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.

Average auto insurance rates for a Mazda CX-5 are $1,122 annually for full coverage insurance. Comprehensive costs an estimated $202, collision insurance costs $288, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,418. 16-year-old drivers receive the highest rates at up to $4,420 a year.

Average premium for full coverage: $1,122

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The example below illustrates how your location can change insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $671
• Raising to $1,000 deductibles will save approximately $110 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,122
• Buying pricier low deductibles will cost $1,336
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,418
• The cost with full coverage for a teen driver for full coverage can cost as much as $4,420

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,300 to $1,900 extra per year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $330 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Mazda CX-5 Insurance

Saving money on Mazda CX-5 insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a summary of the material that was illustrated above.

• Drivers who want additional liability coverage will pay around $520 annually to raise from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $368 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,300 more annually than a driver with a clean driving record
• Increasing deductibles could save up to $325 each year

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.