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 $1,138 a year including full coverage. Comprehensive costs on average $206 each year, collision insurance costs $310, and liability coverage costs $464. A policy with just liability insurance costs as little as $514 a year, and coverage for high-risk drivers costs around $2,456. Teenage drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

The ranges above highlight why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,138
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,364
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,456
• The price for full coverage for a teenage driver may cost $4,464 a year

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on your driving record, the model of your CX-5, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $350 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Mazda CX-5 Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief summary of the concepts that were touched on above.

• Drivers that tend to have accidents or serious violations may pay on average $1,320 more each year for CX-5 insurance
• Teens pay the highest prices, possibly costing $372 a month for full coverage
• You may be able to save as much as $130 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $350 each year
• You may be able to save as much as $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.