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 insurance rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability coverage costs $464. A policy with only liability insurance costs as little as $514 a year, and a high-risk policy costs around $2,456. 16-year-old drivers pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why it is important to compare rates based on a specific location, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $1,022 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,138
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,364
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,456
• An auto insurance policy that insures a teenage driver may cost $4,464 a year

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on the trim level of your CX-5, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

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 $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $350 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda CX-5 Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having a positive credit history, refrain from filing small claims, and possibly raising deductibles. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the material that was raised in the charts and tables above.

• Consumers who require an increased level of liability coverage will pay around $510 per year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $372 per month if full coverage is purchased
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,320 more each year than a safer driver
• Increasing policy deductibles can save approximately $350 each year

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.