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 prices for a Mazda CX-5 are $1,138 every 12 months including full coverage. Comprehensive insurance costs around $206 each year, collision insurance costs $310, and liability coverage is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs $2,456 or more. Teenage drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These examples highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

More Rate Details

The chart below breaks down 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 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,138
• Using low deductibles costs an extra $226 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,456
• The cost to insure a teenage driver can be $4,464

View Chart as Image

Insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $350 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Where you live 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for More Affordable Mazda CX-5 Insurance

Saving money on auto insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the data that was touched on in the above illustrations.

• You may be able to save up to $130 per year just by quoting online in advance
• Consumers who may need more liability protection will pay an extra $510 per year to raise from a minimum limit to a 250/500 level
• Youthful drivers are charged the highest rates, as much as $372 per month if full coverage is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,320 more every year than a low-risk 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.