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 $1,138 annually with full coverage. Comprehensive insurance costs on average $206, collision insurance costs $310, and liability insurance is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs $2,456 or more. Teenage drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $678
• Raising to $1,000 deductibles will save around $116 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,138
• Using more expensive low deductibles costs an additional $226 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,456
• The cost with full coverage for a teen driver with full coverage may cost $4,464

View Chart as Image

Insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $350 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each 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 $820 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Best Mazda CX-5 Insurance

Saving money on Mazda CX-5 insurance consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a brief recap of the ideas that were covered in the charts and tables above.

• Youthful drivers pay higher rates, with premiums as much as $372 per month if they have full coverage
• High-risk drivers who tend to receive serious violations pay an average of $1,320 more each year than a low-risk driver
• Increasing deductibles could save up to $350 each year
• You may be able to save as much as $130 per year just by shopping 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.