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 auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive costs around $206, collision costs $310, and liability is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing around $2,456. 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:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $678
• Raising to $1,000 deductibles will save about $116 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,138
• Using more expensive low deductibles will cost $1,364
• At-risk drivers who are prone to accidents and violations could pay at least $2,456 or more
• The price with full coverage for a teen driver with full coverage can be $4,464

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $350 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

How to Buy Cheap Mazda CX-5 Insurance

Getting lower rates on car insurance consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the material that was covered in the above illustrations.

• Policyholders who may need more liability coverage will pay an extra $510 each year to raise from a low limit to higher 250/500 limits
• Teen drivers pay higher prices, with premiums as much as $372 a month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,320 more every year to insure their CX-5
• Increasing physical damage deductibles could save up to $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.