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 insurance rates for a Mazda CX-5 are $1,162 a year for full coverage insurance. Comprehensive costs on average $214 each year, collision costs $330, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,506. Teenage drivers receive the highest rates at $4,538 a year or more.

Average premium for full coverage: $1,162

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and CX-5 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

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

These examples illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $689
• Drivers who choose higher $1,000 deductibles will pay around $124 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,162
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,400
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,506 or more
• The cost for full coverage for a teenage driver may cost $4,538 a year

View Chart as Image

Car insurance rates for a Mazda CX-5 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age

Where you live makes a big difference in Mazda CX-5 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,570 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $370 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

How to Find Affordable Mazda CX-5 Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a brief review of the coverage data covered in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting online in advance
• Increasing deductibles can save around $350 each year
• Youthful drivers are expensive to insure, costing up to $378 per month if full coverage is included
• Drivers with DUI or reckless driving convictions pay an average of $1,340 more each year than a low-risk driver

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.