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.

The average insurance rates for a Mazda CX-5 are $1,122 a year for full coverage. Comprehensive insurance costs an estimated $202 each year, collision insurance costs $288, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,418 or more. 16-year-old drivers cost the most to insure at up to $4,420 a year.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why all drivers should get quotes for a targeted area, instead of making a decision based on rate averages.

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

More Rate Details

The chart below shows average Mazda CX-5 insurance rates for other coverage scenarios.

• The best full coverage rate is $671
• Choosing higher $1,000 deductibles can save approximately $110 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,122
• Buying low deductibles for comp and collision coverage will cost an additional $214 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,418
• Policy cost that insures a 16-year-old driver can cost as much as $4,420 each year

View Chart as Image

Car insurance rates for a Mazda CX-5 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or at least $1,600 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 takes having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief recap of the ideas that were covered above.

• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $368 each month if full coverage is purchased
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,300 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers can save approximately $130 per year just by quoting online in advance

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.