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 with full coverage. Comprehensive insurance costs approximately $202 each year, collision insurance costs $288, and liability is $474. Buying just liability costs around $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 by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their specific location, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $671
• Raising to $1,000 deductibles will save $110 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,122
• Choosing low deductibles will cost an additional $214 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,418
• Policy cost that insures a teen driver can cost $4,420

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,520 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $330 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Mazda CX-5 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and possibly raising deductibles. Shop around at every other renewal by getting quotes from direct companies, and also from local insurance agencies.

The list below is a quick review of the concepts that were covered in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,300 more per year for car insurance
• Teenagers are expensive to insure, as much as $368 each month if full coverage is included
• You may be able to save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save around $130 per year just by quoting online in advance

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.