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.

U.S. average insurance rates for a Mazda CX-5 are $1,138 a year for full coverage. Comprehensive costs an estimated $206, collision costs $310, and liability insurance costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing around $2,456. Teenage drivers pay the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates broken down by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

The ranges above show why everyone should compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save approximately $116 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,138
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,364
• Drivers who are prone to accidents and violations could pay up to $2,456 or more
• The price for full coverage for a teen driver for full coverage can cost as much as $4,464 or more

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on your driving record, the trim level of your CX-5, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age

The state you live in has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $350 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 extra each year, depending on your age. Mazda CX-5 insurance for high-risk drivers can be anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

How to Find the Right Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a quick rundown of the coverage data presented in the illustrations above.

• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $350 each year
• Teen drivers have the highest car insurance prices, with premiums as much as $372 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,320 more annually 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.

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.