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.

The average insurance rates for a Mazda CX-5 are $1,138 a year for full coverage insurance. Comprehensive costs around $206, collision costs $310, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, with high-risk driver insurance costing around $2,456. Teen drivers cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $678
• Choosing higher $1,000 deductibles can save about $116 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,138
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,364
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,456 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $4,464 each year

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,540 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $350 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find the Right Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 takes having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick rundown of the ideas that were touched on in the above illustrations.

• Drivers age 20 and younger are expensive to insure, possibly costing $372 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,320 more every year to buy Mazda CX-5 insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• It is possible 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.