Mazda CX-5 Insurance Rates
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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 auto insurance rates for a Mazda CX-5 are $1,162 annually for full coverage insurance. Comprehensive insurance costs on average $214 each year, collision insurance costs $330, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,506 or more. Teen drivers pay the highest rates at up to $4,538 a year.
Average premium for full coverage: $1,162
Price estimates by individual coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and CX-5 models.
Price Range from Low to High
Using a middle-aged driver as an example, Mazda CX-5 insurance prices range from as cheap as $510 for just the minimum liability insurance to a high rate of $2,506 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using price averages.
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.
Additional Rate Analysis
The chart below illustrates average Mazda CX-5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $689
- Using higher $1,000 deductibles will save around $124 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,162
- Choosing low deductibles for physical damage coverage costs an additional $238 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,506
- The price with full coverage for a teenage driver may cost $4,538 or more
Insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $370 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Mazda CX-5 insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,570 on average in Michigan, New York, and Florida.
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% |
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 Buy the Best Cheap Mazda CX-5 Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a quick review of the information touched on in the above illustrations.
- It is possible to save as much as $130 per year just by quoting online in advance
- Teens pay the highest prices, as much as $378 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $350 each year
- Drivers with a DUI or reckless driving violation may pay on average $1,340 more each year for CX-5 insurance
- Consumers who require higher liability limits will pay about $510 annually to increase from a low limit to higher 250/500 limits
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 |
---|---|---|
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,400 |
$250 | $1,290 |
$500 | $1,162 |
$1,000 | $1,038 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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