The Mazda CX-5 is a compact crossover SUV that first debuted in the U.S. in 2012. The 2026 CX-5 has undergone a complete redesign, and while it's currently only sold with a gasoline engine, it will later be available as a hybrid. No matter what kind of Mazda CX-5 you drive, it needs to be protected with the right car insurance.
When it's time to find the best Mazda CX-5 insurance, an independent insurance agent can assist you. These agents know where to get the right Mazda insurance at a great rate. But first, here's a deep dive into how much it costs to insure a Mazda CX-5 by model year and top-rated insurance company in 2026.
Key Takeaways - Mazda CX-5 Car Insurance
Mazda CX-5 insurance costs an average of $1,714 per year, or approximately $143 per month, for full coverage in 2026.
Mazda CX-5 insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $658 annually for full coverage, while those in Michigan pay $2,819.
Progressive, Nationwide, and Erie are the cheapest carriers for model-year 2025 Mazda CX-5 insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Mazda CX-5 insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Mazda CX-5 model.
What Is Mazda CX-5 Insurance?
Mazda CX-5 insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a compact crossover SUV, the CX-5 may require additional coverage beyond that needed by standard sedans. However, the CX-5's average car insurance rates trend cheaper than those for similar SUVs.
Recommended coverage options for Mazda CX-5 drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Mazda CX-5:
- Gap insurance: If you have a new or financed Mazda vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Mazda warranty insurance: This can extend Mazda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Mazda parts during the repair process.
A local independent insurance agent can help you get set up with all the Mazda CX-5 insurance you need to satisfy your state's coverage requirements. Failure to comply with insurance minimums can result in state penalties, including fines.
How Much Does Mazda CX-5 Insurance Cost?
The average cost of car insurance for a Mazda CX-5 is $1,714 per year, or approximately $143 per month, for full coverage. However, several factors can influence the cost of Mazda insurance, including:
- The specific type of CX-5 you drive
- Annual mileage
- Your location
- Your credit score (where allowed)
- Vehicle safety features
- Your driving history
- The types and amount of coverage you need
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Mazda CX-5 full coverage insurance or a basic Mazda CX-5 liability insurance policy.
Is the Mazda CX-5 Expensive to Insure?
No, the Mazda CX-5 isn't expensive to insure when compared to other Mazda vehicles and other SUVs. The average monthly cost of Mazda CX-5 auto insurance is $143, while the average across all Mazda vehicles is $160. The table below compares the CX-5's average monthly auto insurance rates to those of other Mazdas and all SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Mazda CX-5 | $143 |
| All Mazdas | $160 |
| All SUVs | $184 |
Mazda CX-5 Insurance Costs by Model Year
Next, we'll break down several model years of the Mazda CX-5 and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Mazda CX-5* | $2,155 |
| 2025 Mazda CX-5 | $1,446 |
| 2024 Mazda CX-5 | $945 |
| 2023 Mazda CX-5 | $541 |
| 2022 Mazda CX-5 | $837 |
| 2021 Mazda CX-5 | $712 |
| 2020 Mazda CX-5 | $874 |
| 2019 Mazda CX-5 | $640 |
| 2018 Mazda CX-5 | $739 |
| 2017 Mazda CX-5 | $772 |
| 2016 Mazda CX-5 | $505 |
| 2015 Mazda CX-5 | $643 |
| 2014 Mazda CX-5 | $586 |
| 2013 Mazda CX-5 | $693 |
*Note: The 2026 CX-5's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Mazda CX-5 Car Insurance Companies for 2026
Many different insurers across the U.S. offer affordable Mazda CX-5 insurance. These top-rated Mazda car insurance companies provide the cheapest model-year 2025 Mazda CX-5 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,395 |
| Nationwide | $1,543 |
| Erie | $1,718 |
| American Family | $1,734 |
| USAA | $1,827 |
| Allstate | $3,381 |
Mazda CX-5 Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit history can all significantly affect the cost of your car insurance. Here are some average auto insurance rates for the Mazda CX-5 by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $1,474 | $2,157 | $2,736 |
| Alaska | $1,215 | $1,689 | $1,648 |
| Arizona | $1,411 | $2,030 | $2,965 |
| Arkansas | $1,530 | $2,394 | $2,627 |
| California | $1,684 | $3,013 | $1,704 |
| Colorado | $1,595 | $2,213 | $2,799 |
