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.

Estimated insurance rates for a Mazda CX-5 are $1,162 a year including full coverage. Comprehensive insurance costs on average $214, collision costs $330, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,506 or more. 16-year-old drivers pay the most at $4,538 a year or more.

Average premium for full coverage: $1,162

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different CX-5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $689
• Drivers who choose higher $1,000 deductibles will pay around $124 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,162
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $238 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,506 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,538 a year

View Chart as Image

Auto insurance prices for a Mazda CX-5 also have a wide range based on your driving characteristics, the model of your CX-5, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay 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

Opting for high physical damage deductibles could save up to $370 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 42% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

How to Find Cheaper Mazda CX-5 Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the information presented in the illustrations above.

• You may be able to save as much as $130 per year simply by shopping early and online
• Teen drivers are charged the highest prices, with the cost nearing $378 per month if they have full coverage
• Increasing policy deductibles can save around $350 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,340 more each year to insure their CX-5
• Policyholders who require more liability coverage will pay around $510 per year to go from 30/60 bodily injury limits to 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.