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.

Estimated insurance rates for a Mazda CX-5 are $1,138 a year for full coverage. Comprehensive insurance costs on average $206 each year, collision costs $310, and liability costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,456 or more. Teenage drivers pay the most at $4,464 a year or more.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location, instead of using average rates.

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 different risk profiles and scenarios.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,138
• Using low deductibles for comprehensive and collision insurance will cost an additional $226 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,456 or more
• An auto insurance policy that insures a teen driver may cost $4,464 a year

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $350 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different.

How to Find Cheaper Mazda CX-5 Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following is a condensed summary of the data that was touched on in this article.

• Drivers can save as much as $130 per year simply by quoting online in advance
• Policyholders who require higher liability limits will pay an extra $510 each year to go from 30/60 bodily injury limits to the 250/500 level
• Teens pay the highest prices, as much as $372 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,320 more each year for CX-5 insurance

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.