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 prices for a Mazda CX-5 are $1,122 every 12 months including full coverage. Comprehensive insurance costs on average $202, collision insurance costs $288, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,418 or more. 16-year-old drivers receive the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $671
• Drivers who choose higher $1,000 deductibles will pay around $110 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,122
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $214 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,418
• The cost to insure a teen driver with full coverage may cost $4,420 a year

View Chart as Image

Insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your CX-5.

Opting for high physical damage deductibles could save up to $330 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,600 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Best Mazda CX-5 Insurance

Saving money on car insurance not only requires being a good driver, but also having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the coverage data presented in the illustrations above.

• You may be able to save as much as $130 per year just by shopping early and online
• Increasing deductibles could save as much as $325 each year
• Drivers age 16 to 20 pay the highest rates, as much as $368 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $1,300 more each year than a safer driver

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.