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 $1,138 a year including full coverage. Comprehensive insurance costs around $206 each year, collision costs $310, and liability insurance 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 highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates for individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

The ranges above highlight why all drivers should compare rates for a specific zip code, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay about $116 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,138
• Using low deductibles for comprehensive and collision insurance will cost an additional $226 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,456 or more
• The price that insures a teen driver can be $4,464 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

The state you live in makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $350 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different.

How to Find the Right Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the material that was illustrated above.

• Drivers who may need an increased level of liability coverage will pay an extra $510 per year to go from a low limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $372 a month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,320 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $350 each year

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.