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.

Estimated auto insurance rates for a Mazda CX-5 are $1,138 annually with full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $310, and liability costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing $2,456 or more. Teens pay the most at $4,464 a year or more.

Average premium for full coverage: $1,138

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

The chart below details estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save approximately $116 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,138
• Selecting low deductibles for physical damage coverage costs an additional $226 every year
• Drivers with serious driving violations could pay up to $2,456 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,464 or more

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on the model of your CX-5, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $350 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different between companies.

How to Buy Affordable Mazda CX-5 Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

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

• Policyholders who want increased liability limits will pay approximately $510 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $350 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $372 per month including comprehensive and collision 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.