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 $1,162 every 12 months including full coverage. Comprehensive costs on average $214 a year, collision insurance costs $330, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,506. 16-year-old drivers pay the highest rates at up to $4,538 a year.

Average premium for full coverage: $1,162

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $689
• Using higher $1,000 deductibles will save around $1,038 every year
• The average price for the average middle-age driver with $500 deductibles is $1,162
• Buying low $100 deductibles for physical damage coverage increases the price to $1,400
• Drivers with multiple tickets or accidents could pay upwards of $2,506
• The price to insure a teen driver may cost $4,538 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $370 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 134% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Mazda CX-5 insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,660 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Right Mazda CX-5 Insurance

Getting lower rates on car insurance requires having a good driving record, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save as much as $130 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $350 each year
• Drivers age 20 and younger pay higher prices, possibly costing $378 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,340 more each year to buy Mazda CX-5 insurance

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.