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 with full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $310, and liability costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs $2,456 or more. 16-year-old drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below details average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay $116 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,138
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $226 annually
• Drivers with multiple tickets or accidents could pay around $2,456
• The cost with full coverage for a 16-year-old driver with full coverage can cost $4,464 a year

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 driving record, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $350 annually, while increasing your policy's liability limits will push rates upward. Moving 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 makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or at least $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Low Cost Mazda CX-5 Insurance

Saving money on insurance for a Mazda CX-5 not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a review of the data that was touched on in this article.

• You may be able to save around $130 per year just by shopping early and online
• Insureds who purchase increased levels of liability coverage will pay around $510 every year to go from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance rates, with premiums as much as $372 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,320 more per year to buy Mazda CX-5 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.