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.

The average insurance rates for a Mazda CX-5 are $1,138 a year for full coverage. Comprehensive insurance costs approximately $206, collision costs $310, and liability costs $464. Liability-only coverage costs as little as $514 a year, with high-risk coverage costing $2,456 or more. Teenage drivers cost the most to insure at $4,464 a year or more.

Average premium for full coverage: $1,138

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay $116 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,138
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $226 annually
• Drivers who are prone to accidents and violations could pay around $2,456 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,464 a year

View Chart as Image

Insurance rates for a Mazda CX-5 also range considerably based on your risk profile, the trim level of your CX-5, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,630 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $350 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost from 43% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find the Right Mazda CX-5 Insurance

Finding cheaper rates on insurance for a Mazda CX-5 not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick rundown of the data that was touched on in this article.

• Drivers can save around $130 per year simply by shopping early and online
• Insureds who purchase increased levels of liability coverage will pay an extra $510 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, costing up to $372 each month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,320 more per 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.