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 with full coverage. Comprehensive costs around $214 each year, collision costs $330, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,506. Teens pay the highest rates at $4,538 a year or more.

Average premium for full coverage: $1,162

Price estimates for individual coverage:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and CX-5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code 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 details estimated Mazda CX-5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $689
• Choosing higher $1,000 deductibles can save about $124 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,162
• Selecting low deductibles for comp and collision coverage will cost $1,400
• Higher-risk drivers with serious driving violations could pay at least $2,506 or more
• The price with full coverage for a 16-year-old driver can be $4,538 each year

View Chart as Image

Insurance prices for a Mazda CX-5 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,570 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, and prices may be quite different between companies.

How to Buy Affordable Mazda CX-5 Insurance

Getting lower rates on insurance for a Mazda CX-5 takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $130 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,340 more every year for CX-5 insurance
• Increasing physical damage deductibles could save up to $350 each year
• Teens are charged the highest prices, costing up to $378 a month if they have full coverage

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.