How much is insurance on a Mazda CX-5?

A 2024 Mazda CX-5 runs about $1,790 a year for a typical 45-year-old, $160 less than an average car of the same age, because of lower non-crash losses, fewer injury claims, and lower crash-repair losses. Putting a new 16-year-old on a family policy with the CX-5 adds about $1,180 a year (#6 of 26 small SUVs we compare).

2024 Mazda CX-5 (CX-5 4WD), national average

about $1,790 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 CX-5 drops to about $1,410 (see the table below).

A Mazda CX-5 from the 2017–2025 generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 CX-5 4WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Mazda CX-5's rank is the same in every state.

Why the Mazda CX-5 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Mazda CX-5 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 80 for crash repairs, 71 for non-crash damage, 96 for damage to others' property, and 79 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage20% better than average11th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average29% better than average8th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage4% better than average14th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 21% less often than average5th best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Mazda CX-5 comes out about 23% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 9% less than average: about $870 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% better than average. We count about half, so that part is about 7% less: $920 a year vs $990.

How the math works

In EPA size classes, the CX-5 is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Mazda CX-5 is benchmarked against small SUVs.

Matched to HLDI series “Mazda CX-5 4dr 4WD” (HLDI, 2022–24 models).

A used Mazda CX-5, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 CX-5 4WD (0–3 years old)	about $1,790	about $920	+$1,180	about $5,130
2022 CX-5 4WD (4–7 years old)	about $1,680	about $920	+$1,110	about $4,830
2018 CX-5 2WD (8–12 years old)	about $1,480	about $860	+$980	about $4,250
2013 CX-5 2WD (13 or more years old)	about $1,410	about $890	+$930	about $4,060

Our catalog covers the Mazda CX-5 across model years 2013–2026. Full coverage on a used 2013 CX-5 (13 or more years old) runs about $1,410 a year, $370 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $890 a year. Each photo shows that year's generation of the car. Photo credits.

For the 2024 Mazda CX-5, our catalog lists the CX-5 4WD configuration at about $1,790 a year.

On a policy of their own with a 2024 Mazda CX-5, a 22–25-year-old pays about $2,320 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,980, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Mazda CX-5

Because the Mazda CX-5 starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,130 a year, about $3,950 more than sharing the family policy.

For adding a teen driver, the Mazda CX-5 ranks 22nd cheapest out of all 121 models we track. Stepping down to a used 2013 CX-5 (13 or more years old) brings the teen add-on to about $930 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Mazda CX-5 is the 6th least expensive to insure. Right next to it are the Toyota bZ4X (about $1,790 a year) and the Toyota RAV4 Prime (about $1,790).

Photos from Wikimedia Commons contributors. Photo credits.

What a Mazda CX-5 costs in your state

In six sample states, a 2024 Mazda CX-5 runs from about $1,190 a year in Vermont through North Carolina, Illinois, Oklahoma and Nevada to about $2,350 in New York:

Vermontabout $1,190/yr · +$790 teen
North Carolinaabout $1,360/yr · +$900 teen
Illinoisabout $1,560/yr · +$1,030 teen
Oklahomaabout $1,640/yr · +$1,090 teen
Nevadaabout $1,990/yr · +$1,310 teen
New Yorkabout $2,350/yr · +$1,550 teen

All 50 states and DC · Updated November 5, 2026.

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