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.

Estimated insurance prices for a Mazda CX-5 are $1,138 every 12 months for full coverage. Comprehensive costs approximately $206, collision costs $310, and liability is estimated at $464. A policy with only liability insurance costs approximately $514 a year, with a high-risk policy costing around $2,456. Teen drivers pay the most at $4,464 a year or more.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below shows 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 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,138
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,364
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,456 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost $4,464 each year

View Chart as Image

Car insurance prices for a Mazda CX-5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your CX-5.

Choosing high deductibles can save as much as $350 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Mazda CX-5 insurance for high-risk drivers ranges from 43% to 137% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different.

How to Shop for More Affordable Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a summary of the data raised in the charts and tables above.

• Insureds who purchase higher liability limits will pay about $510 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $350 each year
• Teenagers pay the highest auto insurance prices, as much as $372 per month if the policy includes 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.