Mazda CX-5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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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.

U.S. average insurance rates for a Mazda CX-5 are $1,162 a year for full coverage. Comprehensive insurance costs an estimated $214 each year, collision insurance costs $330, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,506 or more. Teenage drivers pay the highest rates at up to $4,538 a year.

Average premium for full coverage: $1,162

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $330
Liability $460

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and CX-5 models.

Price Range from Low to High

For the average 40-year-old driver, Mazda CX-5 insurance prices range from the low end price of $510 for basic liability insurance to a high rate of $2,506 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,162
High Risk $2,506

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $872
Small Cities $1,220
Large Cities $1,569

The ranges above show why all drivers should compare rates for a targeted area, instead of using average rates.

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.

Rate Comparisons

The chart below shows average Mazda CX-5 insurance rates for other coverage scenarios.

  • The best discount rate is $689
  • Drivers who choose higher $1,000 deductibles will pay approximately $124 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,162
  • Using low deductibles for comprehensive and collision insurance will cost an additional $238 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,506
  • The price that insures a teen driver can cost as much as $4,538 a year

View Chart as Image

Mazda CX-5 insurance cost comparison chart
Column chart showing Mazda CX-5 insurance prices range from $689 to $4,538 for full coverage

Insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

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 $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,660 on average in New York, Louisiana, and Michigan.

Mazda CX-5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,052 -$110 -9.5%
Alaska $890 -$272 -23.4%
Arizona $966 -$196 -16.9%
Arkansas $1,162 -$0 0.0%
California $1,324 $162 13.9%
Colorado $1,110 -$52 -4.5%
Connecticut $1,194 $32 2.8%
Delaware $1,314 $152 13.1%
Florida $1,454 $292 25.1%
Georgia $1,072 -$90 -7.7%
Hawaii $834 -$328 -28.2%
Idaho $788 -$374 -32.2%
Illinois $866 -$296 -25.5%
Indiana $874 -$288 -24.8%
Iowa $782 -$380 -32.7%
Kansas $1,106 -$56 -4.8%
Kentucky $1,586 $424 36.5%
Louisiana $1,720 $558 48.0%
Maine $718 -$444 -38.2%
Maryland $958 -$204 -17.6%
Massachusetts $932 -$230 -19.8%
Michigan $2,018 $856 73.7%
Minnesota $974 -$188 -16.2%
Mississippi $1,390 $228 19.6%
Missouri $1,030 -$132 -11.4%
Montana $1,248 $86 7.4%
Nebraska $916 -$246 -21.2%
Nevada $1,396 $234 20.1%
New Hampshire $838 -$324 -27.9%
New Jersey $1,300 $138 11.9%
New Mexico $1,030 -$132 -11.4%
New York $1,226 $64 5.5%
North Carolina $670 -$492 -42.3%
North Dakota $952 -$210 -18.1%
Ohio $804 -$358 -30.8%
Oklahoma $1,194 $32 2.8%
Oregon $1,064 -$98 -8.4%
Pennsylvania $1,108 -$54 -4.6%
Rhode Island $1,552 $390 33.6%
South Carolina $1,052 -$110 -9.5%
South Dakota $980 -$182 -15.7%
Tennessee $1,018 -$144 -12.4%
Texas $1,402 $240 20.7%
Utah $860 -$302 -26.0%
Vermont $796 -$366 -31.5%
Virginia $696 -$466 -40.1%
Washington $900 -$262 -22.5%
West Virginia $1,064 -$98 -8.4%
Wisconsin $804 -$358 -30.8%
Wyoming $1,036 -$126 -10.8%

View Chart as Image

Mazda CX-5 insurance rates by U.S. city

Using high physical damage deductibles could save up to $370 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Mazda CX-5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda CX-5 $322 $532 $372 $1,384
2023 Mazda CX-5 $306 $512 $390 $1,366
2022 Mazda CX-5 $294 $506 $398 $1,356
2021 Mazda CX-5 $284 $494 $416 $1,352
2020 Mazda CX-5 $274 $474 $430 $1,336
2019 Mazda CX-5 $260 $458 $442 $1,318
2018 Mazda CX-5 $250 $424 $452 $1,284
2017 Mazda CX-5 $240 $400 $456 $1,254
2016 Mazda CX-5 $230 $358 $460 $1,206
2015 Mazda CX-5 $214 $330 $460 $1,162
2014 Mazda CX-5 $206 $310 $464 $1,138
2013 Mazda CX-5 $202 $288 $474 $1,122

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

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a summary of the concepts that were touched on in this article.

  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,340 more annually for CX-5 insurance
  • Teens are expensive to insure, with premiums as much as $378 a month if comprehensive and collision insurance is included
  • Drivers can save approximately $130 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $350 each year
  • Drivers can save approximately $130 per year just by quoting online in advance

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?
Edmund's Mazda CX-5 True Cost to Own®
Edmunds True Cost to Own®Year 1Total
Financing$1,633$4,747
Depreciation$8,244$18,141
Fuel$1,350$7,168
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.

Rates by Driver Age

Mazda CX-5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,538
20 $2,666
30 $1,194
40 $1,162
50 $1,064
60 $1,042

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,290
$500 $1,162
$1,000 $1,038

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,162
50/100 $1,254
100/300 $1,369
250/500 $1,668
100 CSL $1,300
300 CSL $1,553
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,424
20 $4,248
30 $2,544
40 $2,506
50 $2,396
60 $2,374

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.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $77
5-yr Claim Free $74
Paid in Full/EFT $47
Advance Quote $54
Online Quote $80
Total Discounts $473
Rate after discounts $689

Discounts are estimated and may not be available from every company or in every state.

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