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 rates for a Mazda CX-5 are $1,122 a year with full coverage. Comprehensive insurance costs around $202 each year, collision insurance costs $288, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,418 or more. Teens pay the most at up to $4,420 a year.

Average premium for full coverage: $1,122

Premium estimates for type of coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and CX-5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below details average Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $671
• Raising to $1,000 deductibles will save about $110 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,122
• Selecting low deductibles will cost an additional $214 annually
• Drivers with serious driving violations could pay at least $2,418
• An auto insurance policy that insures a 16-year-old driver can be $4,420

View Chart as Image

Auto insurance prices for a Mazda CX-5 also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,300 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,400 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Mazda CX-5 Insurance

Finding better rates on insurance for a Mazda CX-5 consists of having a good driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a quick rundown of the coverage data touched on above.

• You may be able to save up to $130 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $325 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $368 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,300 more every year to buy Mazda CX-5 insurance

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.