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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Mazda CX-5 insurance costs around $139 per month — almost 15% less than the national average of $163.
At $72 per month, USAA is the cheapest insurer for the Mazda CX-5.
Higher trims and AWD raise repair costs, but the CX-5’s standard safety features and top safety ratings help keep insurance rates low.
Mazda CX-5 insurance costs vary depending on the type of policy and coverage you need.
Liability-only policies are cheaper because they cover only damage and injuries you cause to others. Full-coverage policies also include comprehensive coverage for non-collision incidents, like broken glass and weather damage, as well as collision coverage for your CX-5 if you hit another car or object.
Here’s a breakdown of how average monthly premiums for the Mazda CX-5 compare to all other vehicles, according to our research.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Mazda CX-5 | $100 | $177 | $139 |
| All vehicles | $113 | $212 | $163 |
Comparing quotes can save you up to $867.†
Car insurance companies weigh factors differently, so you might get a very different rate from one insurer to the next, even for the same coverage and vehicle. That’s why it’s worth taking the time to compare quotes from at least three companies to find the best deal.
Check out the table below for the cheapest insurers for the Mazda CX-5, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $79 |
| Allstate | $101 |
| American Family | $108 |
| GEICO | $111 |
| AAA | $121 |
| Nationwide | $131 |
| Progressive | $134 |
| Travelers | $137 |
| Farmers | $155 |
| Liberty Mutual | $184 |
| Amica | $348 |
The cheapest company for Mazda CX-5 insurance is USAA, with an average monthly premium of $72. USAA’s rate is about 48% lower than the CX-5’s average monthly rate of $139.
Below, we go into more detail about the three cheapest insurers for the Mazda CX-5 and why each might be the right fit for your coverage needs.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you qualify for USAA membership, you might get the cheapest rates for your Mazda CX-5. It offers liability and full-coverage policies, with savings available from driving programs like SafePilot, where you can save up to 30% depending on your driving habits. If you don’t drive your CX-5 every day, you might save even more with SafePilot Miles pay-per-mile insurance.
Inexpensive Mazda CX-5 rates
SafePilot offers up to 30% savings
Pay-per-mile insurance available
Military-only membership restrictions
Few branch offices
Limited customer support hours
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a solid choice for CX‑5 owners, offering 24/7 roadside assistance and an easy, highly rated claims process with online reporting and tracking.[1] The insurer’s affordable rates and personalized service can help ensure you have the coverage you need without stretching your budget.
Its optional rideshare insurance can also help protect you between passengers and deliveries.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers customizable full-coverage policies to meet the needs of most Mazda CX-5 owners. You can protect your rates with Allstate’s accident forgiveness and earn discounts through its Drivewise telematics program. If you don’t drive your CX-5 regularly, you could save even more with its Milewise pay-per-mile insurance program.
Extended warranty coverage available
Wide range of coverage options
Available in all 50 states
Low Trustpilot score[4]
Below-average claims satisfaction
No deductible rewards
The age of your Mazda CX-5 affects your insurance cost. Older models tend to be cheaper to insure since they typically have less value and cost less to replace. In general, the more valuable your car, the higher your insurance premium, because repairs or replacements cost more.
Here’s a look at the average monthly premiums for different Mazda CX-5 model years, according to our data.
