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.

Average auto insurance rates for a Mazda CX-5 are $1,138 annually including full coverage. Comprehensive costs on average $206, collision costs $310, and liability costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing around $2,456. Teenage drivers receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save around $116 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,138
• Using pricier low deductibles for physical damage coverage will cost $1,364
• Drivers who are prone to accidents and violations could pay upwards of $2,456 or more
• The cost with full coverage for a teen driver for full coverage may cost $4,464 or more

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Mazda CX-5 insurance for high-risk drivers can be as much as 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $350 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,630 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

How to Buy the Right Mazda CX-5 Insurance

Saving money on car insurance requires having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a quick rundown of the car insurance concepts touched on in this article.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,320 more each year to buy Mazda CX-5 insurance
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $350 each year
• Policyholders who require increased levels of liability coverage will pay an extra $510 per year to increase from a minimum 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.