Mazda CX-5 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Compare 2013 Mazda CX-5 Car Insurance Quotes in 2025

Searching for cheaper insurance rates for your Mazda CX-5? Car owners not familiar with shopping for insurance coverage online could find locating the cheapest insurance coverage is harder than they anticipated. It's a good habit to check insurance prices as often as possible because insurance rates tend to go up over time. Just because you had the best premium rates on CX-5 coverage a few years a...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive insurance costs approximately $206 each year, collision insurance costs $310, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers 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 by type of insurance:

Comprehensive $206
Collision $310
Liability $464

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CX-5 models.

Price Range Variability

Using a middle-aged driver as an example, Mazda CX-5 insurance rates range from the low end price of $514 for liability-only coverage to a high rate of $2,456 for a driver who has had serious violations or accidents.

Liability Only $514
Full Coverage $1,138
High Risk $2,456

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $854
Small Cities $1,195
Large Cities $1,536

The examples above highlight why all drivers should get quotes using their specific location, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below breaks down average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $678
  • Choosing higher $1,000 deductibles can save $116 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,138
  • Using low deductibles for comp and collision coverage will cost an additional $226 every year
  • Unlucky drivers who are prone to accidents and violations could pay around $2,456
  • Policy cost that insures a teen driver can cost $4,464 each year

View Chart as Image

Mazda CX-5 insurance cost comparison chart
Column chart showing Mazda CX-5 insurance prices range from $678 to $4,464 for full coverage

Insurance rates for a Mazda CX-5 also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.

Mazda CX-5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,030 -$108 -9.5%
Alaska $872 -$266 -23.4%
Arizona $946 -$192 -16.9%
Arkansas $1,138 -$0 0.0%
California $1,298 $160 14.1%
Colorado $1,090 -$48 -4.2%
Connecticut $1,172 $34 3.0%
Delaware $1,290 $152 13.4%
Florida $1,424 $286 25.1%
Georgia $1,052 -$86 -7.6%
Hawaii $818 -$320 -28.1%
Idaho $770 -$368 -32.3%
Illinois $848 -$290 -25.5%
Indiana $858 -$280 -24.6%
Iowa $768 -$370 -32.5%
Kansas $1,082 -$56 -4.9%
Kentucky $1,554 $416 36.6%
Louisiana $1,686 $548 48.2%
Maine $702 -$436 -38.3%
Maryland $940 -$198 -17.4%
Massachusetts $914 -$224 -19.7%
Michigan $1,978 $840 73.8%
Minnesota $952 -$186 -16.3%
Mississippi $1,364 $226 19.9%
Missouri $1,010 -$128 -11.2%
Montana $1,222 $84 7.4%
Nebraska $900 -$238 -20.9%
Nevada $1,364 $226 19.9%
New Hampshire $820 -$318 -27.9%
New Jersey $1,274 $136 12.0%
New Mexico $1,010 -$128 -11.2%
New York $1,200 $62 5.4%
North Carolina $658 -$480 -42.2%
North Dakota $934 -$204 -17.9%
Ohio $786 -$352 -30.9%
Oklahoma $1,170 $32 2.8%
Oregon $1,044 -$94 -8.3%
Pennsylvania $1,086 -$52 -4.6%
Rhode Island $1,520 $382 33.6%
South Carolina $1,032 -$106 -9.3%
South Dakota $960 -$178 -15.6%
Tennessee $998 -$140 -12.3%
Texas $1,374 $236 20.7%
Utah $844 -$294 -25.8%
Vermont $782 -$356 -31.3%
Virginia $682 -$456 -40.1%
Washington $880 -$258 -22.7%
West Virginia $1,044 -$94 -8.3%
Wisconsin $790 -$348 -30.6%
Wyoming $1,016 -$122 -10.7%

View Chart as Image

Mazda CX-5 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $350 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Mazda CX-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda CX-5 $306 $512 $390 $1,366
2023 Mazda CX-5 $294 $506 $398 $1,356
2022 Mazda CX-5 $284 $494 $416 $1,352
2021 Mazda CX-5 $274 $474 $430 $1,336
2020 Mazda CX-5 $260 $458 $442 $1,318
2019 Mazda CX-5 $250 $424 $452 $1,284
2018 Mazda CX-5 $240 $400 $456 $1,254
2017 Mazda CX-5 $230 $358 $460 $1,206
2016 Mazda CX-5 $214 $330 $460 $1,162
2015 Mazda CX-5 $206 $310 $464 $1,138
2014 Mazda CX-5 $202 $288 $474 $1,122
2013 Mazda CX-5 $186 $268 $474 $1,086

Rates are averaged for all Mazda CX-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Mazda CX-5 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every other policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a quick review of the ideas that were touched on in the above illustrations.

  • Teens are expensive to insure, with premiums being up to $372 each month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,320 more per year for CX-5 insurance
  • Increasing comprehensive and collision deductibles can save approximately $350 each year
  • You may be able to save around $130 per year just by quoting online in advance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

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:

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®
Edmunds True Cost to Own®Year 1Total
Financing$1,633$4,747
Depreciation$8,244$18,141
Fuel$1,350$7,168
True Cost to Own®$14,424$44,010

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.

Rates by Driver Age

Mazda CX-5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,464
20 $2,610
30 $1,168
40 $1,138
50 $1,044
60 $1,022

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,364
$250 $1,260
$500 $1,138
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,138
50/100 $1,231
100/300 $1,347
250/500 $1,648
100 CSL $1,277
300 CSL $1,532
500 CSL $1,718

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,318
20 $4,160
30 $2,486
40 $2,456
50 $2,346
60 $2,324

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $52
Online Quote $78
Total Discounts $460
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles