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 prices for a Mazda CX-5 are $1,138 every 12 months with full coverage. Comprehensive insurance costs around $206, collision costs $310, and liability is $464. Liability-only insurance costs around $514 a year, with high-risk driver insurance costing $2,456 or more. Teens cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details estimated 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 annually
• The average price for a good driver age 40 using $500 deductibles is $1,138
• Selecting pricier low deductibles costs an extra $226 annually
• Drivers with serious driving violations could pay at least $2,456 or more
• Policy cost to insure a 16-year-old driver for full coverage can be $4,464

View Chart as Image

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

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

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 in extra premium every year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost from 43% to 137% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied.

How to Shop for Affordable Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 consists of having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

The following items are a brief review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, as much as $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,320 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date

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.