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 with full coverage. Comprehensive costs an estimated $206, collision insurance costs $310, and liability is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers costs around $2,456. Teen drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

The chart below details average Mazda CX-5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $678
• Raising to $1,000 deductibles will save approximately $116 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,138
• Choosing pricier low deductibles will cost $1,364
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,456
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,464

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost as much as 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $350 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Mazda CX-5 Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the information covered above.

• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are charged the highest rates, as much as $372 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Higher risk drivers that have major violations or accidents pay on average $1,320 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay about $510 every year to raise 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.