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Mazda CX-5 Insurance Cost UK (2026)

The Mazda CX-5 sits in insurance groups 14 to 27 and costs around £827 a year for comprehensive cover in the UK — a touch above the £600 national average, reflecting its size, value and premium repair costs.

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Direct answer

What does it cost to insure a Mazda CX-5?

A Mazda CX-5 typically costs about £827 a year to insure comprehensively in the UK, based on Finder's May 2025 quote analysis across all trims and postcodes. That is modestly above the roughly £600 UK average for 2026 — the ABI put the average paid comprehensive premium at £560 in Q1 2026, while Confused.com's quote-based index recorded £711. Real quotes for the CX-5 ranged from as little as £386 to over £3,035, so your own price depends heavily on age, postcode and driving history.

The CX-5 spans insurance groups 14 to 27 out of 50. The cheapest versions are the smaller-engined 2.0-litre SkyActiv-G petrol SE-L models (group 14), while the highest-powered 2.2d 184ps diesel AWD Takumi/GT Sport variants reach group 27. Four things drive the cost:

Insurance group (14–27): mid-pack for a family SUV — not a supermini, but well below performance cars.
Vehicle value: the all-new 2026 CX-5 lists from £31,550 to £40,950, so repair and replacement costs sit higher than a small hatchback.
Repair costs: as a premium-feel SUV with driver-assistance sensors and larger panels, parts and bodywork claims cost more — a theme the ABI flags for 2026 across the market.
Security: the CX-5 comes with an immobiliser, alarm and modern locking as standard, which helps keep groups in the moderate band rather than higher.

Premiums by driver age

Mazda CX-5 insurance cost by age band

Driver age band	Indicative annual comprehensive premium	Notes
17–24 (young/new)	£1,400–£1,600+	Group 14–18 trims quoted £1,047–£1,482 at age 20; new drivers often pay more
25–34	£560–£900	Age-30 quotes ranged £555 (group 14) to £902 (group 27)
35–64	£510–£785	Age-40 quotes ranged £513 to £784 depending on trim
65+	£520–£760	Close to age-50 quotes (£517–£759); may edge up at 70+

Indicative figures. Age 20/30/40/50 quote data from Finder UK (May 2025), covering CX-5 trims in groups 14–27 across cheap, mid and expensive postcodes. Overall CX-5 average £826.65/year. Your quote will vary by postcode, mileage, no-claims discount and history.

Save money

Cheapest way to insure a Mazda CX-5

Pick a lower-group trim. A 2.0 SkyActiv-G SE-L (group 14) can cost hundreds less than a 2.2d 184ps AWD GT Sport (group 27). Choosing engine and trim with insurance in mind is the single biggest lever.
Pay annually, not monthly. Monthly instalments add interest — the CX-5's ~£74/month equivalent works out dearer than paying £827 upfront.
Build and protect no-claims discount. Five-plus years of NCD is one of the largest single discounts available.
Increase your voluntary excess (within reason) to lower the premium — but keep it affordable if you claim.
Add a named experienced driver and keep the car on a driveway or in a garage overnight.
Compare at renewal every year. CX-5 quotes ranged from £386 to £3,035 — loyalty rarely pays, so shop around and haggle.
Consider telematics if you are a young or new driver (see the black-box FAQ below).

FAQs

Mazda CX-5 insurance: your questions answered

What insurance group is the Mazda CX-5 in?

The Mazda CX-5 falls in insurance groups 14 to 27 out of 50. Entry-level 2.0-litre SkyActiv-G petrol SE-L models sit in group 14, mid-range Sport and Exclusive-Line trims land around groups 18 to 22, and the highest-powered 2.2d 184ps diesel AWD Takumi/GT Sport versions reach group 27.

Why does the Mazda CX-5 cost what it does to insure?

Its ~£827 average premium reflects a mid-band insurance group (14–27), a mid-to-high vehicle value (the 2026 model lists from £31,550 to £40,950), and premium-SUV repair costs — larger panels and driver-assistance sensors are more expensive to fix. Standard security like an alarm and immobiliser keeps the groups moderate rather than high.

Which is the cheapest Mazda CX-5 trim to insure?

The cheapest to insure is the 2.0-litre SkyActiv-G 165ps 2WD SE-L, which sits in insurance group 14. Petrol variants and smaller engines consistently attract lower groups than the diesel AWD models. Avoiding the 2.2d 184ps AWD versions (group 27) is the simplest way to cut the premium.

Who offers the cheapest Mazda CX-5 insurance?

There is no single cheapest insurer — it depends on your age, postcode and no-claims history. CX-5 quotes have ranged from £386 to over £3,035 for the same car, so the biggest saving comes from comparing across the market at each renewal rather than auto-renewing. Get quotes from several providers and haggle before accepting.

Is the Mazda CX-5 cheap to insure for new or young drivers?

Not especially. As a mid-sized SUV in groups 14–27, the CX-5 is more expensive for young drivers than a small city car in group 1–5. A 20-year-old was quoted roughly £1,047 to £1,482 across CX-5 trims — and new drivers typically pay more still. A lower-group hatchback, telematics or a named experienced driver can bring costs down.

Is the 2026 Mazda CX-5 a hybrid, and does that affect insurance?

The all-new 2026 CX-5 uses a 2.5-litre e-Skyactiv G 141ps petrol engine with 24V mild-hybrid technology — it is not a plug-in or full electric car, so there is no high-voltage battery to insure. Mild-hybrid systems have little impact on premiums; the main insurance drivers remain group, value and repair cost. Official 2026-model insurance groups are assigned around launch (Summer 2026).

Do modifications raise Mazda CX-5 insurance?

Yes. Modifications such as larger alloys, remapped engines, body kits or aftermarket audio can raise your premium and must be declared — failing to declare them can invalidate your policy. Standard factory options fitted by Mazda are usually already reflected in the insurance group, but always check with your insurer before making changes.

Can a black box (telematics) policy cut Mazda CX-5 insurance?

Yes, particularly for young and new drivers. A telematics or black-box policy prices you on your actual driving — smooth, low-mileage, daytime driving is rewarded with lower premiums. Given the CX-5's mid-band groups, telematics can meaningfully reduce the high quotes young drivers otherwise face, though it may limit late-night driving.

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Related guides

Our sources

Sources & methodology

Finder UK — Mazda CX-5 insurance group & average cost (average £826.65/year; group 14–27; age 20/30/40/50 quote data, May 2025).
Parkers — Mazda CX-5 SUV (2017–2026) insurance groups by trim and engine.
Association of British Insurers (ABI) — Motor Insurance Premium Tracker, average paid comprehensive premium £560, Q1 2026.
Confused.com — Car Insurance Price Index, average quoted comprehensive premium £711, Q1 2026.
Mazda UK / Autotrader — all-new 2026 CX-5 specification (2.5 e-Skyactiv G 141ps mild hybrid; £31,550–£40,950; Summer 2026 launch).

Reviewed by the Car Insurance Expert editorial team. Figures are indicative and for comparison only — always get a personalised quote.

Last updated: 2026-07-06

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