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.

U.S. average insurance prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs an estimated $206 each year, collision costs $310, and liability costs around $464. Buying just liability costs as low as $514 a year, with insurance for high-risk drivers costing around $2,456. Teenage drivers pay the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save approximately $116 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,138
• Using low deductibles for physical damage coverage increases the price to $1,364
• High-risk insureds who are prone to accidents and violations could pay up to $2,456 or more
• The price to insure a 16-year-old driver can cost as much as $4,464 or more

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $350 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

How to Shop for the Cheapest Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 requires avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the concepts that were illustrated above.

• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,320 more annually to insure a Mazda CX-5
• Drivers under the age of 20 are expensive to insure, as much as $372 a month if full coverage is included
• It is possible to save approximately $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $350 each year
• It is possible to 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.