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.

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

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.

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

View Chart as Image

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.

View Chart as Image

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.

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?

Edmund's 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.