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