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.

Estimated auto insurance rates for a Mazda CX-5 are $1,122 annually including full coverage. Comprehensive insurance costs an estimated $202, collision costs $288, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,418 or more. 16-year-old drivers pay the most at $4,420 a year or more.

Average premium for full coverage: $1,122

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The best full coverage rate is $671
• Choosing higher $1,000 deductibles can save approximately $110 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,122
• Buying more expensive low deductibles for comp and collision coverage costs an additional $214 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,418 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,420 each year

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Insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,300 to $1,900 additional annually, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $330 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,600 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.

How to Buy the Best Mazda CX-5 Insurance

Finding better rates on car insurance takes being a good driver, having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts covered above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,300 more annually than a safer driver
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles could save up to $325 each year
• Policyholders who want an increased level of liability coverage will pay around $520 per year to raise limits from 30/60 bodily injury limits 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.