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 with full coverage. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,456. Teenage drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why it is important to get quotes based on a 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 Analysis

The chart below details average Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save around $1,022 annually
• The average price for the average middle-age driver with $500 deductibles is $1,138
• Using low $100 deductibles for comp and collision coverage increases the price to $1,364
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,456
• The price to insure a 16-year-old driver may cost $4,464 each year

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your CX-5.

Using high physical damage deductibles can save as much as $350 annually, while buying higher liability limits will cost you more. Moving 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

Older drivers with no driving violations and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 137% more than a normal policy. View High Risk Driver Rates

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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,540 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Right Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, costing up to $372 a month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,320 more each year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $350 each year
• You may be able to save as much as $130 per year just by quoting early and online

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.