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 $1,122 a year for full coverage. Comprehensive insurance costs an estimated $202, collision insurance costs $288, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,418 or more. Teen drivers cost the most to insure at up to $4,420 a year.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Analysis

The chart below shows average Mazda CX-5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $671
• Using higher $1,000 deductibles will save approximately $110 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,122
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $214 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,418
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,420 or more

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the trim level of your CX-5, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Iowa, Maine, and Idaho, or as much as $1,600 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $330 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than average. View High Risk Driver Rates

How to Find Low Cost Mazda CX-5 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the data touched on above.

• Policyholders who want higher liability limits will pay about $520 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save approximately $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teens are charged the highest rates, costing up to $368 each month for full coverage

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.