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.

Estimated insurance prices for a Mazda CX-5 are $1,122 every 12 months with full coverage. Comprehensive costs on average $202, collision insurance costs $288, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs around $2,418. Teens pay the most at up to $4,420 a year.

Average premium for full coverage: $1,122

Premium estimates by type of coverage:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $671
• Raising to $1,000 deductibles will save around $110 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,122
• Selecting more expensive low deductibles increases the price to $1,336
• At-risk drivers with serious driving violations could pay upwards of $2,418
• An auto insurance policy to insure a teen driver with full coverage may cost $4,420

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your CX-5.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Cheapest Mazda CX-5 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly raising deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The following is a recap of the ideas that were covered in the above illustrations.

• Teens are expensive to insure, possibly costing $368 per month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,300 more each year for CX-5 insurance
• Increasing policy deductibles could save as much as $325 each year
• You may be able to save as much as $130 per year just by shopping early and online

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.