Toyota RAV4 vs. Mazda CX-5 Insurance Cost

• A 2023 Mazda CX-5 costs less to insure than a 2023 Toyota RAV4 by an average of $248 per year, $1,634 compared to $1,386.
• Average car insurance cost per month for the Toyota RAV4 is 15.9% more expensive than the Mazda CX-5, at $136 versus $116, a difference of $20.
• Out of 47 models in the 2023 small SUV segment, the Toyota RAV4 ranks 29^th and the Mazda CX-5 ranks fifth for overall insurance affordability.
• If affordable car insurance is your number one priority, the LE 2WD and LE AWD trims are the cheapest Toyota RAV4 models to insure, while the 2.5 S and 2.5 S Select trims are the cheapest Mazda CX-5 models to insure.

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

Car insurance for a 2023 Toyota RAV4 averages $1,634 per year, while insurance for a Mazda CX-5 costs an average of $1,386 per year, making the Mazda CX-5 the better deal by $248 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 $1,468 per year, or $122 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 $1,280 per year, or around $107 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 $1,280 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $1,830 per year.

On a monthly basis, insurance rates for all 2023 Toyota RAV4 and Mazda CX-5 models and trims range from $107 to $153 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.

The rate chart below demonstrates the average cost to insure both models with different drivers at the wheel. Average car insurance cost ranges from $1,490 to $3,252 per year for a 2023 Toyota RAV4, and $1,260 to $2,722 for a 2023 Mazda CX-5 for the driver ages used.

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.

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 $1,562 per year, whereas the Mazda CX-5 averages $1,256 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 $1,446 per year for the LE 2WD model up to the highest rate of $1,686 for the Prime XSE AWD model. For a 2022 Mazda CX-5, rates range from $1,146 per year for the S model up to $1,330 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 $1,146 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $1,686 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 $96 to $141 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.

For 2022 Toyota RAV4 and Mazda CX-5 models, the Mazda CX-5 has lower-cost car insurance by an average of $306 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 $1,426 to $3,114 per year for the illustrated age groups. A 2022 Mazda CX-5 costs from $1,142 to $2,466 to insure per year.

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 $1,446 per year, or $121 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 $1,146.

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 $1,146 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $1,686 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.

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 $248 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 $1,426 to $3,114 per year for a 2021 Toyota RAV4, and $1,204 to $2,612 for a 2021 Mazda CX-5.

Out of 12 Toyota RAV4 trims, the cheapest 2021 trim to insure is the LE 2WD trim at an average cost of $1,436 per year, or around $120 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 $1,204.

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 $1,204 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing an average of $1,666 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.

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 $244 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 $1,410 to $3,076 per year for the age groups used in the chart. A 2020 Mazda CX-5 costs from $1,186 to $2,576 to insure per year.

Out of 12 Toyota RAV4 trim levels, the cheapest 2020 trim level to insure is the LE 2WD trim at an average cost of $1,418 per year, or $118 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 $1,188 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 $1,188 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,642 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.

2019 Toyota RAV4 vs. Mazda CX-5

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

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 $1,330 to $2,898 per year for the included age groups. A 2019 Mazda CX-5 costs from $1,258 to $2,748 to insure per year.

Out of 13 trim levels for the 2019 Toyota RAV4, the cheapest insurance prices are on the LE 2WD trim at a cost of $1,356 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 $1,274 per year, or about $106 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 $1,274 per year. The most expensive vehicle to insure is the Toyota RAV4 Limited 4WD costing $1,538 per year.

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

2018 Toyota RAV4 vs. Mazda CX-5

When comparing average insurance cost for 2018 models, the Toyota RAV4 costs an average of $1,412 per year to insure and the Mazda CX-5 costs $1,294, making the Mazda CX-5 the winner by $118.

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 $1,290 to $2,810 per year for a 2018 Toyota RAV4, and $1,184 to $2,586 for a 2018 Mazda CX-5.

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 $1,324 per year, or $110 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 $1,244.

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 $1,244 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD costing an average of $1,544 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.

2017 Toyota RAV4 vs. Mazda CX-5

When comparing insurance rates for 2017 models, a Toyota RAV4 costs an average of $1,384 per year to insure and a Mazda CX-5 costs $1,242, making the Mazda CX-5 cheaper to insure by $142 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 $1,262 to $2,746 per year for a 2017 Toyota RAV4, and $1,134 to $2,474 for a 2017 Mazda CX-5 for the illustrated age groups.

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 $1,282 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 $1,200 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 $1,200 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing $1,488 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.

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 $126 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 $1,208 to $2,624 per year. A 2016 Mazda CX-5 costs from $1,096 to $2,398 to insure per year.

Out of 10 Toyota RAV4 trims, the cheapest 2016 model to insure is the LE 2WD trim at an average cost of $1,248 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 $1,102 per year, or around $92 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 $1,102 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 rate tables below display the cost to insure the available trim levels for both 2016 models, along with the average rate for each model.

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 $202 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 $1,116 to $2,412 per year for these driver ages. A 2015 Mazda CX-5 costs from $934 to $2,024 to insure per year.

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 $1,164 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 $946.

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 $946 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD at an average cost of $1,268 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.

Additional Toyota RAV4 and Mazda CX-5 Resources

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