Mazda CX-5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 insurance prices for a Mazda CX-5 are $1,336 every 12 months for full coverage. Comprehensive costs on average $274, collision costs $474, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing around $2,888. 16-year-old drivers receive the highest rates at $5,048 a year or more.

Average premium for full coverage: $1,336

Rate estimates by individual coverage type:

Comprehensive $274
Collision $474
Liability $430

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $486 for minimum levels of liability insurance to a much higher rate of $2,888 for a policy for a high-risk driver.

Liability Only $486
Full Coverage $1,336
High Risk $2,888

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of 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.

Additional Rate Details

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

  • The best full coverage rate is $775
  • Using higher $1,000 deductibles will save around $170 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,336
  • Buying more expensive low deductibles for physical damage coverage increases the price to $1,666
  • Drivers with multiple tickets or accidents could pay upwards of $2,888 or more
  • The cost to insure a teen driver with full coverage may cost $5,048 or more

View Chart as Image

Mazda CX-5 insurance cost comparison chart
Column chart showing full coverage Mazda CX-5 insurance rates range from $775 to $5,048

Insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your CX-5.

Opting for high physical damage deductibles could cut rates by as much as $500 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Idaho, Maine, and Iowa, or at least $1,910 on average in Michigan, Louisiana, and New York.

Mazda CX-5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,208 -$128 -9.6%
Alaska $1,026 -$310 -23.2%
Arizona $1,110 -$226 -16.9%
Arkansas $1,336 -$0 0.0%
California $1,522 $186 13.9%
Colorado $1,276 -$60 -4.5%
Connecticut $1,374 $38 2.8%
Delaware $1,512 $176 13.2%
Florida $1,670 $334 25.0%
Georgia $1,234 -$102 -7.6%
Hawaii $958 -$378 -28.3%
Idaho $904 -$432 -32.3%
Illinois $996 -$340 -25.4%
Indiana $1,006 -$330 -24.7%
Iowa $902 -$434 -32.5%
Kansas $1,270 -$66 -4.9%
Kentucky $1,822 $486 36.4%
Louisiana $1,978 $642 48.1%
Maine $824 -$512 -38.3%
Maryland $1,102 -$234 -17.5%
Massachusetts $1,070 -$266 -19.9%
Michigan $2,322 $986 73.8%
Minnesota $1,118 -$218 -16.3%
Mississippi $1,600 $264 19.8%
Missouri $1,186 -$150 -11.2%
Montana $1,436 $100 7.5%
Nebraska $1,054 -$282 -21.1%
Nevada $1,600 $264 19.8%
New Hampshire $964 -$372 -27.8%
New Jersey $1,494 $158 11.8%
New Mexico $1,182 -$154 -11.5%
New York $1,406 $70 5.2%
North Carolina $770 -$566 -42.4%
North Dakota $1,094 -$242 -18.1%
Ohio $924 -$412 -30.8%
Oklahoma $1,372 $36 2.7%
Oregon $1,224 -$112 -8.4%
Pennsylvania $1,276 -$60 -4.5%
Rhode Island $1,782 $446 33.4%
South Carolina $1,210 -$126 -9.4%
South Dakota $1,128 -$208 -15.6%
Tennessee $1,170 -$166 -12.4%
Texas $1,610 $274 20.5%
Utah $988 -$348 -26.0%
Vermont $916 -$420 -31.4%
Virginia $800 -$536 -40.1%
Washington $1,034 -$302 -22.6%
West Virginia $1,224 -$112 -8.4%
Wisconsin $926 -$410 -30.7%
Wyoming $1,190 -$146 -10.9%

View Chart as Image

Mazda CX-5 insurance rates by U.S. city

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

Mazda CX-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Mazda CX-5 $274 $474 $430 $1,336
2018 Mazda CX-5 $250 $424 $452 $1,284
2017 Mazda CX-5 $240 $400 $456 $1,254
2016 Mazda CX-5 $230 $358 $460 $1,206
2014 Mazda CX-5 $206 $310 $464 $1,138

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 Shop for the Cheapest Mazda CX-5 Insurance

Saving money on car insurance requires being a low-risk driver, having good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to comparison shop every year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a recap of the coverage data touched on in the above illustrations.

  • Drivers can save as much as $160 per year simply by shopping early and online
  • Increasing deductibles could save as much as $500 each year
  • Teen drivers pay the highest rates, costing as high as $421 per month if they have full coverage
  • Higher risk drivers that have major violations or accidents pay an average of $1,550 more each year to insure their CX-5

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

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 $5,048
20 $3,078
30 $1,388
40 $1,336
50 $1,222
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,666
$250 $1,514
$500 $1,336
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,336
50/100 $1,422
100/300 $1,530
250/500 $1,809
100 CSL $1,465
300 CSL $1,702
500 CSL $1,874

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-5 Insurance Rates for High Risk Drivers
Age Premium
16 $7,184
20 $4,900
30 $2,944
40 $2,888
50 $2,758
60 $2,732

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 $185

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $561
Rate after discounts $775

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

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