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 auto insurance rates for a Mazda CX-5 are $1,122 annually with full coverage. Comprehensive insurance costs around $202, collision costs $288, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,418 or more. Teen drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,122

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $671
• Drivers who choose higher $1,000 deductibles will pay about $110 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,122
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $214 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,418 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $4,420 a year

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,300 to $1,900 extra every year, depending on your age. Mazda CX-5 insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $330 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,520 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied between companies.

How to Buy Cheap Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the information presented in the illustrations above.

• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, as much as $368 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,300 more every year to insure their CX-5
• Insureds who may need more liability coverage will pay about $520 every year to go from a 30/60 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.