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 rates for a Mazda CX-5 are $1,122 a year for full coverage insurance. Comprehensive costs around $202 a year, collision insurance costs $288, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,418. Teen drivers cost the most to insure at up to $4,420 a year.

Average premium for full coverage: $1,122

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code, rather than relying on price averages.

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

Additional Rate Analysis

The chart below illustrates average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $671
• Drivers who choose higher $1,000 deductibles will pay about $1,012 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,122
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,336
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,418
• Policy cost that insures a teen driver can be $4,420 a year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the trim level of your CX-5, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

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

Your home state makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,520 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $330 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Shop around every year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the coverage data presented in the illustrations above.

• It is possible to save up to $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers under the age of 20 pay higher rates, possibly costing $368 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,300 more every year to insure a Mazda CX-5

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.