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 insurance rates for a Mazda CX-5 are $1,122 a year with full coverage. Comprehensive costs around $202 each year, collision insurance costs $288, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,418. Teen drivers pay the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $671
• Choosing higher $1,000 deductibles can save about $110 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,122
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,336
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,418
• The price for full coverage for a 16-year-old driver can be $4,420 each year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,520 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $330 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than average. View High Risk Driver Rates

How to Find Cheaper Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around once a year by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save up to $130 per year just by quoting online in advance
• Insureds who may need more liability protection will pay about $520 every year to raise limits from a low limit to 250/500 limits
• Youthful drivers pay higher prices, costing up to $368 a month for full coverage
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,300 more every year than a low-risk driver

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.