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.

The average auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive insurance costs on average $206 each year, collision costs $310, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, with high-risk driver insurance costing $2,456 or more. Teenage drivers cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below shows estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,138
• Using low deductibles for comprehensive and collision insurance costs an additional $226 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,456 or more
• Policy cost with full coverage for a teenage driver may cost $4,464 a year

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $350 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

How to Buy the Best Mazda CX-5 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief recap of the information touched on in this article.

• Drivers can save as much as $130 per year simply by quoting online in advance
• Drivers under the age of 20 are charged the highest rates, costing up to $372 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers who tend to receive serious violations may be required to pay an average of $1,320 more each year to insure a Mazda CX-5
• Consumers who require increased liability limits will pay an extra $510 each year to go from a 30/60 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.