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 rates for a Mazda CX-5 are $1,122 a year with full coverage. Comprehensive insurance costs around $202, collision costs $288, and liability coverage is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing $2,418 or more. Teens pay the most at $4,420 a year or more.

Average premium for full coverage: $1,122

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $671
• Raising to $1,000 deductibles will save about $110 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,122
• Selecting more expensive low deductibles will cost an additional $214 each year
• Unlucky drivers with serious driving violations could pay at least $2,418 or more
• An auto insurance policy that insures a teenage driver with full coverage can be $4,420

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.

How to Find Cheap Mazda CX-5 Insurance

Finding better rates on auto insurance consists of having a decent driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare rates at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a brief summary of the concepts that were presented in the illustrations above.

• Drivers that tend to have accidents or serious violations may pay on average $1,300 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $368 per month if full coverage is purchased
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $325 each year
• You may be able to save up to $130 per year simply by shopping early and online

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.