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.

Estimated auto insurance rates for a Mazda CX-5 are $1,122 annually for full coverage insurance. Comprehensive insurance costs an estimated $202 a year, collision costs $288, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,418 or more. Teens pay the most at $4,420 a year or more.

Average premium for full coverage: $1,122

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $671
• Drivers who choose higher $1,000 deductibles will pay approximately $1,012 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,122
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $214 annually
• Drivers with serious driving violations could pay up to $2,418 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,420 a year

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $330 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every company calculates prices differently, so the prices will be substantially different between companies.

How to Buy Affordable Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $130 per year simply by quoting early and online
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,300 more annually to buy Mazda CX-5 insurance
• Increasing policy deductibles could save up to $325 each year
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $368 per month including comprehensive and collision insurance

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.