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 auto insurance rates for a Mazda CX-5 are $1,138 annually including full coverage. Comprehensive insurance costs an estimated $206, collision costs $310, and liability insurance is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing $2,456 or more. Teenage drivers cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save approximately $116 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,138
• Using more expensive low deductibles for comp and collision coverage costs an additional $226 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,456 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,464 each year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $350 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy More Affordable Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the data that was illustrated above.

• You may be able to save approximately $130 per year simply by shopping early and online
• Drivers who want higher liability limits will pay an extra $510 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenagers are charged the highest rates, with premiums being up to $372 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,320 more annually for car 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.