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 rates for a Mazda CX-5 are $1,122 a year for full coverage insurance. Comprehensive costs on average $202, collision insurance costs $288, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,418. Teens 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:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $671
• Choosing higher $1,000 deductibles can save around $110 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,122
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,336
• Unlucky drivers with serious driving violations could pay upwards of $2,418
• Policy cost that insures a teen driver with full coverage may cost $4,420 each year

View Chart as Image

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

If you have a few points on your driving record or you caused 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 ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda CX-5 Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the information covered in the charts and tables above.

• It is possible to save as much as $130 per year just by shopping early and online
• Drivers age 16 to 20 pay the highest rates, possibly costing $368 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,300 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay approximately $520 annually to raise limits from a 30/60 limit to the 250/500 level

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.