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.

Estimated auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive insurance costs around $206, collision insurance costs $310, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,456 or more. Teens pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay about $116 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,138
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $226 each year
• High-risk insureds with serious driving violations could pay at least $2,456
• An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,464 a year

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your driver profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $350 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy More Affordable Mazda CX-5 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

The list below is a summary of the data that was presented in the illustrations above.

• Drivers can save up to $130 per year just by shopping early and online
• Consumers who may need higher liability limits will pay approximately $510 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are charged the highest prices, as much as $372 per month if they have full coverage
• Drivers who have multiple accidents or major violations pay an average of $1,320 more every year for car insurance

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.