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.

Average auto insurance rates for a Mazda CX-5 are $1,122 annually for full coverage insurance. Comprehensive insurance costs around $202, collision costs $288, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,418 or more. 16-year-old drivers receive the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,122

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $671
• Choosing higher $1,000 deductibles can save about $110 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,122
• Buying pricier low deductibles for comp and collision coverage costs an additional $214 each year
• Drivers with multiple tickets or accidents could pay at least $2,418 or more
• The cost with full coverage for a teenage driver for full coverage can be $4,420 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,300 to $1,900 additional per year, depending on your age. Mazda CX-5 insurance for high-risk drivers ranges around 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $330 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live 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 Vermont, Wisconsin, and North Carolina, or at least $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.

How to Buy the Best Mazda CX-5 Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief recap of the data that was covered above.

• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Consumers who may need more liability protection will pay around $520 annually to raise limits from a minimum limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $368 per month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,300 more every year than a low-risk driver

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.