Mazda CX-5 Insurance Rates
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UPDATED: Apr 9, 2020
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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 $1,352 a year including full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs $2,924 or more. Teens cost the most to insure at up to $5,080 a year.
Average premium for full coverage: $1,352
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CX-5 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mazda CX-5 insurance rates range from the low end price of $474 for just liability coverage to a high of $2,924 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down average Mazda CX-5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $781
- Drivers who choose higher $1,000 deductibles will pay $1,176 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,352
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $344 every year
- Higher-risk drivers with serious driving violations could pay around $2,924
- Policy cost that insures a teen driver can cost $5,080 a year
Auto insurance rates for a Mazda CX-5 also range considerably based on the trim level of your CX-5, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age
Your home state makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,930 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Mazda CX-5||$284||$494||$416||$1,352|
|2018 Mazda CX-5||$260||$458||$442||$1,318|
|2017 Mazda CX-5||$250||$424||$452||$1,284|
|2016 Mazda CX-5||$240||$400||$456||$1,254|
|2014 Mazda CX-5||$214||$330||$460||$1,162|
Rates are averaged for all Mazda CX-5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Mazda CX-5 Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The following list is a summary of the data that was touched on in the above illustrations.
- You may be able to save around $160 per year just by quoting early and online
- Policyholders who purchase an increased level of liability coverage will pay approximately $460 per year to go from a 30/60 limit to the 250/500 level
- Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $423 each month if the policy includes full coverage
- Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,570 more per year than a safer 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.
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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:
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?
|Edmunds True Cost to Own®||Year 1||Total|
|True Cost to Own®||$14,424||$44,010|
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.