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 $1,138 a year with full coverage. Comprehensive insurance costs around $206 a year, collision insurance costs $310, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,456 or more. 16-year-old drivers pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates for type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $678
• Using higher $1,000 deductibles will save about $1,022 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,138
• Buying low $100 deductibles for physical damage coverage will cost an additional $226 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,456
• An auto insurance policy that insures a 16-year-old driver can be $4,464 or more

View Chart as Image

Auto insurance prices for a Mazda CX-5 also have a wide range based on the trim level of your CX-5, 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 $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $820 a year in states like New Hampshire, Ohio, and Utah, or at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $350 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the primary concepts that were covered above.

• You may be able to save up to $130 per year just by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,320 more every year for car insurance
• Increasing policy deductibles can save approximately $350 each year
• Teenagers are expensive to insure, possibly costing $372 per month if the policy includes full coverage

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.