- Mazda CX-5 insurance costs $1,222 per year ($102 per month) on average for a full coverage policy.
- The Mazda CX-5 is one of the cheaper small SUVs to insure for the 2021 model year, costing $135 less per year on average as compared to other small SUVs
- The cheapest CX-5 to insure is the Sport 2WD trim level at an estimated $1,112 per year. The most expensive is the Signature AWD at $1,342 annually.
How much does Mazda CX-5 car insurance cost?
Mazda CX-5 insurance costs an average of $1,222 a year for full coverage, or about $102 a month. Comprehensive coverage costs around $316 a year, liability/medical will cost approximately $356, and the remaining collision insurance costs around $550.
Compared to other small SUVs, average Mazda CX-5 insurance costs 9.9% less than the segment average and 19.8% less than the all-vehicle national average rate of $1,523.
The following chart displays average 2021 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 $1,018 for a 40-year-old driver who qualifies for a discount rate, up to $2,750 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 $13,554 a year in some locations for a full coverage policy.
The table below details average car insurance rates for the 2013 through 2021 model years for five different driver age categories.
| Model Year | Driver Age 20 | Driver Age 30 | Driver Age 40 | Driver Age 50 | Driver Age 60 |
|---|---|---|---|---|---|
| 2021 | $2,410 | $1,294 | $1,222 | $1,112 | $1,090 |
| 2020 | $2,352 | $1,258 | $1,192 | $1,084 | $1,064 |
| 2019 | $2,522 | $1,330 | $1,266 | $1,154 | $1,134 |
| 2018 | $2,398 | $1,262 | $1,204 | $1,098 | $1,078 |
| 2017 | $2,328 | $1,222 | $1,168 | $1,066 | $1,048 |
| 2016 | $2,272 | $1,182 | $1,130 | $1,036 | $1,018 |
| 2015 | $1,950 | $1,026 | $978 | $894 | $878 |
| 2014 | $2,260 | $1,170 | $1,126 | $1,034 | $1,014 |
| 2013 | $1,994 | $1,040 | $1,002 | $918 | $900 |
The CX-5 vs other small SUVs: Which insurance is cheapest?
The Mazda CX-5 ranks #3 out of 41 comparison vehicles in the small SUV class. The CX-5 costs an average of $1,222 per year for insurance and the class average rate is $1,357 per year, a difference of $135 per year.
When compared directly to the top-selling other small SUVs, car insurance for a Mazda CX-5 costs $214 less per year than the cost of Toyota RAV4 insurance, $16 more than Honda CR-V insurance, $60 less than Chevy Equinox insurance, and $112 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 | Mazda CX-3 | $1,160 | -$62 |
| 2 | Honda CR-V | $1,206 | -$16 |
| 3 | Mazda CX-5 | $1,222 | -- |
| 4 | Mazda CX-30 | $1,226 | $4 |
| 5 | Ford Ecosport | $1,230 | $8 |
| 6 | Toyota C-HR | $1,234 | $12 |
| 7 | Nissan Rogue Sport | $1,242 | $20 |
| 8 | Hyundai Kona | $1,244 | $22 |
| 9 | Chevrolet Trax | $1,246 | $24 |
| 10 | Buick Envision | $1,254 | $32 |
| 11 | Nissan Kicks | $1,256 | $34 |
| 12 | Hyundai Venue | $1,258 | $36 |
| 13 | Mitsubishi Eclipse Cross | $1,260 | $38 |
| 14 | Hyundai Tucson | $1,264 | $42 |
| 15 | Kia Sportage | $1,268 | $46 |
| 16 | Jeep Compass | $1,270 | $48 |
| 17 | Kia Soul | $1,274 | $52 |
| 18 | Chevrolet Equinox | $1,282 | $60 |
| 19 | Chevrolet Trailblazer | $1,290 | $68 |
| 20 | Honda HR-V | $1,302 | $80 |
| 21 | Volkswagen Tiguan | $1,308 | $86 |
| 22 | Subaru Forester | $1,318 | $96 |
| 23 | Ford Escape | $1,328 | $106 |
| 24 | Buick Encore | $1,334 | $112 |
| 25 | Subaru Crosstrek | $1,334 | $112 |
| 26 | Nissan Rogue | $1,334 | $112 |
| 27 | Kia Seltos | $1,344 | $122 |
| 28 | GMC Terrain | $1,346 | $124 |
| 29 | Volkswagen ID4 | $1,382 | $160 |
| 30 | Fiat 500X | $1,386 | $164 |
| 31 | Jeep Renegade | $1,394 | $172 |
| 32 | Toyota RAV4 | $1,436 | $214 |
| 33 | Kia Niro | $1,450 | $228 |
| 34 | Mini Cooper Countryman | $1,486 | $264 |
| 35 | Mini Cooper | $1,512 | $290 |
| 36 | Mitsubishi Mirage | $1,540 | $318 |
| 37 | Ford Bronco | $1,612 | $390 |
| 38 | Mini Cooper Clubman | $1,650 | $428 |
| 39 | Mitsubishi Outlander | $1,678 | $456 |
| 40 | Jeep Wrangler | $1,706 | $484 |
| 41 | Hyundai Nexo | $1,788 | $566 |
Which CX-5 has the cheapest insurance?
The cheapest model of Mazda CX-5 to insure is the Sport 2WD at $1,112 per year, or about $93 per month. The second cheapest model is the Sport AWD at $1,158 per year, and the third cheapest trim to insure is the CX-5 Touring 2WD at $1,158 per year.
The most expensive models of Mazda CX-5 to insure are the Signature AWD at $1,342 and the Grand Touring Reserve AWD at $1,296 per year. Those trim levels will cost an extra $230 and $184 per year, respectively, over the lowest cost Sport 2WD model.
The table below shows average car insurance cost for various policy lengths for the 2021 Mazda CX-5.
| Mazda CX-5 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Sport 2WD | $1,112 | $556 | $93 |
| Sport AWD | $1,158 | $579 | $97 |
| Touring 2WD | $1,158 | $579 | $97 |
| Touring AWD | $1,204 | $602 | $100 |
| Grand Touring 2WD | $1,250 | $625 | $104 |
| Grand Touring AWD | $1,250 | $625 | $104 |
| Grand Touring Reserve AWD | $1,296 | $648 | $108 |
| Signature AWD | $1,342 | $671 | $112 |
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 $198 per year for a 40-year-old driver and $384 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 $204 per year for a 40-year-old driver and $400 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 $192 per year over a good rating of 670-739. Conversely, a below average credit score could cost around $222 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 2021 Mazda CX-5, a 20-year-old man will have an average rate of $2,410 per year, while a 20-year-old female driver will pay $1,792, a difference of $618 per year in favor of the women by a long shot. But by age 50, male rates are $1,112 and female driver rates are $1,090, a difference of only $22.
- Don’t be a negligent driver. Having multiple accidents could cost you more, possibly by an additional $1,676 per year for a 20-year-old driver and even as much as $376 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 $37 and $151 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 $204 per year on the cost of insuring a Mazda CX-5.
