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 auto insurance rates for a Mazda CX-5 are $1,138 annually for full coverage. Comprehensive insurance costs on average $206 a year, collision insurance costs $310, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,456 or more. 16-year-old drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have fewer accident claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $1,022 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,138
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $226 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,456
• The price with full coverage for a teen driver may cost $4,464 a year

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $350 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,630 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheaper Mazda CX-5 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a condensed summary of the material that was illustrated above.

• Policyholders who require higher levels of liability will pay around $510 each year to go from a low limit to higher 250/500 limits
• Teenage drivers are expensive to insure, with premiums as much as $372 a month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,320 more each year for auto insurance
• Increasing physical damage deductibles could save up to $350 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.