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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage. Comprehensive costs around $206, collision costs $310, and liability insurance costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing around $2,456. Teen drivers pay the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $678
• Using higher $1,000 deductibles will save about $116 a year
• The average price for the average middle-age driver using $500 deductibles is $1,138
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,364
• Drivers with multiple violations and an at-fault accident could pay at least $2,456 or more
• The price to insure a teen driver with full coverage can be $4,464 or more

View Chart as Image

Auto insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $350 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 137% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices may be quite different.

How to Shop for Low Cost Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the ideas that were presented in the illustrations above.

• Teen drivers are expensive to insure, with premiums as much as $372 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,320 more every year to insure their CX-5
• Increasing physical damage deductibles could save as much as $350 each year
• Drivers can save up to $130 per year simply by shopping 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.