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.

U.S. average insurance prices for a Mazda CX-5 are $1,122 every 12 months including full coverage. Comprehensive insurance costs approximately $202, collision costs $288, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,418 or more. 16-year-old drivers pay the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,122

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $671
• Raising to $1,000 deductibles will save $110 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,122
• Buying pricier low deductibles costs an extra $214 annually
• Drivers with multiple tickets or accidents could pay around $2,418 or more
• The price to insure a 16-year-old driver for full coverage can cost $4,420

View Chart as Image

Auto insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your CX-5.

Opting for high physical damage deductibles can reduce prices by up to $330 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. Mazda CX-5 insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices 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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.

How to Shop for Affordable Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 consists of having a decent driving record, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a brief review of the coverage data presented in the illustrations above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $325 each year
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $368 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,300 more per year than a driver with a clean driving record

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.