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 $1,138 every 12 months including full coverage. Comprehensive insurance costs on average $206, collision insurance costs $310, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,456 or more. 16-year-old drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical 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

Your location can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.

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

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

Rates by State, City, and Model

The chart below breaks down average Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay around $116 every year
• The average price for the average middle-age driver with $500 deductibles is $1,138
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $226 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,456
• The price to insure a teen driver for full coverage may cost $4,464 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $350 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards 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 at a minimum $1,400 to $1,900 extra each year, depending on your age. Mazda CX-5 insurance for high-risk drivers can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheap Mazda CX-5 Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the information covered in the above illustrations.

• You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, possibly costing $372 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $350 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,320 more each year than a low-risk driver
• Policyholders who require more liability protection will pay around $510 per year to go from a low limit to a 250/500 level

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.