CX-5 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $169 |
| 2024 | $169 |
| 2023 | $169 |
| 2022 | $169 |
| 2021 | $163 |
| 2020 | $155 |
| 2019 | $152 |
| 2018 | $147 |
| 2017 | $144 |
| 2016 | $140 |
| 2015 | $137 |
| 2014 | $135 |
| 2013 | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $134 |
| AAA | $146 |
| Nationwide | $158 |
| Progressive | $162 |
| Travelers | $166 |
| Farmers | $187 |
| Liberty Mutual | $222 |
| Amica | $420 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $134 |
| AAA | $146 |
| Nationwide | $158 |
| Progressive | $162 |
| Travelers | $166 |
| Farmers | $187 |
| Liberty Mutual | $222 |
| Amica | $420 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $134 |
| AAA | $146 |
| Nationwide | $158 |
| Progressive | $161 |
| Travelers | $165 |
| Farmers | $187 |
| Liberty Mutual | $221 |
| Amica | $419 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $134 |
| AAA | $146 |
| Nationwide | $158 |
| Progressive | $161 |
| Travelers | $165 |
| Farmers | $187 |
| Liberty Mutual | $221 |
| Amica | $419 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $92 |
| Allstate | $118 |
| American Family | $126 |
| GEICO | $129 |
| AAA | $141 |
| Nationwide | $152 |
| Progressive | $156 |
| Travelers | $159 |
| Farmers | $180 |
| Liberty Mutual | $214 |
| Amica | $405 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| Allstate | $112 |
| American Family | $120 |
| GEICO | $123 |
| AAA | $134 |
| Nationwide | $145 |
| Progressive | $149 |
| Travelers | $152 |
| Farmers | $172 |
| Liberty Mutual | $204 |
| Amica | $386 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $86 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $121 |
| AAA | $132 |
| Nationwide | $143 |
| Progressive | $146 |
| Travelers | $149 |
| Farmers | $169 |
| Liberty Mutual | $200 |
| Amica | $379 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| American Family | $113 |
| GEICO | $116 |
| AAA | $127 |
| Nationwide | $137 |
| Progressive | $140 |
| Travelers | $144 |
| Farmers | $74 |
| Liberty Mutual | $81 |
| Amica | $365 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $114 |
| AAA | $125 |
| Nationwide | $135 |
| Progressive | $138 |
| Travelers | $141 |
| Farmers | $160 |
| Liberty Mutual | $189 |
| Amica | $358 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $79 |
| Allstate | $101 |
| American Family | $108 |
| GEICO | $111 |
| AAA | $121 |
| Nationwide | $131 |
| Progressive | $134 |
| Travelers | $137 |
| Farmers | $155 |
| Liberty Mutual | $184 |
| Amica | $348 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $77 |
| Allstate | $99 |
| American Family | $105 |
| GEICO | $108 |
| AAA | $118 |
| Nationwide | $128 |
| Progressive | $131 |
| Travelers | $134 |
| Farmers | $151 |
| Liberty Mutual | $180 |
| Amica | $340 |
Compare personalized quotes from dozens of top companies in minutes.
Where you drive and park your Mazda CX-5 affects what you pay to insure it. Rates vary because each state sets its own coverage requirements, and your vehicle may be exposed to different risks such as severe weather, higher fraud rates, and more expensive repairs.[5]
Here’s a state-by-state look at average monthly premiums for the CX-5, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $116 |
| Arizona | $133 |
| Arkansas | $123 |
| California | $150 |
| Colorado | $150 |
| Connecticut | $208 |
| Delaware | $175 |
| Florida | $163 |
| Georgia | $187 |
| Hawaii | $92 |
| Idaho | $79 |
| Illinois | $77 |
| Indiana | $116 |
| Iowa | $95 |
| Kansas | $109 |
| Kentucky | $145 |
| Louisiana | $157 |
| Maine | $110 |
| Maryland | $222 |
| Massachusetts | $102 |
| Michigan | $169 |
| Minnesota | $127 |
| Mississippi | $133 |
| Missouri | $110 |
| Montana | $109 |
| Nebraska | $65 |
| Nevada | $86 |
| New Hampshire | $105 |
| New Jersey | $64 |
| New Mexico | $197 |
| New York | $106 |
| North Carolina | $185 |
| North Dakota | $161 |
| Ohio | $90 |
| Oklahoma | $125 |
| Oregon | $112 |
| Pennsylvania | $118 |
| Rhode Island | $161 |
| South Carolina | $179 |
| South Dakota | $101 |
| Tennessee | $104 |
| Texas | $160 |
| Utah | $110 |
| Vermont | $131 |
| Virginia | $105 |
| Washington | $124 |
| Washington D.C. | $230 |
| West Virginia | $89 |
| Wisconsin | $108 |
| Wyoming | $82 |
Your age can affect your car insurance rates. Drivers with more experience behind the wheel tend to pay less for car insurance. Teen drivers pay higher premiums because they’re statistically more likely to be in crashes.
Older, more experienced drivers typically pay less, as insurers reward safe driving habits and clean records.
The table below shows average monthly premiums by age group for the Mazda CX-5, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $269 |
| Adults | $140 |
| Seniors | $120 |
Teen drivers have the highest accident risk of any age group, and their risk of a fatal crash is three times as high as drivers ages 20 and older.[6] Their lack of driving experience and riskier driving habits, like speeding or texting while driving, increase their risk of accidents.
Insurers charge teens higher rates to account for their elevated risks. But you can find more affordable rates with some companies.
