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.

Average insurance prices for a Mazda CX-5 are $1,122 every 12 months for full coverage. Comprehensive costs around $202 a year, collision insurance costs $288, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,418. Teens receive the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $671
• Drivers who choose higher $1,000 deductibles will pay about $1,012 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,122
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,336
• Higher-risk drivers with serious driving violations could pay at least $2,418
• The cost to insure a teen driver can be $4,420 a year

View Chart as Image

Insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $330 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay 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.

View Chart as Image

How to Shop for Cheap Mazda CX-5 Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the information touched on in this article.

• Drivers can save up to $130 per year just by quoting early and online
• Teenagers pay higher rates, costing as high as $368 per month if they have full coverage
• Increasing deductibles could save as much as $325 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,300 more every year for car insurance
• Policyholders who may need higher liability limits will pay approximately $520 each year to go from a minimum limit to a 250/500 level

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.