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 rates for a Mazda CX-5 are $1,122 a year for full coverage insurance. Comprehensive costs around $202, collision costs $288, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,418. 16-year-old drivers pay the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,122

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

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

The ranges above illustrate why everyone should get quotes for a specific zip code and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $671
• Choosing higher $1,000 deductibles can save about $110 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,122
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,336
• Unlucky drivers with multiple tickets or accidents could pay at least $2,418 or more
• The price for full coverage for a teen driver for full coverage can be $4,420 each year

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $330 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,300 to $1,900 additional each year, depending on your age. Mazda CX-5 insurance for high-risk drivers ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different from one company to the next.

How to Find Cheap Mazda CX-5 Insurance

Getting lower rates on car insurance takes being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,300 more every year than a safer driver
• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $325 each year
• Policyholders who may need an increased level of liability coverage will pay around $520 annually to raise limits from a low limit to 250/500 limits

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.