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 insurance rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive insurance costs on average $206, collision costs $310, and liability is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing $2,456 or more. Teenage drivers receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Raising to $1,000 deductibles will save around $116 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,138
• Using pricier low deductibles will cost an extra $226 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,456 or more
• The cost for full coverage for a 16-year-old driver for full coverage may cost $4,464

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the model of your CX-5, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Where you live also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

How to Find Cheaper Mazda CX-5 Insurance

Saving money on insurance for a Mazda CX-5 consists of having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a condensed summary of the data covered above.

• Insureds who require additional liability coverage will pay an extra $510 per year to raise from a minimum limit to 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $350 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $372 per month if full coverage 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.