Insurance Rate Guard Editorial Staff

Mazda CX-5 Insurance Rates 2026: Costs Across All 50 States

Disclaimer: Insurance Rate Guard is not an insurance agency and does not provide professional financial advice. Our content is for educational purposes only. Please consult a professional advisor before making any financial decisions.

Mazda CX-5 SUV parked in a suburban American driveway, a man stepping out and a young child on the front porch, illustrating Mazda CX-5 insurance rates across the 50 states.

The Mazda CX-5 sits in an unusual spot for insurance. It is one of the safest small SUVs on the road, and that record holds across nearly a decade of model years. Yet the trim you pick can change your premium by hundreds of dollars a year, even with the same engine underneath.

This guide pulls together what Mazda CX-5 insurance actually costs in 2026. It draws on Mazda’s own pricing, IIHS crash test results, HLDI claim data, and IRG’s internal quote data so you can see what drives the number on your renewal.

What Mazda CX-5 Insurance Costs in 2026

The CX-5 sells well because it lands in the sweet spot of price, space, and safety. That same combination keeps rates reasonable for most drivers compared with larger SUVs or performance sedans.

Across our 50-state quote runs, the average full-coverage premium for a CX-5 in 2026 sits in the mid-tier of compact SUVs. It tracks close to the Toyota RAV4 and Honda CR-V, sometimes a touch higher in states where the Turbo trim skews the model mix. State and ZIP code still drive most of the variation. A CX-5 driver in Detroit pays far more than the same driver in rural Iowa, even with identical coverage limits.

Source: InsuranceRateGuard.com quote data, Q1 2026. Averages across multiple carriers and standard driver profiles.

The all-new third-generation 2026 CX-5 starts at $29,990 MSRP for the 2.5 S and climbs to $38,990 for the 2.5 S Premium Plus, per Mazda’s official pricing announcement. MSRP matters because higher-priced trims push collision and comprehensive premiums up.

What Drives Mazda CX-5 Insurance Costs

A handful of factors do the heavy lifting on any CX-5 quote. State law sets the floor, your record sets the slope, and the trim level sets the ceiling.

Liability and uninsured motorist coverage swing with state minimums. A driver carrying 100/300/100 limits in New York pays more in liability premium than the same driver carrying 25/50/25 in a low-minimum state. Collision and comprehensive premiums move with the vehicle’s repair and replacement cost. A 2.5 S Carbon Edition costs less to replace than a Signature trim, so its physical damage premium runs lower.

Driver age, credit-based insurance score (where allowed), prior claims, and annual mileage finish the picture. None of these are CX-5-specific, but they shape how your CX-5 rate compares with a peer driving the same model.

Why the CX-5’s Safety Record Keeps Claims Low

Crash performance shows up in your premium indirectly. Carriers buy claim data from HLDI and use it to set base rates by make and model. Vehicles with fewer and less severe claims earn lower base rates, all else equal.

The 2017-25 CX-5 generation earned Good ratings in every IIHS crashworthiness test, per the IIHS 2024 CX-5 ratings page. That includes both small overlap front tests, the updated moderate overlap test, the updated side test, roof strength, and head restraints. Few small SUVs sweep every category.

The safety story isn’t perfect. The CX-5’s front crash prevention scored Poor on the IIHS 2.0 vehicle-to-vehicle test for 2023-25 models, though pedestrian autobrake stayed Advanced.

Headlights are Good on Premium and higher trims but only Acceptable on Select, Preferred, and Carbon Edition trims. Carriers don’t price headlight grades directly, but they do price the bundled active safety features that vary by trim.

A separate HLDI study from March 2026 looked at Mazdas with bundled driver-assistance tech. HLDI found that Mazda’s most comprehensive safety bundle cut property damage liability claims by 39% compared with vehicles without those features. The basic bundle still produced a 13% PDL reduction. That kind of frequency drop is what shows up over time in lower base rates for the model.

How CX-5 Trims Affect Your Rate

Two CX-5 drivers can buy the same year, same engine, same state, and still see different premiums because of trim. The reason is straightforward: parts and labor.

A higher-trim CX-5 carries more sensors, more leather, and a larger infotainment display. The 2026 Premium Plus, for example, swaps in a 15.6-inch screen, a 360-degree camera, and adaptive front lighting. Replacement and calibration costs for those parts run higher, so collision and comprehensive premiums for that trim land above the base 2.5 S.

