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.
Average insurance rates for a Mazda CX-5 are $1,352 a year for full coverage. Comprehensive costs on average $284 a year, collision costs $494, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,924. Teen drivers receive the highest rates at $5,080 a year or more.
Average premium for full coverage: $1,352
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and CX-5 trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $2,924 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.
Insurance Rate Analysis
The chart below shows estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $781
- Drivers who choose higher $1,000 deductibles will pay around $1,176 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,352
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,696
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,924 or more
- The cost for full coverage for a teen driver may cost $5,080 a year
for a Mazda CX-5 can also vary considerably based on your driver profile, the trim level of your CX-5, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,930 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|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 Cheaper Mazda CX-5 Insurance
Saving money on Mazda CX-5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $525 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $423 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,570 more each year for 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.
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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.
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