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 for full coverage. Comprehensive costs around $206 each year, collision insurance costs $310, and liability coverage is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs around $2,456. Teens receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save about $116 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,138
• Selecting low deductibles will cost $1,364
• Unlucky drivers with serious driving violations could pay at least $2,456
• The cost with full coverage for a teenage driver can be $4,464

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

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

View Chart as Image

How to Buy the Best Cheap Mazda CX-5 Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick review of the ideas that were covered in the above illustrations.

• Teenagers are the costliest to insure, costing as high as $372 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay an average of $1,320 more every year for car insurance
• Increasing deductibles could save up to $350 each year
• Drivers can save up to $130 per year just 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.