Mazda CX-5 Car Insurance: How Much Should You Expect to Pay?

Mazda CX-5 drivers pay about $133 per month for their insurance, on average. Our latest guide will provide the information you need to know about how much car insurance companies might charge you to insure your Mazda CX-5.

Quick Facts

  • A Mazda CX-5 is cheaper to insure than the average SUV.
  • Liability auto insurance for a CX-5 comes in at around $70 monthly, while full coverage normally runs about $141 a month.
  • The lowest insurance company for a CX-5 is Commonwealth Casualty, who offers liability only coverage for as low as just $40 per month, on average.

CX-5 Overview

With 2021 models starting at $25,270, the Mazda CX-5 is a great budget-friendly SUV for drivers of all types. There are five different trim levels currently offered, so there's a style for every driver.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that Mazda CX-5 auto insurance rates are around $133 a month, on average. How do car insurance premiums for the CX-5 compare to prices of other similar SUVs?

Current Base Price$25,270
Body Style(s)SUV
Trim LevelsTOURING, GRAND TOURING, SIGNATURE, GRAND TOURING RESERVE, SPORT
Average Insurance Premium$133/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Mazda CX-5?

Vehicle Liability Only Full Coverage
Mazda CX-5$70$141
All Mazda Models$79$159
All SUVs$80$151
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles, Mazda CX-5 insurance premiums are more affordable than average. On average, CX-5 owners will pay about $70 monthly for liability insurance, and around $141 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other Mazda models, the CX-5 is less expensive, with rates more than 10% lower than the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, insurance for a CX-5 is also more affordable, with liability only insurance prices coming in about 13% less and 7% less for full coverage.

They're also more affordable to insure than the average vehicle overall, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Mazda CX-5?

Insurance Company Average Monthly Premium
Ohio Mutual$18
Kemper Personal Insurance$32
Mile Auto$33
Good2Go$34
Commonwealth Casualty$40

If you're browsing for a new car insurance policy for your Mazda CX-5, you may be most interested in which carrier offers the most affordable premiums. While there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $18 a month from Ohio Mutual. With car insurance sometimes as little as $32 monthly, Kemper Personal Insurance is the next cheapest car insurance carrier.

Mile Auto, Good2Go, and Commonwealth Casualty finish off the rest of the top 5. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a lot of different things into consideration when calculating monthly prices. By checking quotes from a bunch of auto insurance companies at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Mazda CX-5?

As we mentioned above, there are several variables that insurance carriers use to calculate how much they charge you -- and each company weighs different attributes more heavily than others, so there's not a singular carrier that's the cheapest for every driver.

The sections below show a wide array of factors car insurance companies use to decide rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$74
2-3 Years$65
4-5 Years$72
6-7 Years$73
8-10 Years$98
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

Mazda has been making the CX-5 for quite some time, so the car's age may make a big difference in how much you'll pay for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and CX-5s begin to depreciate, insurance costs will gradually get lower.

Based on the information in the above table, the Mazda CX-5 bucks the trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 8 to 10 years old, on average.

Your Age

Age Average Monthly Premium

Age plays a role in how much auto insurance carriers will charge you for a policy. As you can see in the table above, younger drivers have more expensive premiums than drivers who have more experience. In this case, drivers aged between 18 and 24 pay $36 more than those 25 or older.

Insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the CX-5.

Your Gender

Gender Average Monthly Premium
Male$72
Female$68

Men tend to pay more for insurance than women. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim. The Mazda CX-5 is no different, and men pay around $4 more than women per month for car insurance.

Where You Live

State Average Monthly Premium
California$52
Florida$96
Georgia$116
Illinois$42
New York$180
North Carolina$55
Ohio$41
Pennsylvania$54
Texas$53
Virginia$56

You might already know that things like what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live can be just as important. Car insurance is regulated on the state level and not nationally, so rates fluctuate quite a bit from state to state.

For example, the average Mazda CX-5 driver in New York pays about $180 monthly for liability coverage, while the same owner from California will pay less than half of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

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Mazda CX-5 Car Insurance Discounts

Whatever how old you are, which car you drive, or what state you call home, using as many discounts as possible when it comes to your car insurance is always a smart move when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Multi-policy discounts for bundling your home and auto policies with the same company
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
  • Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than in monthly installments
  • Multi-vehicle discounts for having more than one car on your auto policy

These are just a few of the discounts out there. Often, it's actually your driving history and insurance profile that get you the best rates.

Even though you don't have control over every factor auto insurance companies consider to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the factors you can use to your favor in order to save on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$98
1 Ticket$77
Multiple Tickets$154

You've probably seen ads from auto insurance carriers promoting large savings for responsible drivers. And you're probably not surprised to hear that if you get into a collision or get speeding tickets, insurance premiums will get higher. But you're probably wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost CX-5 drivers more than tickets, but both will result in a raise in rates. Mazda CX-5 drivers with a single ticket will pay about $77 a month, while drivers with one accident on their record pay an average of $81 a month (up $11 from the $70/mo. overall average). Those with more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$86
2,501-5,000 Miles$70
5,001-7,500 Miles$73
7,501-10,000 Miles$71
10,000+ Miles$66

Another variable that impacts your auto insurance prices is the amount of miles you drive. Those who drive less are less likely to get tickets, so they'll generally end up spending less on insurance. In the table above, you can see that Mazda CX-5 owners who drive less than 2,500 miles pay $86 for car insurance, while those who drive more than 10,000 miles each year pay about $66 per month.

