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.

U.S. average auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive costs around $206 a year, collision insurance costs $310, and liability is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs around $2,456. Teen drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

The ranges above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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 lowest rate with discounts is $678
• Raising to $1,000 deductibles will save about $1,022 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,138
• Choosing low $100 deductibles will cost $1,364
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,456
• The price with full coverage for a teen driver can be $4,464

View Chart as Image

Auto insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $350 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices as low as $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheap Mazda CX-5 Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the material that was presented in the illustrations above.

• Policyholders who may need higher liability limits will pay about $510 each year to raise from a low limit to higher 250/500 limits
• Teenagers are expensive to insure, with premiums as much as $372 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,320 more every year for car insurance
• Increasing physical damage deductibles could save up to $350 each year

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.