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 rates for a Mazda CX-5 are $1,138 a year including full coverage. Comprehensive insurance costs on average $206, collision costs $310, and liability coverage costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,456 or more. Teenage drivers cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,138
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $226 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,456 or more
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,464 a year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the model of your CX-5, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Your home state makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find the Best Mazda CX-5 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the car insurance concepts touched on in this article.

• Drivers who tend to receive serious violations may pay on average $1,320 more each year than a safer driver
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• Consumers who require an increased level of liability coverage will pay an extra $510 per year to go from a 30/60 limit to 250/500 limits

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.