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Mazda CX-5 Car Insurance

Edited by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: February 26th, 2024

The average cost to insure a Mazda CX-5 is $1,941 a year. However, the price you’ll pay for Mazda CX-5 insurance will depend on the year and trim level of your specific Mazda CX-5. Other factors, like where you live, will also affect your rates.

What does it cost to insure my Mazda CX-5?

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Mazda CX-5 Car Insurance

  • The average cost to insure a Mazda CX-5 is $1,941 a year
  • The year, trim level, and where you live are all factors that affect your rate

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Picture of Written by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Written by Alyssa DiCrasto
Picture of Edited by <a href="https://rateretriever.com/about/rob-deming/"><span style="text-decoration: underline;">Rob Deming</span></a>
Edited by Rob Deming

Last updated: May 20th, 2024

What's on this page?

How much does it cost to insure a Mazda CX-5?

The cost of car insurance for a Mazda CX-5 is slightly below the average cost for all cars. However, insurance costs can vary based on factors like the year and trim of the vehicle. Newer models of the CX-5 may have higher insurance costs because they have a higher value and pricier replacement parts. Additionally, higher trim levels, like the CX-5 2.5 S, may be more expensive to insure due to their added features and increased value. This means that while the Mazda CX-5 is not the most expensive car to insure, it’s important to consider the specific model and trim level when determining insurance costs.

See what it would cost to insure your Mazda CX-5 at the top insurance companies near you >

Mazda CX-5 Insurance Cost by Company

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

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What does it cost to insure my Mazda CX-5?

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Zip Code*
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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Last updated: February 26th, 2024

Factors that impact Mazda CX-5 insurance cost

When it comes to the vehicle you drive, the year, trim level, and safety features of your CX-5 will impact the price you pay for car insurance. You will pay less for your insurance if your vehicle is less likely to get in an accident due to special safety features like Electronic Stability Control or lane departure, or if it is cheaper to repair or replace because it is an older model or has fewer enhancements, like the base model. 

Mazda CX-5 Insurance Cost by Trim Level

The trim level of your CX-5 will impact the price you pay for insurance. Some trim levels will introduce new safety features that could result in some discounts, depending on your insurance provider. While other trim levels add features that will increase the value of your CX-5, which will make it more expensive to repair or replace. Compare the base model Mazda CX-5 2.5 S to your trim level to see how the trim might impact your rates.

Mazda CX-5 Insurance Cost by Model Year

The model year of your Mazda CX-5 will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 CX-5 2.5 S costs about $1,941 to insure on average, so you can expect older model years to be less expensive. The table below shows the average cost to insure different CX-5 2.5 S model years in 2024. 

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Mazda CX-5 vs other Compact SUVs

If you’re in the market for a compact SUV, it’s a good idea to see how the Mazda CX-5 stacks up when it comes to insurance. In general, luxury and performance vehicles will generally be the most expensive to insure. On the other hand, economy brands will usually have the cheapest insurance rates among other vehicles in its class.

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What car insurance do you need for your Mazda CX-5? 

The car insurance you need depends on where you live, if you own your CX-5, and your personal needs. Almost every state has regulations around the minimum coverage types and coverage limits you need. You may also find that you want more coverage than your state’s requirements, or your lender may have requirements for how much insurance you need. These are some common types of car insurance coverage you can consider. 

Liability coverage

In almost every state, liability coverage is required by law. Liability insurance helps cover damage to property and others in an accident you cause. 

Collision insurance

Collision insurance helps cover damage to your own property in an accident you cause. Collision insurance has a deductible which you have to pay before your insurance kicks in to cover the rest of a claim. If you lease or finance your Mazda CX-5, you may be required to carry collision coverage. 

Comprehensive insurance

Comprehensive insurance helps cover damage to your property caused by a non-collision incident like weather damage, theft, or hitting an animal. Comprehensive insurance also has a deductible, and your lender may require you to have this coverage if you lease or finance your CX-5. 

PIP or Medical Payments 

In some states, Personal Injury Protection (PIP) or Medical Payments coverage is required to  cover medical expenses if you or your passengers are injured in an accident. 

Uninsured/Underinsured motorist coverage

This type of coverage (required in some states) helps cover repairs to your property if you are in an accident with an uninsured driver or a hit and run accident. 

Additional coverage or endorsements

Depending on your needs, you may decide that you want to add special coverage to your policy. This would include coverage such as gap insurance (which covers the difference between your CX-5’s actual cash value and the amount you owe on your loan), rental car reimbursement, or roadside assistance coverage. 

How can you save money on insurance for your Mazda CX-5? 

While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Here are some ways to try to bring the price you pay to insure your CX-5 down:

  • See if you qualify for discounts like a homeowner, multi-vehicle, or good driver discount
  • Look for companies that have discounts for the safety ratings your features that come with your CX-5’s model year and trim level
  • Consider increasing your deductible, but only if you can afford the new deductible out-of-pocket if you need to make a claim
  • Take a defensive driving course (make sure your insurance company offers a discount for course completion)
  • Maintain a clean driving record and practice safe driving

The only way to know you’re not overpaying for car insurance

  • Because rates are highly personalized, the best way to save money on car insurance is to compare quotes from several insurance companies to find the cheapest premium for you.

How much should I expect to pay to insure my Mazda?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

How much is insurance on a Mazda CX-5?

The average annual cost of car insurance for a 2023 Mazda CX-5 with base trim is $1,941. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

Is Mazda CX-5 expensive to insure?

The Mazda CX-5 is slightly less expensive to insure than the average vehicle, with an average cost of $1,941 compared to the average cost of $2,123.

How can I get cheaper car insurance?

One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.