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 $1,138 annually for full coverage. Comprehensive insurance costs on average $206, collision costs $310, and liability is $464. A policy with only liability insurance costs around $514 a year, with a high-risk policy costing $2,456 or more. 16-year-old drivers pay the most at $4,464 a year or more.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities.

The example below illustrates how your location can change car insurance rates.

These rate differences show why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $678
• Raising to $1,000 deductibles will save around $116 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,138
• Buying pricier low deductibles costs an additional $226 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,456 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $4,464

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.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest 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 $1,400 to $1,900 extra annually, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost from 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices 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

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.

How to Buy the Right Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 consists of being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct carriers, and also from local insurance agents.

The following list is a quick rundown of the material that was illustrated above.

• Insureds who require an increased level of liability coverage will pay around $510 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $372 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,320 more each year than a safer driver
• Increasing policy 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.