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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage. Comprehensive insurance costs an estimated $206, collision costs $310, and liability costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $2,456 or more. 16-year-old drivers pay the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have more infrequent accident claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $678
• Using higher $1,000 deductibles will save approximately $116 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,138
• Buying more expensive low deductibles for physical damage coverage costs an extra $226 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,456 or more
• The price to insure a 16-year-old driver with full coverage can cost as much as $4,464 or more

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $350 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability 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

An older driver with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can be from 43% to 137% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.

How to Shop for More Affordable Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a summary of the data covered above.

• Insureds who want increased liability limits will pay around $510 each year to increase from a low limit to a 250/500 level
• Drivers can save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $372 a month if the policy includes full coverage

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.