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Mazda CX-5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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.

Average auto insurance rates for a Mazda CX-5 are $1,366 annually including full coverage. Comprehensive insurance costs approximately $306 a year, collision insurance costs $512, and liability coverage is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $2,940 or more. 16-year-old drivers receive the highest rates at up to $5,052 a year.

Average premium for full coverage: $1,366

Rate estimates by individual coverage type:

Comprehensive $306
Collision $512
Liability $390

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist coverage. Rates are averaged for all 50 U.S. states and CX-5 trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $452 for only liability insurance to a high of $2,940 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,366
High Risk $2,940

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

These examples highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

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

  • The best full coverage rate is $792
  • Raising to $1,000 deductibles will save $1,180 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,366
  • Buying low $100 deductibles costs an additional $358 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,940
  • The cost with full coverage for a teenage driver can cost $5,052

View Chart as Image

Mazda CX-5 insurance cost comparison chart
Column chart showing Mazda CX-5 insurance prices range from $792 to $5,052 for full coverage

Auto insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $550 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,950 on average in Louisiana, New York, and Michigan.

Mazda CX-5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,236 -$130 -9.5%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,556 $190 13.9%
Colorado $1,304 -$62 -4.5%
Connecticut $1,406 $40 2.9%
Delaware $1,546 $180 13.2%
Florida $1,710 $344 25.2%
Georgia $1,262 -$104 -7.6%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,016 -$350 -25.6%
Indiana $1,030 -$336 -24.6%
Iowa $924 -$442 -32.4%
Kansas $1,300 -$66 -4.8%
Kentucky $1,864 $498 36.5%
Louisiana $2,022 $656 48.0%
Maine $844 -$522 -38.2%
Maryland $1,128 -$238 -17.4%
Massachusetts $1,094 -$272 -19.9%
Michigan $2,374 $1,008 73.8%
Minnesota $1,142 -$224 -16.4%
Mississippi $1,636 $270 19.8%
Missouri $1,212 -$154 -11.3%
Montana $1,468 $102 7.5%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $982 -$384 -28.1%
New Jersey $1,528 $162 11.9%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,402 $36 2.6%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,304 -$62 -4.5%
Rhode Island $1,822 $456 33.4%
South Carolina $1,238 -$128 -9.4%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,198 -$168 -12.3%
Texas $1,648 $282 20.6%
Utah $1,010 -$356 -26.1%
Vermont $936 -$430 -31.5%
Virginia $818 -$548 -40.1%
Washington $1,054 -$312 -22.8%
West Virginia $1,252 -$114 -8.3%
Wisconsin $946 -$420 -30.7%
Wyoming $1,220 -$146 -10.7%

View Chart as Image

Mazda CX-5 insurance rates by U.S. city
Mazda CX-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Mazda CX-5 $306 $512 $390 $1,366
2019 Mazda CX-5 $294 $506 $398 $1,356
2018 Mazda CX-5 $284 $494 $416 $1,352
2017 Mazda CX-5 $274 $474 $430 $1,336
2016 Mazda CX-5 $260 $458 $442 $1,318
2015 Mazda CX-5 $250 $424 $452 $1,284
2014 Mazda CX-5 $240 $400 $456 $1,254
2013 Mazda CX-5 $230 $358 $460 $1,206

Rates are averaged for all Mazda CX-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap Mazda CX-5 Insurance

Saving money on auto insurance consists of being a safe driver, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Here is a brief summary of the concepts that were presented in the illustrations above.

  • Drivers that tend to have accidents or serious violations may have to pay on average $1,570 more per year for insurance
  • Young drivers have the highest car insurance rates, as much as $421 per month if full coverage is included
  • You may be able to save around $160 per year just by quoting early and online
  • Increasing deductibles could save up to $550 each year
  • You may be able to save around $160 per year just by quoting 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.

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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:

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®
Edmunds True Cost to Own®Year 1Total
Financing$1,633$4,747
Depreciation$8,244$18,141
Fuel$1,350$7,168
True Cost to Own®$14,424$44,010
Get Your Rates Quote Now

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.

Rates by Driver Age

Mazda CX-5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,052
20 $3,130
30 $1,424
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,560
$500 $1,366
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,444
100/300 $1,542
250/500 $1,795
100 CSL $1,483
300 CSL $1,698
500 CSL $1,854

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-5 Insurance Rates for High Risk Drivers
Age Premium
16 $7,202
20 $4,976
30 $3,004
40 $2,940
50 $2,804
60 $2,778

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $67
Online Quote $97
Total Discounts $574
Rate after discounts $792

Discounts are estimated and may not be available from every company or in every state.

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