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 auto insurance rates for a Mazda CX-5 are $1,138 annually with full coverage. Comprehensive costs approximately $206 a year, collision costs $310, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing around $2,456. Teen drivers receive the highest rates at $4,464 a year or more.

Average premium for full coverage: $1,138

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and CX-5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $678
• Choosing higher $1,000 deductibles can save $1,022 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,138
• Choosing low $100 deductibles for comp and collision coverage will cost $1,364
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,456 or more
• The cost with full coverage for a 16-year-old driver can cost $4,464 each year

View Chart as Image

Insurance rates for a Mazda CX-5 can also vary considerably based on the trim level of your CX-5, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $350 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Mazda CX-5 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.

How to Buy the Cheapest Mazda CX-5 Insurance

Saving money on insurance for a Mazda CX-5 takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a recap of the concepts that were touched on in this article.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,320 more per year to insure their CX-5
• Teen drivers are the costliest to insure, with premiums as much as $372 per month if they have full coverage
• You may be able to save around $130 per year simply by quoting early and online
• Increasing deductibles could save up to $350 each year
• You may be able to save around $130 per year simply by quoting early and online

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.