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 insurance costs around $206 each year, collision insurance costs $310, and liability coverage costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,456 or more. 16-year-old drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than using rate 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 choices and driver risks.

• The best full coverage rate is $678
• Using higher $1,000 deductibles will save about $116 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,138
• Buying low deductibles for physical damage coverage will cost an extra $226 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,456
• Policy cost for full coverage for a teenage driver can be $4,464 or more

View Chart as Image

Car insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $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 New Hampshire, Ohio, and Utah, or at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $350 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. 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 at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 137% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Mazda CX-5 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a summary of the data that was touched on above.

• You may be able to save up to $130 per year just by quoting online in advance
• Consumers who may need increased liability limits will pay around $510 every year to increase from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are the costliest to insure, as much as $372 each month if full coverage is included
• Drivers who have multiple accidents or major violations pay an average of $1,320 more every year to insure a Mazda CX-5

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.