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 for full coverage insurance. Comprehensive costs an estimated $206, collision costs $310, and liability coverage is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing around $2,456. 16-year-old drivers receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities.

The price range example below illustrates how geographic area affects insurance prices.

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The best full coverage rate is $678
• Choosing higher $1,000 deductibles can save approximately $116 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,138
• Buying more expensive low deductibles for comp and collision coverage will cost $1,364
• Drivers with multiple tickets or accidents could pay up to $2,456 or more
• The cost with full coverage for a teenage driver with full coverage can cost as much as $4,464 each 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 risk profile, and liability limits and deductibles.

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

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

Opting for high physical damage deductibles can save as much as $350 a year, while increasing your policy's liability limits will increase premiums. Switching 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 plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different between companies.

How to Buy the Best Mazda CX-5 Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief recap of the car insurance concepts presented in the illustrations above.

• Drivers who tend to receive serious violations may pay on average $1,320 more annually for CX-5 insurance
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing deductibles could save up to $350 each year
• Consumers who want higher liability limits will pay around $510 annually to raise limits from a minimum limit to higher 250/500 limits

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.