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 insurance rates for a Mazda CX-5 are $1,138 a year for full coverage insurance. Comprehensive insurance costs around $206 each year, collision insurance costs $310, and liability coverage is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs $2,456 or more. Teens cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why all drivers should compare rates quotes for a specific zip code, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save about $116 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,138
• Selecting low deductibles will cost an additional $226 each year
• Unlucky drivers with serious driving violations could pay at least $2,456
• Policy cost that insures a teenage driver can be $4,464

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

Your home state also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,540 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Mazda CX-5 Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations could be forced to pay on average $1,320 more every year than a low-risk driver
• It is possible to save up to $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Consumers who may need more liability protection will pay approximately $510 annually to raise from a 30/60 limit to the 250/500 level

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.