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 insurance rates for a Mazda CX-5 are $1,122 a year for full coverage insurance. Comprehensive insurance costs approximately $202, collision costs $288, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,418 or more. Teenage drivers pay the most at $4,420 a year or more.

Average premium for full coverage: $1,122

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $671
• Using higher $1,000 deductibles will save $110 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,122
• Using pricier low deductibles for physical damage coverage will cost an additional $214 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,418 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $4,420 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 age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 additional annually, depending on your age. Mazda CX-5 insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $330 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

How to Find Affordable Mazda CX-5 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

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

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $325 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $368 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions could be charged and average of $1,300 more per year to insure a Mazda 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.