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 for full coverage. Comprehensive costs around $206, collision insurance costs $310, and liability insurance is $464. A policy with only liability insurance costs around $514 a year, and a high-risk policy costs around $2,456. Teenage drivers pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates for type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

The chart below shows average 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 price for a 40-year-old good driver using $500 deductibles is $1,138
• Using pricier low deductibles bumps up the cost to $1,364
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,456
• An auto insurance policy that insures a teen driver for full coverage can be $4,464

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,400 to $1,900 extra annually, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $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 $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

Using high physical damage deductibles can reduce prices by up to $350 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Mazda CX-5 Insurance

Finding better rates on Mazda CX-5 insurance consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below is a quick review of the concepts that were presented in the illustrations above.

• High-risk drivers with a DUI or reckless driving violation pay on average $1,320 more every year for auto insurance
• Teenage drivers are the costliest to insure, as much as $372 per month if full coverage is purchased
• Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $350 each year
• Drivers can save up to $130 per year just by quoting online well ahead of the renewal date

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.