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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs an estimated $206 a year, collision costs $310, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing around $2,456. Teens cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Mazda CX-5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save approximately $1,022 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,138
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,364
• Drivers with serious driving violations could pay up to $2,456 or more
• Policy cost to insure a teen driver can cost as much as $4,464 or more

View Chart as Image

Car insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied.

How to Shop for Low Cost Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance requires being a good driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a review of the material that was illustrated above.

• Drivers who want an increased level of liability coverage will pay approximately $510 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $372 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,320 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $350 each year

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.