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.

Average insurance rates for a Mazda CX-5 are $1,138 a year with full coverage. Comprehensive costs on average $206, collision costs $310, and liability coverage is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing around $2,456. Teens receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on car insurance rates.

These examples demonstrate why everyone should get quotes based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below details estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $678
• Choosing higher $1,000 deductibles can save around $116 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,138
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,364
• Drivers with serious driving violations could pay upwards of $2,456 or more
• The cost for full coverage for a teenage driver for full coverage may cost $4,464 each year

View Chart as Image

Auto insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. Mazda CX-5 insurance for high-risk drivers ranges around 43% to 137% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

How to Find More Affordable Mazda CX-5 Insurance

Saving money on auto insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates once a year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The following list is a summary of the data that was touched on in this article.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Consumers who require an increased level of liability coverage will pay approximately $510 every year to raise limits from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $372 per month if they have full coverage
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,320 more each year than a safer driver

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.