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.

U.S. average insurance rates for a Mazda CX-5 are $1,122 a year for full coverage. Comprehensive insurance costs approximately $202 a year, collision insurance costs $288, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,418 or more. Teen drivers pay the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to get quotes using their specific location, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $671
• Choosing higher $1,000 deductibles can save $1,012 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,122
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $214 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,418
• The price that insures a teen driver can cost $4,420 each year

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on the trim level of your CX-5, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay 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 can save as much as $330 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance takes being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Shop around every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a review of the information illustrated above.

• Drivers can save around $130 per year just by quoting early and online
• Teen drivers pay the highest auto insurance prices, with premiums as much as $368 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $325 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,300 more per year to insure their CX-5
• Drivers who purchase more liability coverage will pay about $520 each year to raise limits from a low limit to the 250/500 level

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.