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