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 rates for a Mazda CX-5 are $1,138 a year for full coverage insurance. Comprehensive costs an estimated $206 each year, collision insurance costs $310, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,456. Teen drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and CX-5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area, rather than using price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $116 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,138
• Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,364
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,456
• Policy cost that insures a teenage driver can cost as much as $4,464 a year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 137% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Your home state makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda CX-5 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around at every other renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The next list is a brief summary of the concepts that were illustrated above.

• Drivers that tend to have accidents or serious violations may have to pay on average $1,320 more annually to buy Mazda CX-5 insurance
• Drivers age 20 and younger are charged the highest rates, possibly costing $372 each month if full coverage is included
• It is possible to save approximately $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• It is possible to save approximately $130 per year just by quoting online in advance

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.