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.

Average insurance rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive costs around $206 a year, collision costs $310, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing around $2,456. Teens receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates for individual coverage type:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples highlight why it is important to compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save about $1,022 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,138
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,364
• Higher-risk drivers with serious driving violations could pay at least $2,456 or more
• The cost for full coverage for a teenage driver can be $4,464 or more

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the model of your CX-5, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $4,400 a year. View Rates by Age

Where you live has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 137% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

How to Find Affordable Mazda CX-5 Insurance

Saving money on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $130 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions pay on average $1,320 more every year to buy Mazda CX-5 insurance
• Increasing deductibles can save around $350 each year
• Drivers age 20 and younger are the costliest to insure, as much as $372 per month if full coverage is included

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.