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.

Average insurance rates for a Mazda CX-5 are $1,138 a year for full coverage. Comprehensive costs approximately $206, collision costs $310, and liability coverage is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing around $2,456. Teenage drivers receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below shows estimated Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $678
• Raising to $1,000 deductibles will save $116 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,138
• Using more expensive low deductibles will increase the cost to $1,364
• Unlucky drivers who are prone to accidents and violations could pay around $2,456 or more
• The cost for full coverage for a teenage driver with full coverage can cost $4,464

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the trim level of your CX-5, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

Where you live also has a big influence on Mazda CX-5 insurance rates. A middle-age driver might find rates as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

How to Find Affordable Mazda CX-5 Insurance

Saving money on auto insurance consists of having a good driving record, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a brief review of the data covered in the above illustrations.

• Consumers who purchase increased levels of liability coverage will pay an extra $510 each year to raise from a minimum limit to 250/500 limits
• Drivers can save around $130 per year simply by shopping early and online
• Increasing deductibles can save around $350 each year
• Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $372 per 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.