If you’re looking for insurance for your Mazda CX-5 in 2025, you’re in the right place. Car insurance rates for the Mazda CX-5 depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Mazda CX-5 costs around $2,019 annually, but the rates can vary significantly compared to older models. For instance, a 2021 CX-5 might cost slightly less, around $1,854 per year, while insuring a 2018 model could be even more budget-friendly at $1,757 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Mazda CX-5.
What is the cost to insure your Mazda CX-5 in 2025?
The average cost to insure a Mazda CX-5 is $168 per month, or $2,021 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Mazda CX-5
Geico provides the most affordable car insurance for your Mazda CX-5, with an average annual rate of $1,637, or $136 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Mazda CX-5.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,637 | $819 | $136 |
| State Farm | $1,701 | $851 | $142 |
| Nationwide | $1,733 | $867 | $144 |
| Progressive | $1,813 | $907 | $151 |
| Allstate | $2,671 | $1,336 | $223 |
| Farmers | $2,690 | $1,345 | $224 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Mazda CX-5 car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Mazda CX-5 will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Mazda CX-5, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,550 | $775 | $129 |
| 2015 | $1,598 | $799 | $133 |
| 2016 | $1,630 | $815 | $136 |
| 2017 | $1,693 | $846 | $141 |
| 2018 | $1,757 | $878 | $146 |
| 2019 | $1,823 | $912 | $152 |
| 2020 | $1,845 | $923 | $154 |
| 2021 | $1,854 | $927 | $155 |
| 2022 | $1,922 | $961 | $160 |
| 2023 | $2,019 | $1,009 | $168 |
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Mazda CX-5 car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Mazda CX-5. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For example, higher trims like the CX-5 2.5 Turbo Signature, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Mazda CX-5.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| CX-5 2.5 S Select | $1,935 | $968 | $161 |
| CX-5 2.5 S Carbon Edition | $1,964 | $982 | $164 |
| CX-5 2.5 S Premium | $1,977 | $988 | $165 |
| CX-5 2.5 Carbon Turbo | $1,995 | $998 | $166 |
| CX-5 2.5 S Preferred | $2,026 | $1,013 | $169 |
| CX-5 2.5 S Premium Plus | $2,072 | $1,036 | $173 |
| CX-5 2.5 Turbo Premium | $2,095 | $1,048 | $175 |
| CX-5 2.5 Turbo Signature | $2,129 | $1,064 | $177 |
Mazda CX-5 insurance rates: State-by-state breakdown
The cost of insuring a Mazda CX-5 vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Mazda CX-5 by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,840 | $920 | $153 |
| Alabama | $1,911 | $955 | $159 |
| Arkansas | $2,122 | $1,061 | $177 |
| Arizona | $1,972 | $986 | $164 |
| California | $2,480 | $1,240 | $207 |
| Colorado | $2,644 | $1,322 | $220 |
| Connecticut | $2,166 | $1,083 | $180 |
| Washington, D.C. | $2,321 | $1,161 | $193 |
| Delaware | $2,053 | $1,026 | $171 |
| Florida | $2,580 | $1,290 | $215 |
| Georgia | $2,517 | $1,258 | $210 |
| Hawaii | $1,370 | $685 | $114 |
| Iowa | $1,696 | $848 | $141 |
| Idaho | $1,319 | $660 | $110 |
| Illinois | $1,952 | $976 | $163 |
| Indiana | $1,768 | $884 | $147 |
| Kansas | $2,154 | $1,077 | $179 |
| Kentucky | $2,526 | $1,263 | $211 |
| Louisiana | $3,291 | $1,645 | $274 |
| Massachusetts | $1,745 | $873 | $145 |
| Maryland | $1,889 | $945 | $157 |
| Maine | $1,350 | $675 | $113 |
| Michigan | $2,671 | $1,335 | $223 |
| Minnesota | $2,227 | $1,114 | $186 |
| Missouri | $2,356 | $1,178 | $196 |
| Mississippi | $2,120 | $1,060 | $177 |
| Montana | $2,154 | $1,077 | $179 |
| North Carolina | $1,784 | $892 | $149 |
| North Dakota | $1,773 | $887 | $148 |
| Nebraska | $2,119 | $1,060 | $177 |
| New Hampshire | $1,490 | $745 | $124 |
| New Jersey | $1,981 | $991 | $165 |
| New Mexico | $2,103 | $1,052 | $175 |
| Nevada | $2,024 | $1,012 | $169 |
| New York | $1,494 | $747 | $124 |
| Ohio | $1,434 | $717 | $119 |
| Oklahoma | $2,187 | $1,093 | $182 |
| Oregon | $1,942 | $971 | $162 |
| Pennsylvania | $2,186 | $1,093 | $182 |
| Rhode Island | $2,312 | $1,156 | $193 |
| South Carolina | $1,835 | $917 | $153 |
| South Dakota | $2,386 | $1,193 | $199 |
| Tennessee | $2,193 | $1,097 | $183 |
| Texas | $2,772 | $1,386 | $231 |
| Utah | $1,663 | $832 | $139 |
| Virginia | $1,433 | $716 | $119 |
| Vermont | $1,451 | $726 | $121 |
| Washington | $1,664 | $832 | $139 |
| Wisconsin | $1,539 | $770 | $128 |
| West Virginia | $1,879 | $939 | $157 |
| Wyoming | $2,218 | $1,109 | $185 |
How your age impacts Mazda CX-5 insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,352 | $3,676 | $613 |
| Adults | $2,021 | $1,010 | $168 |
The bottom line
It’s essential to know how much it will cost to insure your Mazda CX-5 so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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