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Are Mazda CX-5s Expensive to Insure? [Rates + Cheap Coverage Guide]

Average Mazda CX-5 auto insurance rates cost $115 per month ($1,384 per year). Finding Mazda CX-5 teenager insurance coverage can cost on average $5,059 a year, so shop around to find cheap rates.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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Key takeaways:

  • Full coverage costs around $1,384 a year or $115 each month
  • A liability-only policy costs around $555 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,059 a year or $422 each month
  • Good drivers can save as much as $571 a year by earning policy discounts
  • Mazda CX-5 insurance costs around $135 less per year than the average vehicle

Mazda CX-5 insurance rates cost about $135 less than the average vehicle with full coverage costing around $1,384 a year or $115 a month. Good drivers can save up to $571 a year with policy discounts from remaining claim-free. Let’s take a look at Mazda CX-5 insurance rates, safety ratings, and more.

You can start comparing quotes for Mazda CX-5 car insurance rates from some of the best car insurance companies by using our free online tool now.

Mazda CX-5 Insurance Cost

The average car insurance costs for a Mazda CX-5 are $1,384 a year or $115 a month.

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Are Mazda CX-5s Expensive to Insure?

The chart below details how Mazda CX-5 insurance rates compare to other crossovers like the Kia Niro, Lincoln MKC, and Audi SQ5.

Vehicle Comprehensive Collision Liability Total
Mazda CX-5 $322 $532 $372 $1,384
Kia Niro $282 $478 $398 $1,316
Lincoln MKC $306 $596 $398 $1,458
Audi SQ5 $394 $774 $264 $1,542
BMW X6 $432 $834 $398 $1,822
Honda CR-V $280 $408 $316 $1,140
Ford Escape $280 $438 $316 $1,170

However, there are a few things you can do to find the cheapest Mazda insurance rates online.

What Impacts the Cost of Mazda CX-5 Insurance?

The Mazda CX-5 trim and model you choose can impact the total price you will pay for Mazda CX-5 insurance coverage.

Age of the Vehicle

Older Mazda CX-5 models generally cost less to insure. For example, car insurance rates for a 2020 Mazda CX-5 are $1,384, while 2013 Mazda CX-5 rates are $1,254, a difference of $130.

Model Year Comprehensive Collision Liability Total
2020 Mazda CX-5 $322 $532 $372 $1,384
2019 Mazda CX-5 $306 $512 $390 $1,366
2018 Mazda CX-5 $294 $506 $398 $1,356
2017 Mazda CX-5 $284 $494 $416 $1,352
2016 Mazda CX-5 $274 $474 $430 $1,336
2015 Mazda CX-5 $260 $458 $442 $1,318
2014 Mazda CX-5 $250 $424 $452 $1,284
2013 Mazda CX-5 $240 $400 $456 $1,254

Driver Age

Driver age can have a significant impact on the cost of Mazda CX-5 auto insurance. For example, 20-year-old drivers pay approximately $1,693 each year for their Mazda CX-5 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Mazda CX-5 insurance rates. For example, drivers in New York may pay $845 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Mazda CX-5 auto insurance. Teens and drivers in their 20’s see the highest jump in their Mazda CX-5 car insurance with violations on their driving record.

Mazda CX-5 Safety Ratings

Your Mazda CX-5 auto insurance rates are tied to the Mazda CX-5’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Mazda CX-5 Crash Test Ratings

Poor Mazda CX-5 crash test ratings could mean higher Mazda CX-5 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Mazda CX-5 SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Mazda CX-5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Mazda CX-5 SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Mazda CX-5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Mazda CX-5 SUV FWD Later Release 5 stars 5 stars 5 stars 4 stars
2018 Mazda CX-5 SUV FWD Early Release 4 stars 5 stars 5 stars 4 stars
2018 Mazda CX-5 SUV AWD Later Release 5 stars 5 stars 5 stars 4 stars
2018 Mazda CX-5 SUV AWD Early Release 4 stars 5 stars 5 stars 4 stars
2017 Mazda CX-5 SUV FWD 4 stars 5 stars 5 stars 4 stars
2017 Mazda CX-5 SUV AWD 4 stars 5 stars 5 stars 4 stars
2016 Mazda CX-5 SUV FWD 4 stars 4 stars 5 stars 4 stars
2016 Mazda CX-5 SUV AWD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Mazda CX-5 Safety Features

The more safety features you have on your Mazda CX-5, the more likely it is that you can earn a discount. The Mazda CX-5’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Mazda CX-5 Insurance Loss Probability

The Mazda CX-5’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Mazda CX-5, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision -34%
Property Damage -12%
Comprehensive -15%
Personal Injury -21%
Medical Payment -17%
Bodily Injury -24%
Source: Insurance Institute for Highway Safety

Mazda CX-5 Finance and Insurance Cost

If you are financing a Mazda CX-5, you will pay more if you purchase Mazda CX-5 car insurance at the dealership, so be sure to shop around and compare Mazda CX-5 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Mazda CX-5 Insurance

Drivers can end up saving more money on their Mazda CX-5 car insurance rates by employing any one of the following strategies.

  • Take Advantage of Referral Fees
  • Consider Ride Sharing Services to Lower Your Mazda CX-5 Mileage
  • Buy a Dashcam for Your Mazda CX-5
  • Choose Automatic Payments or EFT for Your Mazda CX-5 Insurance Policy
  • Wait Six Years for Accidents to Disappear from Your Record

Top Mazda CX-5 Insurance Companies

Who is the best company for Mazda CX-5 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mazda CX-5 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mazda CX-5 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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