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, collision costs $330, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,506 or more. Teens pay the highest rates at $4,538 a year or more.

Average premium for full coverage: $1,162

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 split 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

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Mazda CX-5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $689
• Raising to $1,000 deductibles will save around $124 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,162
• Selecting pricier low deductibles costs an additional $238 annually
• Drivers with serious driving violations could pay upwards of $2,506 or more
• The price with full coverage for a 16-year-old driver for full coverage may cost $4,538

View Chart as Image

Car 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.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged 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. Mazda CX-5 insurance for high-risk drivers is expensive and can cost from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 annually, whereas buying more liability protection 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 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Mazda CX-5 insurance prices. A middle-age driver might find prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.

How to Buy Cheap Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 consists of being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,340 more each year than a safer driver
• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $350 each year
• Insureds who require an increased level of liability coverage will pay approximately $510 annually to raise 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.