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 prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs around $206 each year, collision costs $310, and liability 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 for individual coverage type:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $678
• Raising to $1,000 deductibles will save about $116 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,138
• Using low deductibles increases the price to $1,364
• Drivers who are prone to accidents and violations could pay at least $2,456 or more
• The cost to insure a 16-year-old driver can be $4,464

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $350 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,540 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

How to Shop for More Affordable Mazda CX-5 Insurance

Saving money on insurance for a Mazda CX-5 consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data that was raised in the charts and tables above.

• It is possible to save up to $130 per year simply by quoting online in advance
• Insureds who may need higher liability limits will pay an extra $510 annually to raise from a minimum limit to a 250/500 level
• Teens are the costliest to insure, costing up to $372 per month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more every year for 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.