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 auto insurance rates for a Mazda CX-5 are $1,138 annually including full coverage. Comprehensive insurance costs an estimated $206, collision insurance costs $310, and liability insurance costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,456 or more. Teenage drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Mazda CX-5 insurance rates for other coverage scenarios.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $116 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,138
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $226 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,456
• The cost with full coverage for a teen driver for full coverage can cost as much as $4,464 a year

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,400 to $1,900 extra per year, depending on your age. Mazda CX-5 insurance for high-risk drivers can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $350 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Right Mazda CX-5 Insurance

Saving money on Mazda CX-5 insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a quick rundown of the data raised in the charts and tables above.

• Drivers who want more liability protection will pay an extra $510 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $350 each year
• Youthful drivers are charged the highest rates, as much as $372 per month including comprehensive and collision insurance

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.