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 auto insurance rates for a Mazda CX-5 are $1,122 annually with full coverage. Comprehensive insurance costs approximately $202 a year, collision costs $288, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,418 or more. Teenage drivers receive the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured 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 can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $671
• Raising to $1,000 deductibles will save $1,012 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,122
• Using low $100 deductibles costs an additional $214 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,418 or more
• The cost with full coverage for a teen driver can cost $4,420

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driving record, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $330 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,520 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

How to Buy the Right Mazda CX-5 Insurance

Saving money on car insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a quick rundown of the primary concepts that were presented in the illustrations above.

• You may be able to save around $130 per year simply by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,300 more per year for auto insurance
• Increasing deductibles could save up to $325 each year
• Teenage drivers pay the highest auto insurance rates, with premiums as much as $368 per month if comprehensive and collision insurance is included

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.