Here is how 2026 CX-5 MSRP stacks up across the lineup:

TRIMSTARTING MSRPRELATIVE INSURANCE IMPACT
2.5 S$29,990Lowest collision/comp base
2.5 S Select$31,990Slight bump for wireless tech
2.5 S Preferred$34,25019-inch wheels add to repair cost
2.5 S Premium$36,900Larger sensor + lighting package
2.5 S Premium Plus$38,990Highest physical-damage premium

Source: Mazda North American Operations 2026 CX-5 pricing announcement, Jan 13, 2026. Insurance impact reflects IRG’s reading of typical carrier physical-damage rating practice.

The Carbon Turbo trim from earlier model years (2.5 Turbo / Carbon Turbo on 2022-25 vehicles) was the most expensive CX-5 to insure in the prior generation. Carriers treated the higher-output 2.5T engine and turbo-specific drivetrain as a step up in repair cost.

Where Mazda CX-5 Insurance Costs the Most

Geography moves Mazda CX-5 premiums more than trim or even driver age. The same 2023 CX-5 Touring with the same 35-year-old driver can cost twice as much in Michigan as in Vermont.

Our quote data shows the high-premium states for CX-5 drivers tend to overlap with the high-premium states for any vehicle: dense urban areas, no-fault legal regimes, weather risk, and high uninsured-motorist rates. Florida, Louisiana, Michigan, Nevada, and New York routinely come in above the national average for full-coverage CX-5 premiums. Iowa, Maine, Idaho, and Vermont sit well below.

Source: InsuranceRateGuard.com quote data, Q1 2026. Averages across multiple carriers and standard driver profiles.

If you are looking at a state-by-state breakdown, our Car Insurance by State pillar has the full ranking. The CX-5’s position in your state generally tracks the state average.

Best Insurance Carriers for Mazda CX-5 Drivers

No single carrier is cheapest for every CX-5 driver. The right pick depends on your state, your driving record, and whether you bundle with home or renters.

A few patterns hold up across our quoting:

GEICO tends to be competitive for clean-record CX-5 drivers in suburban ZIPs, especially in mid-Atlantic and Southeast states. State Farm shows up well for CX-5 drivers who bundle home and auto, particularly in the Midwest. Progressive often wins for drivers with one minor incident on record, where its tier pricing softens the hit. USAA leads on price for eligible military families in nearly every state where it operates.

Regional carriers like Erie, Auto-Owners, and Farm Bureau can underprice national brands for CX-5 drivers in their footprint states. They are worth a quote if you live in one of their markets.

Source: InsuranceRateGuard.com quote data, Q1 2026. Averages across multiple carriers and standard driver profiles.

How the CX-5 Compares to Other Compact SUVs

The CX-5 is priced and rated alongside the Honda CR-V, Toyota RAV4, Subaru Forester, and Nissan Rogue. Insurance costs across this group land in a tight band for most drivers.

The CR-V and RAV4 generally edge the CX-5 by a small margin on full-coverage premium, mostly because they are produced in higher volumes and have a deeper aftermarket parts supply. The Forester sits close to the CX-5, sometimes lower in northern states where Subaru market share is high. The Mazda CX-50, which slots above the CX-5 in Mazda’s lineup, typically insures for slightly more because of its higher MSRP and more recent introduction.

The CX-5’s safety record is the headline advantage in this group. The 2017-25 generation earned every Good rating IIHS gives in its core crashworthiness battery. The CR-V, RAV4, and Forester each have at least one Acceptable mark somewhere in the same battery.

How to Save on Insurance for Your Mazda CX-5

Most CX-5 drivers can knock a meaningful amount off their renewal without dropping coverage. Five steps tend to produce the biggest savings:

  1. Shop three carriers before every renewal. CX-5 base rates vary widely between carriers. Get a quote from one national, one regional, and one direct-to-consumer carrier each cycle.
  2. Bundle home or renters with auto. Most carriers stack a multi-policy discount that typically runs 5% to 25% on the auto side, depending on the carrier and what you bundle. On a $1,500 annual premium, that can be $75 to $375 a year.
  3. Raise your collision and comprehensive deductible. Moving from a $250 to a $1,000 deductible typically saves 10% to 15% on physical-damage premium for a CX-5. Only do this if you can cover the higher deductible out of pocket.
  4. Ask about a telematics program. Snapshot, Drive Safe & Save, and Drivewise reward safe miles. CX-5 drivers with clean records often see 10% to 30% off after the monitoring period.
  5. Drop collision on an older CX-5. If your CX-5 is 10+ years old and the car’s value is under about 10x your annual collision premium, the coverage often costs more than it returns. Keep liability and comprehensive; drop collision and pocket the difference.

The CX-5 is one of the safer vehicles you can put in a driveway, and that safety record gives it an edge on long-term insurance cost. The trim and state you pick still set the actual number on the bill.

Sources Used

Fact-checked: 2026-05-17.