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 auto insurance rates for a Mazda CX-5 are $1,122 annually for full coverage. Comprehensive costs on average $202, collision insurance costs $288, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,418. Teens pay the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows average Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $671
• Raising to $1,000 deductibles will save around $110 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,122
• Selecting pricier low deductibles will cost $1,336
• Higher-risk drivers with serious driving violations could pay upwards of $2,418
• The price with full coverage for a teen driver for full coverage may cost $4,420

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

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 in extra premium each year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find prices as low as $740 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,600 on average in Michigan, Louisiana, and New York.

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How to Buy the Best Cheap Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick review of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $368 a month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,300 more each year than a safer driver
• Increasing physical damage deductibles could save up to $325 each year
• Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date

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.