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 for full coverage insurance. Comprehensive costs on average $206, collision insurance costs $310, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs around $2,456. Teens pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different CX-5 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,138
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,364
• Higher-risk drivers with serious driving violations could pay upwards of $2,456
• The price for full coverage for a teen driver with full coverage may cost $4,464 a year

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,540 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $350 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 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

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 137% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Mazda CX-5 Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a condensed summary of the concepts that were presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents pay an average of $1,320 more each year to buy Mazda CX-5 insurance
• Drivers age 20 and younger are expensive to insure, as much as $372 a month if full coverage is included
• It is possible to save as much as $130 per year just by shopping early and online
• Increasing physical damage deductibles can save around $350 each year
• It is possible to save as much as $130 per year just by shopping 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.