Mazda CX-5 Car Insurance Rates for 2023

How much is car insurance for a Mazda CX-5?

We surveyed average insurance prices from the 2.5 S trim to the 2.5 Turbo Signature model to see how CX-5 insurance ranks when compared to similar vehicles.

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  • Mazda CX-5 insurance costs $1,422 per year ($119 per month) on average for a full coverage policy for a 2023 model.
  • The Mazda CX-5 is one of the cheaper small SUVs to insure for the 2023 model year, costing $227 less per year on average as compared to other small SUVs
  • The cheapest CX-5 to insure is the 2.5 S trim level at an estimated $1,312 per year. The most expensive is the 2.5 Turbo Signature at $1,522 annually.

How much does Mazda CX-5 car insurance cost?

Average monthly car insurance cost on a 2023 Mazda CX-5 ranges from $109 to $127, with the 2.5 S being cheapest and the 2.5 Turbo Signature costing the most to insure.

Compared to other small SUVs, average Mazda CX-5 insurance costs 14.8% less than the segment average and 19.4% less than the all-vehicle national average rate of $1,728.

The following chart displays average 2023 Mazda CX-5 insurance cost using a range of driver ages, deductible levels, and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Mazda CX-5 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Mazda CX-5 trim levels.Data last updated on August 11, 2023
Mazda CX-5 Insurance Cost Summary
2023 Mazda CX-5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,188$266
Safe Driver Age 20$2,794$233
At-fault Accidents Age 40$1,974$165
Low Deductibles Age 40$1,904$159
Safe Driver Age 30$1,512$126
Safe Driver Age 40$1,422$119
Safe Driver Age 50$1,294$108
Safe Driver Age 60$1,268$106
Discount Rate Age 40$1,184$99
High Deductibles Age 40$1,174$98

The rates in the previous chart seem to have a fairly wide range, from $1,184 for a 40-year-old driver who qualifies for a discount rate, up to $3,188 for a 30-year-old driver with high-risk insurance.

In reality, liability-only insurance on a Mazda CX-5 could cost well under $300 a year in cheaper parts of the country, while a 16-year-old male driver with a few citations and accidents could have to pay $11,258 a year in some locations for a full coverage policy.

The table below details average car insurance rates for the 2013 through 2023 model years for five different driver age categories.

Mazda CX-5 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Mazda CX-5$2,794$1,422$1,268
2022 Mazda CX-5$2,532$1,288$1,150
2021 Mazda CX-5$2,680$1,356$1,212
2020 Mazda CX-5$2,644$1,334$1,196
2019 Mazda CX-5$2,822$1,414$1,266
2018 Mazda CX-5$2,656$1,328$1,194
2017 Mazda CX-5$2,542$1,272$1,144
2016 Mazda CX-5$2,462$1,226$1,102
2015 Mazda CX-5$2,076$1,046$942
2014 Mazda CX-5$2,420$1,212$1,086
2013 Mazda CX-5$2,154$1,082$972

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Mazda CX-5 Insurance Rates by Model Year

Mazda CX-5 insurance cost vs. the competition

The Mazda CX-5 ranks fifth out of 47 comparison vehicles in the small SUV class for the 2023 model year. The CX-5 costs an average of $1,422 per year for insurance and the class average rate is $1,649 per year, a difference of $227 less per year.

When compared directly to the top-selling other small SUVs, car insurance for a Mazda CX-5 costs $254 less per year than the cost of Toyota RAV4 insurance, $112 less than Honda CR-V insurance, $208 less than Chevy Equinox insurance, and $244 less than Nissan Rogue insurance rates.

The table below shows how average car insurance rates for a CX-5 compare to the entire U.S. compact SUV segment. Vehicles are ranked by average annual car insurance cost, and the difference calculation indicates how much cheaper or more expensive each model is than the Mazda CX-5.

