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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs approximately $206, collision insurance costs $310, and liability is estimated at $464. A liability-only policy costs approximately $514 a year, and high-risk insurance costs around $2,456. Teens 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:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $678
• Choosing higher $1,000 deductibles can save $116 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,138
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,364
• Unlucky drivers with serious driving violations could pay around $2,456
• Policy cost to insure a teen driver with full coverage can cost $4,464 each year

View Chart as Image

Car insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your risk profile, and the model of your CX-5.

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher 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 excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 137% more than the average policy. View High Risk Driver Rates

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 $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

How to Shop for More Affordable Mazda CX-5 Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a summary of the information presented in the illustrations above.

• It is possible to save around $130 per year just by shopping early and online
• Teenage drivers pay the highest auto insurance rates, possibly costing $372 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,320 more per year for auto insurance
• Policyholders who purchase higher levels of liability will pay approximately $510 annually to raise limits from a 30/60 limit to a 250/500 level

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.