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.

Estimated insurance prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs on average $206, collision costs $310, and liability insurance costs $464. A liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,456. 16-year-old drivers pay the most at $4,464 a year or more.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,138
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,364
• High risk drivers with multiple tickets or accidents could pay upwards of $2,456 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $4,464 a year

View Chart as Image

Auto insurance prices for a Mazda CX-5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your CX-5.

Opting for high physical damage deductibles could save up to $350 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 137% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,540 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company utilizes a different rate formula, and quoted prices will be substantially different.

How to Shop for the Best Mazda CX-5 Insurance

Finding better rates on Mazda CX-5 insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a brief recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers who tend to receive serious violations pay on average $1,320 more each year to insure their CX-5
• It is possible to save as much as $130 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $350 each year
• Drivers who require more liability coverage will pay around $510 annually to go from 30/60 bodily injury limits to a 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.