Mazda CX-5 Insurance Rates

When the time comes to start comparing Mazda CX-5 insurance rates, you may not know where to begin. The first thing you should know is that the average insurance Mazda CX-5 insurance cost comes to $1,384 a year, which boils down to about $115 per month.

This comprehensive guide will walk you through exactly how Mazda CX-5 rates are calculated so you can have a firm understanding of what to expect before you start shopping around. When you’re ready, you can start comparing Mazda CX-5 insurance quotes from multiple companies by taking advantage of our free online tool.

The average insurance rates for a Mazda CX-5 are $1,138 a year with full coverage. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs around $2,456. Teens cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details average Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay around $1,022 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,138
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,364
• High-risk insureds with serious driving violations could pay upwards of $2,456
• Policy cost that insures a teenage driver may cost $4,464 a year

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on the trim level of your CX-5, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,400 a year. View Rates by Age

Your home state makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $350 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Mazda CX-5 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates every couple of years by quoting rates from direct companies, and also from several local insurance agents.

The following list is a brief review of the material that was covered in the above illustrations.

• Consumers who require an increased level of liability coverage will pay approximately $510 every year to go from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest rates, as much as $372 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,320 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $350 each year

Now that you have a better understanding of how CX-5 insurance rates are determined, the next step is to compare quotes from different companies. Feel free to kick-start that process by using our free online tool below.

What are the safety ratings of the Mazda CX-5?

The safety ratings of the Mazda CX-5 are important to know because positive scores translate to lower insurance rates. 

Take a look at the Mazda CX-5 safety ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the Mazda CX-5 received the highest mark possible in every single category, which is something insurance companies see as a good sign.

Mazda CX-5 Compared Against Other Vehicles in the Same Class

Experts from the IIHS classify the Mazda CX-5 as a small SUV, which is often referred to as a crossover. Other similar models include the following:

• Chevrolet Equinox
• Ford Escape
• Kia Sportage

When providing you with a quote, insurance companies will consider the loss percentages of the Mazda CX-5 as it compares to other similar models in this class, like the three shown above.

The good news is that the Mazda CX-5 reflects a bodily injury loss percentage of -23 percent and a property damage liability loss percentage of -10 percent. Both of these values are considered well above average for this vehicle segment.

Frequently Asked Questions

• Are Mazda CX-5 parts expensive? According to Repair Pal, “Cost. The average total annual cost for repairs and maintenance on a Mazda CX-5 is $447, compared to an average of $573 for midsize SUVs and $652 for all vehicle models.”
• Does the Mazda CX-5 have enough power? The new 2019 turbocharged engine gives it more power than ever.
• Is the Mazda CX-5 a reliable car? It received an 82 out of 100 for quality and reliability from J.D. Powers.
• What is the Mazda CX-5 true cost to own?

Edmund's Mazda CX-5 True Cost to Own®

Now that we have gone into great detail about how Mazda CX-5 insurance rates are calculated, is there anything we might have missed? If not, start comparing Mazda CX-5 quotes from top companies by taking advantage of our free online tool.