Insurance Cost Comparison: Mazda CX-5 vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,370-$52
2Subaru Crosstrek$1,380-$42
3Nissan Kicks$1,386-$36
4Nissan Rogue Sport$1,412-$10
5Mazda CX-5$1,422--
6Buick Encore$1,442$20
7Buick Envision$1,446$24
8Kia Seltos$1,466$44
9Hyundai Venue$1,478$56
10Honda HR-V$1,508$86
11Hyundai Kona$1,518$96
12Subaru Forester$1,526$104
13Honda CR-V$1,534$112
14Mazda CX-30$1,538$116
15Chevrolet Trax$1,558$136
16Volkswagen Tiguan$1,572$150
17Ford Bronco Sport$1,576$154
18Fiat 500X$1,606$184
19GMC Terrain$1,608$186
20Kia Soul$1,614$192
21Mitsubishi Eclipse Cross$1,616$194
22Chevrolet Equinox$1,630$208
23Toyota Corolla Cross$1,634$212
24Volkswagen Taos$1,640$218
25Mazda CX-50$1,652$230
26Hyundai Tucson$1,656$234
27Ford Escape$1,660$238
28Nissan Rogue$1,666$244
29Toyota RAV4$1,676$254
30Mazda MX-30$1,680$258
31Kia Niro$1,682$260
32Mini Cooper$1,690$268
33Jeep Compass$1,700$278
34Mini Cooper Clubman$1,720$298
35Jeep Renegade$1,746$324
36Chevrolet Bolt$1,756$334
37Toyota bz4X$1,758$336
38Kia Sportage$1,810$388
39Hyundai Ioniq 5$1,814$392
40Mini Cooper Countryman$1,860$438
41Mitsubishi Mirage$1,868$446
42Mitsubishi Outlander$1,872$450
43Volkswagen ID4$1,880$458
44Kia EV6$1,920$498
45Dodge Hornet$1,922$500
46Hyundai Nexo$1,990$568
47Ford Mustang Mach-E$2,048$626

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Insurance Cost Comparison: Mazda CX-5 vs Small SUVs

Which CX-5 has the cheapest insurance?

The cheapest model of Mazda CX-5 to insure is the 2.5 S at $1,312 per year, or about $109 per month. The second cheapest model is the 2.5 S Select at $1,356 per year, and the third cheapest trim to insure is the CX-5 2.5 S Preferred at $1,376 per year.

The most expensive models of Mazda CX-5 to insure are the 2.5 Turbo Signature at $1,522 and the 2.5 Turbo at $1,488 per year. Those trim levels will cost an extra $210 and $176 per year, respectively, over the lowest cost 2.5 S model.

The table below shows average car insurance cost for various policy lengths for the 2023 Mazda CX-5.

2023 Mazda CX-5 Insurance Cost by Trim Level
Mazda CX-5 Trim Level Annual Policy Six-Month Policy Per Month
2.5 S$1,312$656$109
2.5 S Select$1,356$678$113
2.5 S Preferred$1,376$688$115
2.5 S Carbon Edition$1,404$702$117
2.5 S Premium$1,436$718$120
2.5 S Premium Plus$1,474$737$123
2.5 Turbo$1,488$744$124
2.5 Turbo Signature$1,522$761$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Mazda CX-5, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Mazda CX-5 Insurance Cost by Trim Level

Final thoughts on Mazda CX-5 insurance rates

Some additional thoughts on rates, policy discounts, and possible savings tips are below.

  • Raising deductibles makes insurance more affordable. Boosting your deductibles from $500 to $1,000 could save around $248 per year for a 40-year-old driver and $482 per year for a 20-year-old driver.
  • Low deductibles make Mazda CX-5 car insurance more expensive. Lowering deductibles from $500 to $250 could cost an additional $258 per year for a 40-year-old driver and $508 per year for a 20-year-old driver.
  • Clean up your credit for better rates. Having a high credit rating of over 800 could save as much as $223 per year over a good rating of 670-739. Conversely, a below-average credit score could cost around $259 more per year. Not all states allow credit information to be used when determining insurance rates, so that discount may not be available where you live.
  • Gender and age affect the rate you pay. For a 2023 Mazda CX-5, a 20-year-old man will have an average rate of $2,794 per year, while a 20-year-old female driver will pay $2,074, a difference of $720 per year in favor of the women by a long shot. But by age 50, male rates are $1,294 and female driver rates are $1,268, a difference of only $26.
  • Don’t be a negligent driver. Having multiple accidents could cost you more, possibly by an additional $1,930 per year for a 20-year-old driver and even as much as $422 per year for a 50-year-old driver.
  • Your choice of occupation could save you a few bucks. The vast majority of auto insurance companies offer policy discounts for being employed in professions like scientists, firefighters, police officers and law enforcement, accountants, farmers, and other occupations. Working in a qualifying occupation may save between $43 and $183 on your annual auto insurance bill, depending on the age of the rated driver.
  • Policy discounts save money. Discounts may be available if the policyholders are accident-free, sign their policy early, insure their home and car with the same company, take a defensive driving course, or many other policy discounts which could save the average driver as much as $238 per year on the cost of insuring a Mazda CX-5.