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.

Average insurance rates for a Mazda CX-5 are $1,138 a year for full coverage. Comprehensive costs an estimated $206 each year, collision costs $310, and liability costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing around $2,456. Teens receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates broken down by individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

These examples show why all drivers should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

More Rate Details

The chart below shows estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,138
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,364
• Higher-risk drivers with serious driving violations could pay up to $2,456 or more
• The cost for full coverage for a teen driver can cost as much as $4,464 a year

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the trim level of your CX-5, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $350 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 137% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

How to Find Cheap Mazda CX-5 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a brief summary of the concepts that were covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,320 more annually than a low-risk driver
• Youthful drivers have the highest car insurance rates, costing as high as $372 per month if full coverage is included
• Drivers can save approximately $130 per year simply by quoting online in advance
• Increasing deductibles can save around $350 each year
• Drivers can save approximately $130 per year simply by quoting online in advance

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.