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 for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $310, and liability coverage is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers costs $2,456 or more. Teens 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:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save approximately $116 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,138
• Selecting pricier low deductibles will cost an additional $226 each year
• Unlucky drivers with serious driving violations could pay up to $2,456
• Policy cost that insures a teenage 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 of your CX-5, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $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 around 43% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Your home state also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will increase premiums. Switching 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 Cheaper Mazda CX-5 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The next list is a condensed summary of the ideas that were touched on above.

• Drivers age 20 and younger are charged the highest rates, possibly costing $372 each month if full coverage is included
• Drivers with multiple at-fault accidents may have to pay on average $1,320 more annually to buy Mazda CX-5 insurance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date

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.