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.

U.S. average auto insurance rates for a Mazda CX-5 are $1,122 annually including full coverage. Comprehensive insurance costs approximately $202 each year, collision insurance costs $288, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,418 or more. Teenage drivers pay the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below breaks down average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $671
• Choosing higher $1,000 deductibles can save $110 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,122
• Using low deductibles for comp and collision coverage costs an additional $214 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,418
• The price with full coverage for a teen driver can cost $4,420 each year

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $330 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,600 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance takes having a good driving record, having a good credit score, being claim-free, and attention to physical damage deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the information touched on in this article.

• You may be able to save around $130 per year just by quoting online in advance
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $368 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $325 each year
• High-risk drivers who tend to receive serious violations may have to pay on average $1,300 more per year to buy Mazda CX-5 insurance
• Drivers who purchase increased levels of liability coverage will pay an extra $520 per year to raise limits from a low limit to higher 250/500 limits

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.