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.

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:

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

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.

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.

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

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.

View Chart as Image

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.

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?

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.