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 rates for a Mazda CX-5 are $1,138 a year with full coverage. Comprehensive insurance costs approximately $206, collision costs $310, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,456 or more. Teen drivers pay the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $678
• Choosing higher $1,000 deductibles can save $116 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,138
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $226 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,456 or more
• The price for full coverage for a teen driver with full coverage can cost $4,464 each year

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $350 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 137% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different from one company to the next.

How to Find Affordable Mazda CX-5 Insurance

Getting lower rates on car insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $130 per year simply by shopping early and online
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,320 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $350 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $372 a month for 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.