| Connecticut | $2,010 | $3,133 | $3,982 |
| Delaware | $1,679 | $2,247 | $2,872 |
| Florida | $1,978 | $2,767 | $3,605 |
| Georgia | $1,650 | $2,432 | $2,447 |
| Hawaii | $658 | $898 | $667 |
| Idaho | $1,130 | $1,484 | $1,837 |
| Illinois | $1,165 | $1,806 | $2,026 |
| Indiana | $1,236 | $1,868 | $2,089 |
| Iowa | $972 | $1,319 | $1,545 |
| Kansas | $1,268 | $1,857 | $2,173 |
| Kentucky | $1,838 | $2,726 | $3,225 |
| Louisiana | $2,382 | $3,598 | $3,896 |
| Maine | $894 | $1,252 | $1,831 |
| Maryland | $1,455 | $2,108 | $2,337 |
| Massachusetts | $1,183 | $2,032 | $1,162 |
| Michigan | $2,819 | $4,271 | $6,750 |
| Minnesota | $1,154 | $1,558 | $2,175 |
| Mississippi | $1,383 | $1,989 | $2,018 |
| Missouri | $1,319 | $1,891 | $2,478 |
| Montana | $1,353 | $1,877 | $2,167 |
| Nebraska | $1,153 | $1,664 | $1,821 |
| Nevada | $1,886 | $2,790 | $2,946 |
| New Hampshire | $1,319 | $2,045 | $2,619 |
| New Jersey | $1,446 | $2,234 | $2,926 |
| New Mexico | $1,480 | $2,171 | $2,273 |
| New York | $1,355 | $1,691 | $2,867 |
| North Carolina | $825 | $1,452 | $1,045 |
| North Dakota | $1,139 | $1,752 | $2,084 |
| Ohio | $1,044 | $1,573 | $1,601 |
| Oklahoma | $1,637 | $2,353 | $2,649 |
| Oregon | $1,484 | $2,016 | $2,396 |
| Pennsylvania | $1,271 | $1,854 | $2,165 |
| Rhode Island | $2,088 | $3,065 | $3,460 |
| South Carolina | $1,411 | $1,955 | $2,739 |
| South Dakota | $1,264 | $1,856 | $2,102 |
| Tennessee | $1,519 | $2,221 | $2,956 |
| Texas | $1,494 | $2,173 | $2,718 |
| Utah | $1,305 | $1,809 | $2,493 |
| Vermont | $1,006 | $1,537 | $1,599 |
| Virginia | $951 | $1,449 | $1,416 |
| Washington | $1,238 | $1,659 | $2,000 |
| West Virginia | $1,251 | $1,792 | $2,245 |
| Wisconsin | $1,233 | $1,936 | $2,208 |
| Wyoming | $1,145 | $1,627 | $1,710 |
Average Mazda CX-5 Insurance Rates by Driver Age and Profile
A driver's age also has a significant impact on their auto insurance premiums. Young drivers, especially teens, pay the most by far for Mazda CX-5 insurance. Car insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Mazda CX-5 insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $4,419 | $6,520 | $7,641 |
| 20 | $3,432 | $5,007 | $5,866 |
| 25 | $2,005 | $2,937 | $3,446 |
| 30 | $1,547 | $2,313 | $2,696 |
| 35 | $1,446 | $2,156 | $2,500 |
| 40 | $1,389 | $2,073 | $2,401 |
| 45 | $1,362 | $2,007 | $2,369 |
| 55 | $1,270 | $1,842 | $2,158 |
| 65 | $1,312 | $1,938 | $2,232 |
| 75 | $1,659 | $2,407 | $2,827 |
Best Mazda CX-5 Insurance Discounts: How to Lower Your Mazda CX-5 Insurance Premiums
Looking to save the most money possible on Mazda CX-5 insurance? Just follow any of these easy tips:
- Ask about Mazda CX-5 insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Mazda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Mazda CX-5 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Mazda CX-5 insurance from a trusted carrier near you.
Local independent insurance agents know which carriers sell the cheapest Mazda CX-5 insurance without sacrificing quality coverage. They can also help you save even more money on your premiums by recommending additional cost-effective strategies.
An Independent Insurance Agent Can Help You Get the Best Mazda CX-5 Insurance Quotes
When it's time to find the most affordable Mazda CX-5 insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Mazda CX-5 insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Mazda CX-5 Insurance
How much does Mazda CX-5 insurance cost per year?
The average annual cost of full coverage for a Mazda CX-5 is $1,714 per year, or approximately $143 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Mazda CX-5 insurance premiums?
Accidents and other traffic violations, poor credit, prior claims, and living in a high-theft area can all increase the cost of Mazda CX-5 car insurance.
Is the Mazda CX-5 expensive to insure?
No, the Mazda CX-5 isn't expensive to insure on average. A full-coverage six-month policy is only $857.
What are the best and cheapest carriers for Mazda CX-5 insurance in 2026?
We found that Progressive, Nationwide, and Erie are the best and cheapest car insurance companies for model-year 2025 Mazda CX-5 insurance this year.
Is insurance cheaper for the Mazda CX-5 than for other SUVs?
Yes, the Mazda CX-5's average monthly insurance rate of $143 is considerably lower than the $184 average for all SUVs.
How can I get cheaper Mazda CX-5 insurance?
Finding cheaper Mazda CX-5 insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/mazda/cx-5/
https://www.insuranceopedia.com/auto-insurance/mazda-cx-5-car-insurance