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 insurance rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive insurance costs around $206, collision insurance costs $310, and liability costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs $2,456 or more. Teen drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $678
• Drivers who choose higher $1,000 deductibles will pay about $116 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,138
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $226 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,456
• Policy cost that insures a teen driver with full coverage can be $4,464 a year

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 age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 137% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,400 a year. View Rates by Age

Your home state makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $350 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Mazda CX-5 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the concepts that were covered in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,320 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $372 each month if full coverage is included
• You may be able to save up to $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• You may be able to save up to $130 per year just by shopping 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.