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 $1,336 a year with full coverage. Comprehensive costs approximately $274 a year, collision costs $474, and liability insurance is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing around $2,888. 16-year-old drivers cost the most to insure at $5,048 a year or more.

Average premium for full coverage: $1,336

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and CX-5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $775
• Choosing higher $1,000 deductibles can save $1,166 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,336
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,666
• High-risk insureds with multiple tickets or accidents could pay around $2,888 or more
• Policy cost that insures a teen driver can cost $5,048 each year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on the trim level of your CX-5, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or at least $1,800 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $500 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied.

How to Find the Right Mazda CX-5 Insurance

Finding cheaper rates on Mazda CX-5 insurance takes being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop every year by requesting rates from direct companies, and also from local insurance agencies.

Below you'll find a quick rundown of the coverage data raised in the charts and tables above.

• You may be able to save around $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Youthful drivers are expensive to insure, as much as $421 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,550 more per year than a low-risk driver

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?

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.