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 auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive costs an estimated $206, collision costs $310, and liability coverage is $464. A policy with just liability insurance costs around $514 a year, with coverage 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:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $678
• Raising to $1,000 deductibles will save approximately $116 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,138
• Using more expensive low deductibles will cost $1,364
• Unlucky drivers who are prone to accidents and violations could pay up to $2,456 or more
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,464

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you could be paying $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $350 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find prices as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

How to Buy the Best Cheap Mazda CX-5 Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the car insurance concepts covered above.

• Drivers with a DUI or reckless driving violation may pay on average $1,320 more annually to insure their CX-5
• Drivers can save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $350 each year
• Consumers who want more liability coverage will pay an extra $510 each year to raise from a low limit 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.