Mazda CX-5 Car Insurance Rates for 2022

How much does Mazda CX-5 insurance cost? We compare auto insurance rates from the base Sport 2WD model up to the loaded Signature AWD trim to find out how CX-5 insurance ranks against all other compact SUVs.

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  • Mazda CX-5 insurance costs $1,158 per year ($97 per month) on average for a full coverage policy.
  • The Mazda CX-5 is one of the cheaper small SUVs to insure for the 2022 model year, costing $268 less per year on average as compared to other small SUVs
  • The cheapest CX-5 to insure is the S trim level at an estimated $1,058 per year. The most expensive is the S Preferred at $1,230 annually.

How much does Mazda CX-5 car insurance cost?

Average monthly car insurance cost on a 2022 Mazda CX-5 ranges from $88 to $103, with the S being cheapest and the S Preferred costing the most to insure.

Compared to other small SUVs, average Mazda CX-5 insurance costs 18.8% less than the segment average and 26.1% less than the all-vehicle national average rate of $1,567.

The following chart displays average 2022 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 2022 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 September 27, 2022
Mazda CX-5 Insurance Cost Summary
Mazda CX-5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,596$216
Safe Driver Age 20$2,274$190
At-fault Accidents Age 40$1,610$134
Low Deductibles Age 40$1,542$129
Safe Driver Age 30$1,230$103
Safe Driver Age 40$1,158$97
Safe Driver Age 50$1,056$88
Safe Driver Age 60$1,036$86
Discount Rate Age 40$966$81
High Deductibles Age 40$962$80

The rates in the previous chart seem to have a fairly wide range, from $966 for a 40-year-old driver who qualifies for a discount rate, up to $2,596 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 $12,632 a year in some locations for a full coverage policy.

The table below details average car insurance rates for the 2013 through 2022 model years for five different driver age categories.

Mazda CX-5 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,274$1,230$1,158$1,056$1,036
2021$2,394$1,278$1,212$1,102$1,084
2020$2,350$1,254$1,188$1,082$1,064
2019$2,534$1,332$1,270$1,160$1,140
2018$2,382$1,250$1,196$1,092$1,072
2017$2,312$1,212$1,160$1,058$1,040
2016$2,226$1,154$1,110$1,016$998
2015$1,918$1,010$964$884$868
2014$2,196$1,136$1,098$1,004$986
2013$1,950$1,014$980$896$880

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume 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 September 27, 2022
Mazda CX-5 Insurance Rates by Model Year

 

The CX-5 vs other small SUVs: Which insurance is cheapest?

The Mazda CX-5 ranks #1 out of 46 comparison vehicles in the small SUV class. The CX-5 costs an average of $1,158 per year for insurance and the class average rate is $1,426 per year, a difference of $268 per year.

When compared directly to the top-selling other small SUVs, car insurance for a Mazda CX-5 costs $282 less per year than the cost of Toyota RAV4 insurance, $178 less than Honda CR-V insurance, $266 less than Chevy Equinox insurance, and $334 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
1Mazda CX-5$1,158--
2Nissan Kicks$1,190$32
3Chevrolet Trailblazer$1,196$38
4Subaru Crosstrek$1,224$66
5Toyota C-HR$1,254$96
6Buick Encore$1,260$102
7Nissan Rogue Sport$1,272$114
8Hyundai Venue$1,294$136
9Buick Envision$1,298$140
10Kia Seltos$1,300$142
11Toyota Corolla Cross$1,310$152
12Hyundai Kona$1,318$160
13Subaru Forester$1,320$162
14Volkswagen Tiguan$1,324$166
15Honda CR-V$1,336$178
16Mazda CX-30$1,350$192
17Honda HR-V$1,370$212
18Ford Ecosport$1,380$222
19Chevrolet Trax$1,398$240
20GMC Terrain$1,404$246
21Mitsubishi Eclipse Cross$1,408$250
22Hyundai Tucson$1,416$258
23Chevrolet Bolt$1,420$262
24Chevrolet Equinox$1,424$266
25Volkswagen Taos$1,428$270
26Fiat 500X$1,434$276
27Toyota RAV4$1,440$282
28Kia Soul$1,442$284
29Mazda MX-30$1,472$314
30Jeep Compass$1,478$320
31Kia Niro$1,480$322
32Nissan Rogue$1,492$334
33Ford Escape$1,498$340
34Hyundai Ioniq 5$1,514$356
35Mini Cooper Clubman$1,516$358
36Jeep Renegade$1,518$360
37Kia Sportage$1,524$366
38Ford Bronco$1,532$374
39Volkswagen ID4$1,554$396
40Mini Cooper$1,564$406
41Mini Cooper Countryman$1,582$424
42Mitsubishi Outlander$1,640$482
43Mitsubishi Mirage$1,658$500
44Ford Mustang Mach-E$1,726$568
45Hyundai Nexo$1,744$586
46Jeep Wrangler$1,746$588

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 September 27, 2022
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 S at $1,058 per year, or about $88 per month. The second cheapest model is the S Select at $1,094 per year, and the third cheapest trim to insure is the CX-5 S Carbon Edition at $1,138 per year.

The most expensive models of Mazda CX-5 to insure are the S Preferred at $1,230 and the Turbo Signature at $1,222 per year. Those trim levels will cost an extra $172 and $164 per year, respectively, over the lowest cost S model.

The table below shows average car insurance cost for various policy lengths for the 2022 Mazda CX-5.

2022 Mazda CX-5 Insurance Cost by Trim Level
Mazda CX-5 Trim Level Annual Policy 6-month Policy Per Month
S$1,058$529$88
S Select$1,094$547$91
S Carbon Edition$1,138$569$95
S Premium$1,156$578$96
S Premium Plus$1,176$588$98
Turbo$1,202$601$100
Turbo Signature$1,222$611$102
S Preferred$1,230$615$103

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 27, 2022
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 $196 per year for a 40-year-old driver and $382 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 $208 per year for a 40-year-old driver and $406 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 $182 per year over a good rating of 670-739. Conversely, a below average credit score could cost around $211 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 2022 Mazda CX-5, a 20-year-old man will have an average rate of $2,274 per year, while a 20-year-old female driver will pay $1,690, a difference of $584 per year in favor of the women by a long shot. But by age 50, male rates are $1,056 and female driver rates are $1,034, a difference of only $22.
  • Don’t be a negligent driver. Having multiple accidents could cost you more, possibly by an additional $1,574 per year for a 20-year-old driver and even as much as $346 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 $35 and $159 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 $192 per year on the cost of insuring a Mazda CX-5.