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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage. Comprehensive costs around $206 each year, collision insurance costs $310, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,456. Teen drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist 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 auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $678
• Choosing higher $1,000 deductibles can save about $116 a year
• The average price for a good driver age 40 using $500 deductibles is $1,138
• Choosing low deductibles for comp and collision coverage increases the price to $1,364
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,456
• Policy cost to insure a 16-year-old driver can be $4,464 each year

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles can save as much as $350 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher 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 excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 137% more than average. View High Risk Driver Rates

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 $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Low Cost Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a review of the coverage data covered in the charts and tables above.

• Drivers can save up to $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers age 20 and younger are expensive to insure, costing up to $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,320 more every year to buy Mazda CX-5 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?

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.