The chart below features the cheapest companies for Mazda CX-5 drivers younger than 25, according to our data.
Seniors often enjoy lower insurance rates because they drive less and tend to be more cautious behind the wheel. In fact, drivers in their 60s have the lowest rates of insurance claims of any age group.[7] Many drivers older than 55 also qualify for special discounts due to safe driving records and reduced annual mileage.
Still, seniors can get even lower rates by shopping around. To get you started, here’s a list of the cheapest insurers for senior Mazda CX-5 drivers, according to our data.
Insurance companies pay close attention to your driving record. Even one speeding ticket or at-fault accident can lead to higher premiums since insurers see those violations as an indicator of higher risk.
But you can still find competitive rates for your Mazda CX-5 insurance, even with violations on your record. Some insurance companies even specialize in covering drivers with blemishes on their records.
Here’s how different driving records can affect your CX-5’s monthly premium, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $140 |
| Speeding ticket | $188 |
| At-fault accident | $200 |
| DUI | $235 |
Getting a speeding ticket can increase your Mazda CX-5 insurance rate since speeding increases your risk of getting into a crash. Insurers view speeding violations as red flags for future accidents.
Here are the most affordable insurers for CX-5 drivers with a speeding ticket, according to our data.
An at-fault accident can raise your Mazda CX-5 insurance costs substantially because it shows you’re a higher risk to insure. When you cause a crash, your insurer may raise your premiums to reflect the increased chance of future claims — and those higher rates can stick around for about three years, according to the Insurance Information Institute (Triple-I).[8]
The chart below highlights the average monthly premiums for the cheapest companies for Mazda CX-5 drivers with an at-fault accident on their record, according to Compare.com data.
A DUI conviction affects you even more than a ticket or accident and makes you an even higher-risk driver in the eyes of insurers. That means companies will charge you higher rates for your Mazda CX-5.
And in many states, you’ll also need an SR-22 or FR-44 form to prove financial responsibility — both of which can add to your costs.
Here’s a look at the companies offering the most competitive average monthly rates for Mazda CX-5 drivers with a DUI, according to our data.
Here are a few factors that can affect your Mazda CX-5 insurance rates:
Vehicle value: Choosing the more economical CX-5 2.5 S, which starts at $30,265, will save you more on car insurance than the pricey top-of-the-line $42,295 2.5 Turbo Signature.[9]
Repair costs: While Mazda isn’t a luxury brand, more expensive trims, a turbocharged engine, and all-wheel drive could increase repair bills and insurance costs.
Safety features and ratings: The CX-5 earned a 5-star National Highway Traffic Safety Administration (NHTSA) overall rating.[10] Its 2024 model is also an Insurance Institute for Highway Safety (IIHS) Top Safety Pick.[11] That, along with standard safety features like forward collision warning and blind-spot monitoring with rear cross-traffic alert, helps lower insurance premiums.
Use the following tips to save on Mazda CX-5 car insurance:
Check your mileage. Driving fewer miles could qualify you for a low-mileage discount. Signing up for pay-per-mile insurance can also help you reduce your CX-5 insurance costs.
Go paperless. Most insurers offer a paperless discount when you opt to receive your policy documents and bills electronically.
Bundle your insurance policies. Bundle your CX-5 insurance with home or renters to save up to 25% with a multi-policy discount.
Consider usage-based insurance. If you’re a safe driver, you can earn discounts with your insurer’s usage-based telematics program.
Compare personalized quotes and find the best insurer for your Mazda CX-5.
If you still have questions about Mazda CX-5 coverage and costs, here are answers to some of the most common questions drivers have about insuring the CX-5.
The average cost to insure a CX-5 is less than the national average cost for all vehicles, at $139 per month compared to $163 per month, according to our research. But keep in mind the newer your CX-5, the higher your insurance costs are likely to be.
The cheapest and most widely available insurers for a CX-5 are State Farm and Allstate, with average monthly rates of $79 and $101, respectively. If you’re a veteran, active-duty military member, or an immediate family member of one, you may be able to get cheaper coverage through USAA. Its average for the CX-5 is $72 per month.
You’ll pay $169, on average, to insure a 2025 Mazda CX-5, according to our data. That breaks down to an average of $210 for full coverage and $128 for a liability-only policy.
The MX-5 Miata is the cheapest Mazda model to insure. Drivers pay an average rate of $135 per month, according to our data.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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