The 2024 Mazda CX-5 costs an average of $1,680 per year ($140/month) to insure for full coverage — $324 below the national average.
How Much Does It Cost to Insure a Mazda CX-5?
The average cost to insure a 2024 Mazda CX-5 is $1,680 per year ($140/month) for full coverage — $324 below the national average of $2,004. This vehicle's insurance cost is driven by one of the most affordable compact SUVs to insure with strong safety ratings.
| Insurer | Full Coverage/Yr | Liability Only/Yr | Best For |
|---|---|---|---|
| Geico | $1,411 | $537 | Clean record drivers |
| State Farm | $1,629 | $621 | Local agent experience |
| Progressive | $1,814 | $688 | High-risk drivers |
| Allstate | $1,999 | $756 | New car replacement |
| Nationwide | $1,528 | $588 | Safe driver rewards |
| USAA | $1,226 | $470 | Military only |
What Factors Determine Mazda CX-5 Insurance Rates
- Model year: Newer Mazda CX-5 models cost more to insure due to higher vehicle values and more expensive technology components.
- Trim level: Higher trim levels with more features cost more since repairs are more expensive.
- Your location: Mazda CX-5 insurance rates can vary by 50–100% between states.
- Your driving record: Your personal driving history affects your rate far more than the vehicle itself.
- Deductible choice: A $1,000 deductible instead of $500 reduces your Mazda CX-5 premium by approximately 15–20 percent.
Cheapest Way to Insure a Mazda CX-5
- Compare at least 5 insurers — rates for the Mazda CX-5 vary significantly between companies.
- Bundle your Mazda CX-5 insurance with home or renters insurance for 10–25% multi-policy savings.
- Choose a higher deductible to save 15–20 percent on collision and comprehensive.
- Enroll in a telematics program if you are a safe driver for 10–30% additional savings.
- Ask about anti-theft and safety feature discounts that apply to the Mazda CX-5.
Pro Tip
Get insurance quotes for the Mazda CX-5 before purchasing. The difference in insurance cost between trim levels and model years can be $400–$800 per year — a significant factor in total 5-year ownership cost.