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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $310, and liability insurance costs around $464. Liability-only insurance costs as low as $514 a year, and high-risk driver insurance costs $2,456 or more. Teenage drivers 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save approximately $1,022 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,138
• Using low $100 deductibles for physical damage coverage costs an extra $226 a year
• Drivers who are prone to accidents and violations could pay up to $2,456
• Policy cost to insure a teen driver can cost as much as $4,464 or more

View Chart as Image

Auto insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $350 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for More Affordable Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct carriers, and also from several local insurance agents.

The following items are a summary of the coverage data touched on in the above illustrations.

• Drivers can save approximately $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $372 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations pay on average $1,320 more annually than a driver with a clean driving record

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.