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 $1,122 annually with full coverage. Comprehensive costs approximately $202 a year, collision costs $288, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,418. Teens pay the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and 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 the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $671
• Raising to $1,000 deductibles will save $1,012 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,122
• Selecting low $100 deductibles will cost $1,336
• Unlucky drivers with serious driving violations could pay around $2,418 or more
• The price with full coverage for a teenage driver can cost $4,420

View Chart as Image

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

Older drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each 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 $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,520 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and prices may be quite different between companies.

How to Buy Affordable Mazda CX-5 Insurance

Getting lower rates on auto insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• Drivers with DUI or reckless driving convictions may pay on average $1,300 more per year to buy Mazda CX-5 insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $368 a month if they have full coverage
• You may be able to save around $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $325 each year
• You may be able to save around $130 per year simply by quoting early and online

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.