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 $1,122 every 12 months including full coverage. Comprehensive costs an estimated $202 a year, collision costs $288, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,418. 16-year-old drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,122

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $671
• Drivers who choose higher $1,000 deductibles will pay approximately $1,012 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,122
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,336
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,418 or more
• Policy cost to insure a teen driver can cost as much as $4,420 a year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could save up to $330 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay 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 likely paying $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,600 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and rates will be varied.

How to Shop for the Best Mazda CX-5 Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the data covered in the charts and tables above.

• Policyholders who want more liability protection will pay around $520 per year to go from a 30/60 limit to a 250/500 level
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Youthful drivers are expensive to insure, with premiums being up to $368 each month if full coverage is included

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.