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 for full coverage. Comprehensive insurance costs on average $202 a year, collision insurance costs $288, and liability insurance is estimated at $474. A policy with only liability insurance costs approximately $522 a year, and a high-risk policy costs $2,418 or more. Teens pay the most at up to $4,420 a year.

Average premium for full coverage: $1,122

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows average Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $671
• Choosing higher $1,000 deductibles can save around $1,012 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,122
• Selecting low $100 deductibles for comp and collision coverage costs an additional $214 a year
• High-risk insureds with serious driving violations could pay upwards of $2,418
• An auto insurance policy with full coverage for a teen driver may cost $4,420 each year

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,600 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Mazda CX-5 Insurance

Finding better rates on Mazda CX-5 insurance takes having a decent driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Invest time comparing rates at every policy renewal by requesting rates from direct carriers, and also from local insurance agents.

The following items are a brief review of the data covered in the charts and tables above.

• Drivers who require additional liability coverage will pay approximately $520 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save as much as $130 per year just by quoting early and online
• Increasing policy deductibles could save up to $325 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $368 per month if comprehensive and collision insurance is included

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.