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.

Estimated auto insurance rates for a Mazda CX-5 are $1,122 annually for full coverage. Comprehensive insurance costs around $202, collision costs $288, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,418 or more. Teen drivers pay the most at $4,420 a year or more.

Average premium for full coverage: $1,122

Premium estimates for type of coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Details

The chart below shows estimated Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $671
• Raising to $1,000 deductibles will save about $110 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,122
• Choosing pricier low deductibles costs an additional $214 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,418 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can be $4,420

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your driver profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,300 to $1,900 extra annually, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $330 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find prices as low as $740 a year in states like Idaho, Maine, and Iowa, or as much as $1,600 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.

How to Buy Affordable Mazda CX-5 Insurance

Finding better rates on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a brief review of the car insurance concepts touched on in this article.

• Drivers with DUI or reckless driving convictions pay an average of $1,300 more every year to buy Mazda CX-5 insurance
• Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $325 each year
• Consumers who may need increased levels of liability coverage will pay about $520 each year to raise from 30/60 bodily injury limits to higher 250/500 limits

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.