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 including full coverage. Comprehensive insurance costs around $206, collision insurance costs $310, and liability costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs $2,456 or more. 16-year-old drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

The chart below breaks down average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay about $116 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,138
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $226 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,456
• The cost with full coverage for a teen driver with full coverage can be $4,464 a year

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $350 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Cheap Mazda CX-5 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $130 per year just by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,320 more every year than a low-risk driver
• Increasing deductibles could save up to $350 each year
• Youthful drivers are the costliest to insure, as much as $372 per month if comprehensive and collision insurance is included

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.