Our Cars: Mazda CX-5 2.2 SE-L NAV

13 February 2018: How much does it cost to insure a Mazda CX-5?

The Details

Current Mileage 3976
Fuel consumption 43.1mpg

Ongoing costs are one of the biggest questions you face when buying a new car. Will it be cheaper than my current car? More expensive? Or about the same.

The big three that will be at the back of everyone’s minds are road tax (or VED to be precise), insurance and servicing costs.

But for this update, let's take a look specifically at insurance costs.

Mazda had quite a coup back in 2012 when it came to insurance costs. The decision to make its ‘active' safety technology - which helps drivers avoid accidents or reduce the severity of collisions - standard fit across the board knocked the model down several insurance groups.

This kit included Mazda's ‘Smart City Brake Support' (SCBS), which was standard-fit across the CX-5 range. The ABI (Association of British Insurers) decided to lower the original insurance group ratings for CX-5 by two groups across the 18-strong line-up.

Fast forward to 2017 and things have moved on. As you’d expect, it still has SCBS, which has now been expanded to have a detection distance and a widened view angle. The forward detection speed range has grown from 2-19mph to 2-50mph and it can also detect pedestrians within a speed range of 6-50mph.

It’s now part of a Mazda’s i-ACTIVESENSE technologies, which include Adaptive LED Headlights (an £800 option on Sport Nav diesel models and radar cruise control (an £800 option on 175PS Sport Nav Auto models in conjunction with the Safety Pack).

This, combined with a strong bodyshell, meant that the CX-5 performed particularly well in the Euro NCAP crash test, scoring five stars overall, plus 95 per cent for occupant safety, 80 per cent for child occupant safety, 78 per cent for pedestrian safety and 59 per cent for safety assist.

Cx 5 Safety

So, it’s not surprise to see that there’s been very little change in insurance grouping for the 2017 CX-5, despite time moving on and the goalposts changing. The range comes in between Insurance Groups 15 and 21 - exactly where they were before.

Mazda CX-5 (2012 - 2016) Insurance Groups

Version

Group (1-50)

2.0 SE-L 165 5dr

SUV

15

2.0 SE-L 2WD 5dr

SUV

15

2.0 SE-L Nav 2WD 5dr

SUV

15

2.0 Sport 2WD 5dr

SUV

16

2.0 Sport Nav 2WD 5dr

SUV

16

2.2 SE-L 150 5dr

SUV

18

2.2 SE-L 150 Auto 5dr

SUV

18

2.2 SE-L 150 AWD 5dr

SUV

17

2.2 SE-L Auto 150 AWD 5dr

SUV

17

2.2 SE-L Lux 150 5dr

SUV

20

2.2D SE-L 2WD 5dr

SUV

18

2.2D SE-L 2WD Auto 5dr

SUV

18

2.2D SE-L AWD 5dr

SUV

17

2.2D SE-L AWD Auto 5dr

SUV

17

2.2D SE-L Lux 2WD 5dr

SUV

20

2.2D SE-L Lux Nav 2WD 5dr

SUV

20

2.2D SE-L Nav 2WD 5dr

SUV

18

2.2D SE-L Nav 2WD Auto 5dr

SUV

18

2.2D SE-L Nav AWD 5dr

SUV

17

2.2D SE-L Nav AWD Auto 5dr

SUV

17

2.2D Sport 2WD 5dr

SUV

19

2.2D Sport AWD 5dr

SUV

21

2.2D Sport AWD Auto 5dr

SUV

21

2.2D Sport Nav 2WD 5dr

SUV

19

2.2D Sport Nav AWD 5dr

SUV

21

2.2D Sport Nav AWD Auto 5dr

SUV

21

 

Mazda CX-5 (2017 on) Insurance Groups

Version

Group (1-50)

2.0 SE-L Nav 2WD 5dr

SUV

15

2.0 Sport Nav 2WD 5dr

SUV

16

2.2D SE-L Nav 2WD 5dr

SUV

18

2.2D SE-L Nav 2WD Auto 5dr

SUV

18

2.2D SE-L Nav AWD 5dr

SUV

17

2.2D SE-L Nav AWD Auto 5dr

SUV

17

2.2D Sport Nav 2WD 5dr

SUV

19

2.2D Sport Nav 2WD Auto 5dr

SUV

19

2.2D Sport Nav AWD 5dr

SUV

21

2.2D Sport Nav AWD Auto 5dr

SUV

21

But, as well all know, insurance groupings are advisory and insurance companies can pretty much charge what they like, based on risk and how competitive they want to be in certain markets at certain times of the year.

We’ve put together some sample quotes on what a new CX-5 could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes*.

 

Bell

Elephant

Diamond

Admiral

LV

18 Year old

No quote

£5747*

£5804*

No quote

No quote

25 year old

£2313*

£909*

£910*

No quote

£751*

45 year old

£744*

£815*

£819*

No quote

£332*

 

The cheapest quotes for an 18 year old was a black box policy: Hastings (£1357)*

The cheapest quotes for a 25 year old was Hastings Direct (smart miles) (£725)*

The cheapest quotes for a 45 year old was LV (£332)*

From the quotes above, it’s not really a surprise to see an 18 year old clobbered for driving a 2.2-litre diesel CX-5. Whatever younger people drive, they’re hit with huge insurance bills and in this case it’s a demonstration that the insurance companies REALLY don’t want them driving a £30,000 big diesel. What’s notable, though, is how that cost drops dramatically by the time the driver reaches 25. And what you can’t see from the table above is the breadth of insurance companies offering cover. At 18 there isn’t much choice at all and many specialist providers, but by the time you get to 25 the list is full of household names. Add on another 20 years and the costs really start to look reasonable. We saw quotes from £421 and a broad range of household names offering cover.

These are, of course, just samples designed to give you a flavour of costs. You should do your own research, too, based on your own circumstances which will be different to these examples. You can get a quote from MoneySupermarket here*.

« Earlier: What impact have the updates had to the way the CX-5 drives?     Later: What’s the feeling among owners about the the CX-5? »

Updates
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As temperatures top 30 degrees, how does the CX-5 cope?
Thumbs-up or thumbs-down from readers on HonestJohn.co.uk?
13 February 2018: How much does it cost to insure a Mazda CX-5?
Insurance is one of the most significant costs of owning a car - so what does that mean for the CX-5?
Despite looking very similar to the outgoing model, Mazda has put much thought into improving the driving experience - but how does it stack up?
Our latest analysis on every MoT conducted in 2016 has a bit of a surprise in store for the CX-5.
The CX-5 has been something of a runaway success for Mazda, with many happy owners. How will this latest model fare?
 

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