Mazda CX-5 Insurance Rates
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UPDATED: Apr 9, 2020
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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.
The average insurance rates for a Mazda CX-5 are $1,352 a year including full coverage. Comprehensive costs on average $284 each year, collision insurance costs $494, and liability costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs around $2,924. Teens cost the most to insure at up to $5,080 a year.
Average premium for full coverage: $1,352
Policy rates by type of insurance:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and CX-5 models.
Price Range Variability
Using a 40-year-old driver as an example, Mazda CX-5 insurance rates range from as low as $474 for your basic liability-only policy to a high rate of $2,924 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location and risk profile, instead of using averaged prices.
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.
More Rate Information
The chart below breaks down average Mazda CX-5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $781
- Using higher $1,000 deductibles will save around $176 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,352
- Selecting low deductibles for physical damage coverage will increase the cost to $1,696
- Drivers with serious driving violations could pay upwards of $2,924
- Policy cost for full coverage for a teen driver may cost $5,080 or more
Auto insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the model of your CX-5, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age
Your home state has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,930 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates
|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 Find More Affordable Mazda CX-5 Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $160 per year just by quoting online in advance
- Policyholders who require higher liability limits will pay approximately $460 per year to increase from a 30/60 limit to 250/500 limits
- Teens are charged the highest rates, with premiums being up to $423 each month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,570 more each year for CX-5 insurance
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.
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