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.

U.S. average insurance prices for a Mazda CX-5 are $1,138 every 12 months with full coverage. Comprehensive insurance costs an estimated $206, collision insurance costs $310, and liability insurance is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs $2,456 or more. Teen drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The price range example below illustrates how location impacts insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

The chart below details average Mazda CX-5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $678
• Raising to $1,000 deductibles will save approximately $116 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,138
• Choosing more expensive low deductibles costs an extra $226 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,456
• The price to insure a teen driver with full coverage can cost as much as $4,464

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $350 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 137% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Cheaper Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the coverage data touched on above.

• You may be able to save approximately $130 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Teenagers are charged the highest prices, costing up to $372 a month if they have full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,320 more annually 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.