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 prices for a Mazda CX-5 are $1,336 every 12 months for full coverage insurance. Comprehensive insurance costs around $274 each year, collision insurance costs $474, and liability insurance is $430. Buying just liability costs around $486 a year, and insurance for high-risk drivers costs $2,888 or more. Teenage drivers cost the most to insure at up to $5,048 a year.

Average premium for full coverage: $1,336

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $775
• Raising to $1,000 deductibles will save about $170 each year
• The average price for a good driver age 40 using $500 deductibles is $1,336
• Using low deductibles costs an extra $330 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,888
• Policy cost to insure a teen driver can be $5,048

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $500 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Best Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance consists of having a decent driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the data that was touched on above.

• It is possible to save up to $160 per year just by quoting online in advance
• Drivers who may need additional liability coverage will pay an extra $470 annually to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, possibly costing $421 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,550 more every year than a driver with a clean driving record

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?

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.