Mazda CX-5 Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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?
Edmunds True Cost to Own® | Year 1 | Total |
---|---|---|
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,666 |
$250 | $1,514 |
$500 | $1,336 |
$1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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