Mazda CX-5 Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,352 every 12 months including full coverage. Comprehensive insurance costs around $284 each year, collision costs $494, and liability is estimated at $416. Buying just liability costs approximately $474 a year, with insurance for high-risk drivers costing $2,924 or more. Teenage drivers receive the highest rates at $5,080 a year or more.
Average premium for full coverage: $1,352
Rate estimates for individual coverage type:
Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and CX-5 models.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $474 for just the minimum liability insurance to a high rate of $2,924 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down estimated Mazda CX-5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $781
- Choosing higher $1,000 deductibles can save about $176 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,352
- Using low deductibles for comp and collision coverage costs an extra $344 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,924 or more
- The cost to insure a 16-year-old driver can be $5,080 each year
Auto insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $520 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,930 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Mazda CX-5||$284||$494||$416||$1,352|
|2018 Mazda CX-5||$260||$458||$442||$1,318|
|2017 Mazda CX-5||$250||$424||$452||$1,284|
|2016 Mazda CX-5||$240||$400||$456||$1,254|
|2014 Mazda CX-5||$214||$330||$460||$1,162|
Rates are averaged for all Mazda CX-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Mazda CX-5 Insurance
Saving money on insurance for a Mazda CX-5 takes being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a recap of the data that was covered in the above illustrations.
- You may be able to save up to $160 per year simply by quoting online in advance
- Insureds who may need more liability coverage will pay an extra $460 per year to raise limits from a minimum limit to a 250/500 level
- Teen drivers are expensive to insure, as much as $423 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,570 more every year to insure their CX-5
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.
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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:
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?
|Edmunds True Cost to Own®||Year 1||Total|
|True Cost to Own®||$14,424||$44,010|
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.