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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs approximately $206 a year, collision insurance costs $310, and liability costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,456. Teenage drivers receive the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay $1,022 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,138
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,364
• Drivers who are prone to accidents and violations could pay around $2,456
• The cost to insure a 16-year-old driver can cost $4,464 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $350 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for More Affordable Mazda CX-5 Insurance

Saving money on insurance for a Mazda CX-5 not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a summary of the coverage data touched on above.

• It is possible to save around $130 per year just by quoting early and online
• Increasing deductibles could save as much as $350 each year
• Teen drivers have the highest car insurance rates, costing up to $372 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,320 more per year to insure their CX-5

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.