But if you don't use your Mazda CX-5 to travel or commute regularly, it may be worth learning about usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Mazda CX-5s Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Mazda CX-5 is on your shortlist, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the Mazda CX-5 compares:

Mazda CX-5 National Average
Liability Insurance$66$81
Full Coverage Insurance$151$169
Base MSRP$25,270$46,296
Average Annual Mileage9,56311,617

With an MSRP that's a third less than the going rate for a new vehicle, the Mazda CX-5 is a fantastic value for any budget. While the national average vehicle MSRP is $46,296, the CX-5 retails at just $25,270.

Similarly, auto insurance rates are lower when compared to other vehicles on the market. Liability insurance for a Mazda CX-5 is around $15 per month less than average, while full coverage is $18 less a month.

However, it is worth noting that the CX-5 owners tend to drive their cars less than the average American driver, with only 9,563 annual miles for the average owner.

Mazda CX-5 Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays for car insurance. If you're considering buying a new CX-5, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

2021 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$151
Base MSRP$25,270
Cheapest Insurance CompanyAspire - $21/mo.
Available TrimsGRAND TOURING, GRAND TOURING RESERVE, SIGNATURE, SPORT, TOURING

2021 Mazda CX-5 drivers can expect to pay an average of $66 per month for liability or $151 for full coverage.

We found Aspire offered the cheapest policy, with rates as low as $21 monthly.

What will your car insurance price be? Enter your ZIP code below to get lots of free personalized quotes.

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2020 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$168
Base MSRP$25,190
Cheapest Insurance CompanySafeco - $18/mo.
Available TrimsGRAND TOURING, GRAND TOURING RESERVE, SIGNATURE, SPORT, TOURING

You can expect full coverage for a 2020 CX-5 to run about $168 a month, while liability only coverage will average around $77 monthly.

With rates as little as just $18 per month, Safeco offered the lowest policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2019 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$161
Base MSRP$24,350
Cheapest Insurance CompanyHugo - $16/mo.
Available TrimsGRAND TOURING, GRAND TOURING RESERVE, SIGNATURE, SPORT, TOURING

The average cost to insure a 2019 Mazda CX-5 with liability only coverage is $80 a month, while full coverage runs about $161 monthly.

Looking for the most affordable policy? Hugo offered liability only coverage for as cheap as $16 per month.

If you want to know exactly how much you can expect to pay for your CX-5, just enter your ZIP code below and get several free quotes in minutes.

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2018 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$150
Base MSRP$24,150
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsGRAND TOURING, SPORT, TOURING

It costs around $75 a month for liability or $150 for a full coverage policy for the 2018 CX-5.

If you're looking for the lowest possible 2018 Mazda CX-5 insurance policy, Clearcover offered the cheapest policy we found, with rates sometimes as low as $21 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2017 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$135
Base MSRP$23,595
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsGRAND TOURING, SPORT, TOURING

On average, drivers who own a 2017 Mazda CX-5 can expect to pay $63 to $135 monthly for liability only and full coverage insurance, respectively.

With prices sometimes as cheap as $20 per month, Hugo offered the most affordable policy we found for the 2017 Mazda CX-5.

Interested in what your auto insurance rate will be? Get several free personalized quotes by just entering your ZIP code below.

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2016 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$135
Base MSRP$21,795
Cheapest Insurance CompanyMetLife - $17/mo.
Available TrimsCX-5, GT, SE, SPORT, TOURING

2016 CX-5 drivers can expect to pay an average of $68 a month for liability or $135 for full coverage.

MetLife has rates as little as $17 monthly for the 2016 Mazda CX-5.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2015 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$65
Full Coverage Avg. Premium$137
Base MSRP$21,545
Cheapest Insurance CompanyACG - $18/mo.
Available TrimsCX-5, GT, SPORT, TOURING

It costs about $65 per month for liability or $137 for a full coverage policy for the 2015 Mazda CX-5.

ACG offered the lowest policy we found, with rates as cheap as just $18 monthly.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple free customized quotes.

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2014 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$64
Full Coverage Avg. Premium$130
Base MSRP$21,195
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsCX-5, GT, SPORT, TOURING

On average, drivers who own a 2014 CX-5 can expect to pay $64 to $130 a month for liability only and full coverage insurance, respectively.

We found Clearcover offered the most affordable policy, with rates as low as $21 monthly.

If you want to know exactly how much you can expect to pay for your CX-5, just enter your ZIP code below and get free quotes in minutes.

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2013 Mazda CX-5 Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$135
Base MSRP$20,995
Cheapest Insurance CompanyOhio Mutual - $17/mo.
Available TrimsGT, SPORT, TOURING

The average cost to insure a 2013 Mazda CX-5 with liability only coverage is $77 per month, while full coverage runs around $135 a month.

If you're looking for the most affordable 2013 Mazda CX-5 insurance policy, Ohio Mutual offered the cheapest policy we found, with rates sometimes as low as $17 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Mazda CX-5 Insurance FAQs

Is a Mazda CX-5 expensive to insure?

It costs less to insure a Mazda CX-5 when compared to the average vehicle. Liability insurance runs an average of $70 monthly, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Mazda CX-5?

The only way to guarantee you're getting the lowest price on car insurance is to check prices regularly and compare quotes from a whole bunch of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda CX-5 affect my insurance premiums?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's simply not true. There are a variety of factors auto insurance companies think about when they offer you a premium, but your CX-5's color isn't one of them.

Do I need to have insurance before I buy a Mazda CX-5?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to talk with your car insurance carrier ahead of time.

What car insurance discounts can I get for my Mazda CX-5?

You will find all sorts of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Mazda CX-5 you drive, but if your CX-5 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you might receive, reach out to your insurance company and ask about their list of discounts.

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