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 rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $310, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,456 or more. 16-year-old drivers pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates broken down by type of coverage:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Mazda CX-5 insurance rates for other coverage scenarios.

• The best full coverage rate is $678
• Choosing higher $1,000 deductibles can save approximately $1,022 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,138
• Buying low $100 deductibles for comp and collision coverage will cost an additional $226 each year
• Drivers with multiple tickets or accidents could pay up to $2,456
• An auto insurance policy that insures a teenage driver can cost as much as $4,464 each year

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the trim level of your CX-5, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $350 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Mazda CX-5 Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Comparison shop every other policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a recap of the ideas that were covered in the above illustrations.

• Teenage drivers are expensive to insure, with the cost nearing $372 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be charged and average of $1,320 more annually for auto insurance
• Increasing policy deductibles can save approximately $350 each year
• You may be able to save approximately $130 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?

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.