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 costs approximately $206 a year, collision insurance costs $310, and liability coverage costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs around $2,456. Teens cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save $1,022 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,138
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,364
• Higher-risk drivers with serious driving violations could pay around $2,456
• Policy cost for full coverage for a teenage driver can cost $4,464 or more

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 physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 a year, while buying higher liability limits will push rates upward. 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 anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 137% more than the average policy. View High Risk Driver Rates

How to Find Low Cost Mazda CX-5 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the concepts that were covered above.

• Drivers who have several accidents or serious violations pay on average $1,320 more per year for CX-5 insurance
• Teens are expensive to insure, as much as $372 each month for full coverage
• You may be able to save around $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• You may be able to save around $130 per year just by quoting early and online

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.