Toyota RAV4 vs. Mazda CX-5 Insurance Cost

• A 2024 Mazda CX-5 costs less to insure than a 2024 Toyota RAV4 by an average of $200 per year, $1,748 compared to $1,548.
• Average car insurance cost per month for the Toyota RAV4 is 12.4% more expensive than the Mazda CX-5, at $146 versus $129, a difference of $17.
• Out of 47 models in the 2024 small SUV segment, the Toyota RAV4 ranks 25^th 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 $1,748 per year, whereas insurance for a Mazda CX-5 averages $1,548 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 $1,546 per year, or $129 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 $1,450 per year, or $121 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 $1,450 per year, and the highest-cost model and trim is the Toyota RAV4 Prime XSE AWD at a cost of $2,046 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.

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 $1,556 to $3,514 per year for a 2024 Toyota RAV4, and $1,370 to $3,098 for a 2024 Mazda CX-5 for the illustrated age groups.

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.

2023 Toyota RAV4 vs. Mazda CX-5

Car insurance for a 2023 Toyota RAV4 averages $1,710 per year, while insurance for a Mazda CX-5 costs an average of $1,454 per year, making the Mazda CX-5 the better deal by $256 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 $1,534 per year, or $128 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 $1,342 per year, or around $112 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 $1,342 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing $1,918 per year.

On a monthly basis, insurance rates for all 2023 Toyota RAV4 and Mazda CX-5 models and trims range from $112 to $160 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 $1,514 to $3,446 per year for a 2023 Toyota RAV4, and $1,282 to $2,880 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 $1,636 per year, whereas the Mazda CX-5 averages $1,318 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 $1,512 per year for the LE 2WD model up to the highest rate of $1,768 for the Prime XSE AWD model. For a 2022 Mazda CX-5, rates range from $1,204 per year for the S model up to $1,402 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 $1,204 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Prime XSE AWD costing an average of $1,768 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 $100 to $147 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 $318 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 $1,452 to $3,302 per year for the illustrated age groups. A 2022 Mazda CX-5 costs from $1,164 to $2,612 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 $1,512 per year, or $126 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 $1,204.

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 $1,204 per year. The most expensive model and trim level is the Toyota RAV4 Prime XSE AWD at a cost of $1,768 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 $1,456 to $3,296 per year for a 2021 Toyota RAV4, and $1,230 to $2,772 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 $1,496 per year, or around $125 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 $1,260.

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 $1,260 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid XSE AWD costing an average of $1,742 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 $1,416 to $3,204 per year for the age groups used in the chart. A 2020 Mazda CX-5 costs from $1,194 to $2,688 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 $1,456 per year, or $121 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 $1,226 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 $1,226 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average cost of $1,692 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 $1,490 per year to insure and the Mazda CX-5 costs $1,410, making the Mazda CX-5 the winner by $80.

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 $1,328 to $3,000 per year for the included age groups. A 2019 Mazda CX-5 costs from $1,256 to $2,854 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 $1,378 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 $1,302 per year, or about $109 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 $1,302 per year. The most expensive vehicle to insure is the Toyota RAV4 Limited 4WD costing $1,570 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 $1,418 per year to insure and the Mazda CX-5 costs $1,300, 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 $1,266 to $2,850 per year for a 2018 Toyota RAV4, and $1,160 to $2,628 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 $1,326 per year, or $111 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 $1,248.

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 $1,248 per year, and the overall most expensive vehicle to insure is the Toyota RAV4 Platinum 4WD costing an average of $1,552 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 $1,388 per year to insure and a Mazda CX-5 costs $1,246, 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 $1,240 to $2,788 per year for a 2017 Toyota RAV4, and $1,114 to $2,518 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 $1,280 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 $1,204 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 $1,204 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Platinum AWD 4WD costing $1,496 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 $124 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 $1,160 to $2,590 per year. A 2016 Mazda CX-5 costs from $1,044 to $2,370 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 $1,220 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 $1,078 per year, or around $90 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 $1,078 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 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 $190 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 $1,068 to $2,374 per year for these driver ages. A 2015 Mazda CX-5 costs from $892 to $2,002 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 $1,130 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 $926.

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 $926 per year, and the most expensive model and trim level is the Toyota RAV4 Limited 4WD at an average cost of $1,234 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