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 rates for a Mazda CX-5 are $1,138 a year for full coverage insurance. Comprehensive insurance costs approximately $206, collision insurance costs $310, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,456 or more. Teen drivers pay the highest rates at up to $4,464 a year.

Average premium for full coverage: $1,138

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all CX-5 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location, instead of using price averages.

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

Detailed Rate Analysis

The chart below illustrates average Mazda CX-5 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $678
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,138
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $226 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,456
• The price that insures a teen driver for full coverage can cost $4,464 a year

View Chart as Image

Car insurance prices for a Mazda CX-5 are also quite variable based on the model of your CX-5, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Mazda CX-5 insurance for high-risk drivers can cost as much as 43% to 137% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Mazda CX-5 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Mazda CX-5 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Shop around every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below is a review of the information touched on in the above illustrations.

• It is possible to save around $130 per year just by quoting online well ahead of the renewal date
• Teenage drivers pay the highest auto insurance prices, as much as $372 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $350 each year
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,320 more per year for auto insurance
• Policyholders who purchase higher levels of liability will pay about $510 annually to go from a low limit to the 250/500 level

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.