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 an estimated $206 a year, collision insurance costs $310, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,456 or more. Teen drivers cost the most to insure at up to $4,464 a year.

Average premium for full coverage: $1,138

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM 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 has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and risk profile, rather than using price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $1,022 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,138
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $226 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,456
• Policy cost for full coverage for a teenage driver can cost as much as $4,464 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $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 Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every 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 $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 137% more than average. View High Risk Driver Rates

How to Find Low Cost Mazda CX-5 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the information touched on in the above illustrations.

• You may be able to save approximately $130 per year just by quoting early and online
• Teenagers are the costliest to insure, with premiums being up to $372 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers who have several accidents or serious violations may pay on average $1,320 more annually for car insurance
• Consumers who want higher liability limits will pay about $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.