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 insurance prices for a Mazda CX-5 are $1,138 every 12 months including full coverage. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability coverage is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs around $2,456. 16-year-old drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own driving history, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $678
• Raising to $1,000 deductibles will save around $1,022 every year
• The average price for a good driver age 40 with $500 deductibles is $1,138
• Buying low $100 deductibles increases the price to $1,364
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,456
• Policy cost to insure a teenage driver may cost $4,464

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your CX-5.

Opting for high physical damage deductibles can reduce rates by up to $350 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 137% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates 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

How to Shop for the Best Mazda CX-5 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the information touched on above.

• You may be able to save as much as $130 per year just by quoting early and online
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $372 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers who tend to receive serious violations may pay on average $1,320 more each year to buy Mazda CX-5 insurance
• Consumers who require increased levels of liability coverage will pay around $510 per year to raise from a 30/60 limit to a 250/500 level

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.