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 $1,336 a year with full coverage. Comprehensive insurance costs on average $274 a year, collision costs $474, and liability insurance is $430. A liability-only policy costs around $486 a year, with high-risk insurance costing $2,888 or more. Teens receive the highest rates at $5,048 a year or more.

Average premium for full coverage: $1,336

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

These examples demonstrate why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $775
• Raising to $1,000 deductibles will save around $1,166 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,336
• Selecting low $100 deductibles will cost an extra $330 a year
• Higher-risk drivers with serious driving violations could pay upwards of $2,888 or more
• The cost for full coverage for a teen driver may cost $5,048

View Chart as Image

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.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

Where you live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,800 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $387 more per 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 $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% 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 get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

How to Find the Best Cheap Mazda CX-5 Insurance

Saving money on Mazda CX-5 insurance consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Spend time shopping around once a year by getting price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The list below is a quick review of the data that was touched on above.

• You may be able to save as much as $160 per year simply by quoting early and online
• Drivers who require higher liability limits will pay approximately $470 every year to raise from a minimum limit to 250/500 limits
• Teenagers pay the highest rates, with premiums as much as $421 per month for full coverage
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,550 more each year for car 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.

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.