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 $1,386 per year ($116 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 $220 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 $1,280 per year. The most expensive is the 2.5 Turbo Signature at $1,484 annually.

How much does Mazda CX-5 car insurance cost?

Average monthly car insurance cost on a 2023 Mazda CX-5 ranges from $107 to $124, 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 13.7% less than the segment average and 17.7% less than the all-vehicle national average rate of $1,685.

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 January 23, 2023
Mazda CX-5 Insurance Cost Summary
Mazda CX-5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,108$259
Safe Driver Age 20$2,722$227
At-fault Accidents Age 40$1,922$160
Low Deductibles Age 40$1,854$155
Safe Driver Age 30$1,474$123
Safe Driver Age 40$1,386$116
Safe Driver Age 50$1,260$105
Safe Driver Age 60$1,238$103
Discount Rate Age 40$1,154$96
High Deductibles Age 40$1,144$95

The rates in the previous chart seem to have a fairly wide range, from $1,154 for a 40-year-old driver who qualifies for a discount rate, up to $3,108 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 hvae to pay $11,146 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$2,722$1,386$1,238
2022 Mazda CX-5$2,466$1,256$1,120
2021 Mazda CX-5$2,612$1,320$1,184
2020 Mazda CX-5$2,576$1,302$1,164
2019 Mazda CX-5$2,748$1,378$1,236
2018 Mazda CX-5$2,586$1,294$1,164
2017 Mazda CX-5$2,474$1,242$1,116
2016 Mazda CX-5$2,398$1,194$1,078
2015 Mazda CX-5$2,024$1,020$916
2014 Mazda CX-5$2,356$1,180$1,056
2013 Mazda CX-5$2,096$1,054$950

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 January 23, 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 $1,386 per year for insurance and the class average rate is $1,606 per year, a difference of $220 less per year.

When compared directly to the top-selling other small SUVs, car insurance for a Mazda CX-5 costs $248 less per year than the cost of Toyota RAV4 insurance, $110 less than Honda CR-V insurance, $202 less than Chevy Equinox insurance, and $236 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$1,334-$52
2Subaru Crosstrek$1,346-$40
3Nissan Kicks$1,354-$32
4Nissan Rogue Sport$1,378-$8
5Mazda CX-5$1,386--
6Buick Encore$1,406$20
7Buick Envision$1,410$24
8Kia Seltos$1,430$44
9Hyundai Venue$1,440$54
10Honda HR-V$1,464$78
11Hyundai Kona$1,480$94
12Subaru Forester$1,486$100
13Honda CR-V$1,496$110
14Mazda CX-30$1,498$112
15Chevrolet Trax$1,514$128
16Volkswagen Tiguan$1,532$146
17Ford Bronco Sport$1,536$150
18Fiat 500X$1,564$178
19GMC Terrain$1,566$180
20Kia Soul$1,568$182
21Mitsubishi Eclipse Cross$1,572$186
22Chevrolet Equinox$1,588$202
23Toyota Corolla Cross$1,592$206
24Volkswagen Taos$1,600$214
25Mazda CX-50$1,610$224
26Hyundai Tucson$1,614$228
27Ford Escape$1,616$230
28Nissan Rogue$1,622$236
29Toyota RAV4$1,634$248
30Mazda MX-30$1,636$250
31Kia Niro$1,638$252
32Mini Cooper$1,648$262
33Jeep Compass$1,652$266
34Mini Cooper Clubman$1,674$288
35Jeep Renegade$1,698$312
36Chevrolet Bolt$1,710$324
37Toyota bz4X$1,716$330
38Kia Sportage$1,760$374
39Hyundai Ioniq 5$1,764$378
40Mini Cooper Countryman$1,812$426
41Mitsubishi Mirage$1,818$432
42Mitsubishi Outlander$1,820$434
43Volkswagen ID4$1,832$446
44Kia EV6$1,870$484
45Dodge Hornet$1,872$486
46Hyundai Nexo$1,938$552
47Ford Mustang Mach-E$1,996$610

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 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 $1,280 per year, or about $107 per month. The second cheapest model is the 2.5 S Select at $1,322 per year, and the third cheapest trim to insure is the CX-5 2.5 S Preferred at $1,342 per year.

The most expensive models of Mazda CX-5 to insure are the 2.5 Turbo Signature at $1,484 and the 2.5 Turbo at $1,452 per year. Those trim levels will cost an extra $204 and $172 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 6-month Policy Per Month
2.5 S$1,280$640$107
2.5 S Select$1,322$661$110
2.5 S Preferred$1,342$671$112
2.5 S Carbon Edition$1,368$684$114
2.5 S Premium$1,400$700$117
2.5 S Premium Plus$1,436$718$120
2.5 Turbo$1,452$726$121
2.5 Turbo Signature$1,484$742$124

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 January 23, 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 $242 per year for a 40-year-old driver and $470 per year for a 20-year-old driver.
  • Low deductibles makes Mazda CX-5 car insurance more expensive. Lowering deductibles from $500 to $250 could cost an additional $252 per year for a 40-year-old driver and $496 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 $218 per year over a good rating of 670-739. Conversely, a below average credit score could cost around $252 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 $2,722 per year, while a 20-year-old female driver will pay $2,020, a difference of $702 per year in favor of the women by a long shot. But by age 50, male rates are $1,260 and female driver rates are $1,234, a difference of only $26.
  • Don’t be a negligent driver. Having multiple accidents could cost you more, possibly by an additional $1,880 per year for a 20-year-old driver and even as much as $410 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 $42 and $178 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 $232 per year on the cost of insuring a Mazda CX-5.