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 insurance prices for a Mazda CX-5 are $1,138 every 12 months for full coverage insurance. Comprehensive costs approximately $206, collision insurance costs $310, and liability coverage is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,456. Teens pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $678
• Choosing higher $1,000 deductibles can save $116 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,138
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,364
• Drivers with serious driving violations could pay around $2,456
• The price to insure a teenage driver for full coverage can cost $4,464 each year

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your CX-5.

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 additional each year, depending on your age. Mazda CX-5 insurance for high-risk drivers ranges around 43% to 137% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Mazda CX-5 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Mazda CX-5 Insurance

Getting lower rates on auto insurance takes having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the concepts that were presented in the illustrations above.

• Drivers who tend to receive serious violations may have to pay on average $1,320 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, as much as $372 a month if full coverage is included
• It is possible to save around $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $350 each year
• It is possible to save around $130 per year just by quoting online well ahead of the renewal date

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.