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 including full coverage. Comprehensive costs approximately $206, collision insurance costs $310, and liability costs around $464. Liability-only insurance costs as low as $514 a year, and high-risk driver insurance costs around $2,456. Teens pay the most at up to $4,464 a year.

Average premium for full coverage: $1,138

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save $116 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,138
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,364
• High-risk insureds with serious driving violations could pay around $2,456
• An auto insurance policy to insure a 16-year-old driver with full coverage can cost $4,464 or more

View Chart as Image

Insurance prices for a Mazda CX-5 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your CX-5.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $350 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay 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 are likely paying anywhere from $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can be from 43% to 137% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for More Affordable Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a summary of the ideas that were touched on in this article.

• Teenagers are the costliest to insure, with the cost nearing $372 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,320 more per year for car insurance
• Increasing policy deductibles could save as much as $350 each year
• You may be able to save around $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.