2018 Mazda CX-5 Average Rate$1,606

2017 Toyota RAV4 vs. Mazda CX-5

When comparing insurance rates for 2017 models, a Toyota RAV4 costs an average of $1,712 per year to insure and a Mazda CX-5 costs $1,540, making the Mazda CX-5 cheaper to insure by $172 per year for this model year.

The chart below visualizes the average cost to insure both models for drivers aged 20 to 50. Average car insurance cost ranges from $1,532 to $3,440 per year for a 2017 Toyota RAV4, and $1,374 to $3,104 for a 2017 Mazda CX-5 for the illustrated age groups.

Average car insurance premiums for 2017 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$5,262$4,765
20-Year-Old$3,440$3,104
25-Year-Old$1,986$1,782
30-Year-Old$1,816$1,632
40-Year-Old$1,712$1,540
50-Year-Old$1,532$1,374
60-Year-Old$1,430$1,288

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

For the 12 trims available for the 2017 Toyota RAV4, the cheapest trim to insure is the LE 2WD trim at an average cost of $1,584 per year.

The 2017 Mazda CX-5 has six trims available, with the cheapest trim to insure being the Sport 2WD model at an average cost of $1,488 per year.

When average car insurance prices for all 18 trim levels for both 2017 models are compared, the cheapest vehicle to insure is the Mazda CX-5 Sport 2WD at an average cost of $1,488 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing $1,846 per year.

The rate tables below illustrate trim level insurance rates for each 2017 model, as well as the overall average rate for each model. The model with the cheapest average car insurance rates for 2017 is the Mazda CX-5.

2017 Toyota RAV4

$1,712

Insurance Rates by Trim Level for a 2017 Toyota RAV4
2017 Toyota RAV4 TrimsRate
LE 2WD$1,584
LE 4WD1,636
XLE 2WD1,636
Hybrid XLE AWD1,662
SE 2WD1,688
XLE 4WD1,688
Limited 2WD1,742
SE 4WD1,742
Hybrid Limited AWD1,768
Limited 4WD1,794
Platinum 2WD1,794
Platinum AWD 4WD1,846
2017 Toyota RAV4 Average Rate$1,712

2017 Mazda CX-5

$1,540

Insurance Rates by Trim Level for 2017 Toyota RAV4
2017 Mazda CX-5 TrimsRate
Sport 2WD$1,488
Sport AWD1,488
Touring 2WD1,488
Touring AWD1,540
Grand Touring 2WD1,594
Grand Touring AWD1,646
2017 Mazda CX-5 Average Rate$1,540

2016 Toyota RAV4 vs. Mazda CX-5

For 2016 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 has lower-cost car insurance by an average of $164 per year for this model year.

The rate chart below demonstrates the average cost to insure both models for four different driver age groups. For a 2016 Toyota RAV4, the average cost of car insurance ranges from $1,430 to $3,194 per year. A 2016 Mazda CX-5 costs from $1,282 to $2,910 to insure per year.

Average car insurance premiums for 2016 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$4,882$4,471
20-Year-Old$3,194$2,910
25-Year-Old$1,848$1,660
30-Year-Old$1,690$1,518
40-Year-Old$1,598$1,434
50-Year-Old$1,430$1,282
60-Year-Old$1,336$1,202

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

Out of 10 Toyota RAV4 trims, the cheapest 2016 model to insure is the LE 2WD trim at an average cost of $1,506 per year. For the six trim levels available for the Mazda CX-5, the cheapest 2016 trim level to insure is the Sport 2WD model at a cost of $1,320 per year, or around $110 per month.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to insure is the Mazda CX-5 Sport 2WD at an average cost of $1,320 per year, and the most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD costing an average of $1,698 per year.

The rate tables below display the cost to insure the available trim levels for both 2016 models, along with the average rate for each model.

2016 Toyota RAV4

$1,598

Insurance Rates by Trim Level for a 2016 Toyota RAV4
2016 Toyota RAV4 TrimsRate
LE 2WD$1,506
LE 4WD1,506
XLE 2WD1,554
XLE 4WD1,554
Hybrid XLE AWD1,602
SE 2WD1,604
Limited 2WD1,650
Limited 4WD1,650
SE 4WD1,650
Hybrid Limited AWD1,698
2016 Toyota RAV4 Average Rate$1,598

2016 Mazda CX-5

$1,434

Insurance Rates by Trim Level for 2016 Toyota RAV4
2016 Mazda CX-5 TrimsRate
Sport 2WD$1,320
Sport AWD1,416
Touring 2WD1,416
Touring AWD1,450
Grand Touring 2WD1,498
Grand Touring AWD1,498
2016 Mazda CX-5 Average Rate$1,434

2015 Toyota RAV4 vs. Mazda CX-5

For the 2015 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 has cheaper car insurance cost by an average of $234 per year.

The chart shown below displays the average cost to insure both models rated for multiple driver ages. For a 2015 Toyota RAV4, average car insurance cost ranges from $1,318 to $2,930 per year for these driver ages. A 2015 Mazda CX-5 costs from $1,100 to $2,472 to insure per year.

Average car insurance premiums for 2015 Toyota RAV4 and Mazda CX-5 models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Toyota RAV4 and Mazda CX-5 models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Toyota RAV4 and Mazda CX-5. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Toyota RAV4 vs. Mazda CX-5 Insurance Cost
Driver Age Toyota RAV4 Mazda CX-5
18-Year-Old$4,463$3,794
20-Year-Old$2,930$2,472
25-Year-Old$1,692$1,426
30-Year-Old$1,544$1,306
40-Year-Old$1,466$1,232
50-Year-Old$1,318$1,100
60-Year-Old$1,230$1,032

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

The 2015 Toyota RAV4 has six trim levels available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,394 per year.

For the six trims available for the Mazda CX-5, the cheapest 2015 trim level to insure is the Sport 2WD trim at a cost of $1,140.

When rates for all 12 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Mazda CX-5 Sport 2WD at an average of $1,140 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD at an average cost of $1,522 per year.

The two tables below show the cost to insure the available trim levels for both 2015 models, as well as the overall average rate for each model. The winner for the 2015 car insurance rate comparison is the Mazda CX-5.

2015 Toyota RAV4

$1,466

Insurance Rates by Trim Level for a 2015 Toyota RAV4
2015 Toyota RAV4 TrimsRate
LE 2WD$1,394
LE 4WD1,438
XLE 2WD1,438
XLE 4WD1,482
Limited 2WD1,522
Limited 4WD1,522
2015 Toyota RAV4 Average Rate$1,466

2015 Mazda CX-5

$1,232

Insurance Rates by Trim Level for 2015 Toyota RAV4
2015 Mazda CX-5 TrimsRate
Sport 2WD$1,140
Sport AWD1,230
Touring 2WD1,230
Grand Touring 2WD1,260
Touring AWD1,260
Grand Touring AWD1,274
2015 Mazda CX-5 Average Rate$1,232

Additional Toyota RAV4 and Mazda CX-5 Resources