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 prices for a Mazda CX-5 are $1,138 every 12 months with full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $310, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs $2,456 or more. Teen drivers 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 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $678
• Choosing higher $1,000 deductibles can save $116 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,138
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $226 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,456
• Policy cost to insure a teen driver with full coverage can cost $4,464 each year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your driving record, and the model of your CX-5.

Choosing high deductibles can save as much as $350 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 137% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Low Cost Mazda CX-5 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a review of the material that was touched on in this article.

• Policyholders who purchase more liability protection will pay about $510 every year to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers are expensive to insure, as much as $372 each month if they have full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,320 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $350 each year

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.