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 $1,138 a year with full coverage. Comprehensive insurance costs around $206, collision costs $310, and liability is $464. Buying just liability costs around $514 a year, with insurance for high-risk drivers costing $2,456 or more. Teens cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below details estimated Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save about $116 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,138
• Selecting pricier low deductibles will cost an extra $226 every year
• At-risk drivers with serious driving violations could pay at least $2,456 or more
• Policy cost for full coverage for a teen driver for full coverage can be $4,464

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $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 $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 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 may be forking out at least $1,400 to $1,900 extra every year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates will be varied from one company to the next.

How to Find the Right Mazda CX-5 Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick rundown of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,320 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers age 16 to 20 pay higher rates, as much as $372 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.