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 $1,122 every 12 months for full coverage insurance. Comprehensive costs on average $202, collision insurance costs $288, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,418. Teenage drivers cost the most to insure at up to $4,420 a year.

Average premium for full coverage: $1,122

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $671
• Raising to $1,000 deductibles will save around $110 each year
• The average price for a good driver age 40 with $500 deductibles is $1,122
• Using more expensive low deductibles increases the price to $1,336
• Drivers who are prone to accidents and violations could pay upwards of $2,418
• Policy cost to insure a 16-year-old driver with full coverage may cost $4,420

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your CX-5.

Using high physical damage deductibles can reduce rates by up to $330 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean 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 can expect to pay upwards of $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 are probably paying at a minimum $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than a normal 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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheaper Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 consists of avoiding accidents and violations, having good credit, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by quoting rates from direct insurance companies, and also from several local insurance agents.

The list below is a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,300 more each year for car insurance
• Teenagers pay the highest rates, possibly costing $368 each month if they have full coverage
• It is possible to save as much as $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible 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.