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 insurance rates for a Mazda CX-5 are $1,138 a year for full coverage insurance. Comprehensive costs approximately $206 each 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 around $2,456. Teens pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

These estimates include $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save $116 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,138
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,364
• Drivers with serious driving violations could pay around $2,456
• The price that insures a teen driver can cost $4,464 or more

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 age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection 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

How to Find Cheap Mazda CX-5 Insurance

Getting lower rates on Mazda CX-5 insurance requires not taking risks behind the wheel, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare rates once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief summary of the data that was touched on above.

• It is possible to save around $130 per year just by quoting online in advance
• Drivers who purchase higher liability limits will pay approximately $510 annually to increase from a low limit to the 250/500 level
• Teens pay the highest auto insurance prices, as much as $372 a month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,320 more per year for CX-5 insurance

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.