Is the Mazda CX-5 expensive to insure?

[McLincoln]

The Mazda CX-5 is not expensive to insure relative to its class, with an average annual premium of around $1,912. This is approximately $1,165 less per year than the national average for popular mid-size SUVs. Your final rate depends primarily on your driver profile, location, and the vehicle's model year and trim level.

Insurance costs are calculated from a combination of driver risk and vehicle-specific data. Industry data from sources like Insure.com and Quadrant Information Services consistently shows the CX-5's premiums fall in the lower to mid-range for its category. This favorable rating stems from its strong safety scores, lower-than-average repair costs, and lower likelihood of being involved in an insurance claim compared to many rivals.

Factor	Impact on Mazda CX-5 Insurance Cost	Typical Range/Example
Driver Profile	Most significant variable. Clean record vs. violations can double costs.	20-year-old driver: ~$3,500/yr. 40-year-old driver: ~$1,700/yr.
Vehicle Model Year & Trim	Newer models and higher trims (Turbo, Signature) cost more to insure.	Insuring a 2024 CX-5 Turbo can be 15-25% more than a base 2024 model.
Location	Urban areas with higher theft/vandalism/accident rates see higher premiums.	Annual premium in Michigan (no-fault state) can be 50%+ higher than in Ohio.
Safety & Repair Data	IIHS Top Safety Pick+ ratings help lower costs. Repair parts are relatively affordable.	Good safety scores can translate to a 5-15% discount with many insurers.
Annual Mileage	Higher annual mileage directly increases risk exposure and premium.	Driving 15,000 miles vs. 7,000 miles can increase cost by 10-20%.

To get the best rate, obtain quotes from at least three insurers, as pricing algorithms differ. Actively inquire about all eligible discounts, such as those for bundling policies, safe driving, anti-theft devices, and paying premiums annually instead of monthly. Increasing your deductible from $500 to $1,000 can also lead to substantial yearly savings, provided you have the funds to cover the higher out-of-pocket cost if a claim occurs.

[MacLondyn]

I just got my renewal notice for my 2021 CX-5 Touring. I’m in my 30s, live in a suburb in Oregon, and have a perfect driving record. My premium came in a bit under the average at about $1,650 for the year. When I was shopping, I found that the quotes for the CX-5 were noticeably lower than for a Honda CR-V or Toyota RAV4 of the same year. My agent said it’s because the CX-5 has great crash test results and its repair history is pretty good, which makes insurers view it as a lower risk. My advice is to always shop around—the difference between the highest and lowest quote I got was almost $400 for the exact same coverage.

[DeLane]

Let’s break down the “why” behind the cost. The CX-5’s insurance bill isn’t a single number; it’s a math problem with several inputs. First, the car itself: it gets top marks from the IIHS, which insurers love. Parts are reasonably priced and readily available, keeping repair estimates manageable. Then, it’s about you. A young driver in a major city will pay a premium that reflects higher statistical risk. Finally, your choices matter. A low deductible means you pay more upfront for peace of mind. Skipping defensive driving courses might mean missing out on a discount. So, when you hear “$1,912 on average,” understand that’s the result of the CX-5’s inherent advantages being adjusted—sometimes heavily—by personal factors you can and cannot control.

[JamesMarie]

Compared to what? That’s the key question. Stack the CX-5 against other family SUVs, and it often wins on insurance costs. Data shows it’s consistently cheaper to insure than a Ford Escape, Subaru Forester, or Volkswagen Tiguan. It’s on par with or slightly cheaper than a Honda CR-V. The main exceptions are if you opt for the powerful turbo engine trim, which nudges costs up, or if you live in a no-fault insurance state where rates are high across the board. For most buyers cross-shopping in this segment, the CX-5 offers a clear financial benefit in ongoing insurance expenses, not just the sticker price.

[LaAvery]

As someone who has owned my CX-5 for five years and helped family members shop for cars, the insurance cost story is about long-term value. The initial quotes were favorable, but the real test is at renewal time. My rates have remained stable, with only modest increases linked to broader industry trends, not because my CX-5 suddenly became riskier. I’ve spoken with adjusters who note that the model’s design leads to less expensive front-end repair work after minor collisions, a common cost driver. For a practical buyer, this translates to predictable ownership costs. You’re not just buying a fun-to-drive SUV; you’re choosing a vehicle whose total cost of ownership, including insurance, is designed to be manageable over many years, protecting your investment beyond the monthly payment.