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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs approximately $206, collision insurance costs $310, and liability coverage costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs around $2,456. Teenage drivers pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,138
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,364
• High-risk insureds who are prone to accidents and violations could pay around $2,456
• An auto insurance policy to insure a teenage driver for full coverage can cost $4,464 a year

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your CX-5.

Using high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Mazda CX-5 insurance for high-risk drivers can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Mazda CX-5 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below is a recap of the material that was covered in the above illustrations.

• Consumers who purchase higher levels of liability will pay an extra $510 annually to go from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers are expensive to insure, with premiums being up to $372 per month if they have full coverage
• Drivers that have major violations or accidents may have to pay on average $1,320 more per year for auto insurance
• Increasing policy deductibles could save as much as $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.