Secured with SHA-256 Encryption
Select Page

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

Are Mazda CX-5s expensive to insure? The average insurance costs for a Mazda CX-5 are $115/mo or $1,384 annually. The Mazda CX-5 insurance rates are $135 less annually than the average vehicle. Affordable Mazda CX-5 car insurance doesn't have to be hard to get. You can find the best CX-5 insurance rates by comparison shopping and seeking out car insurance discounts.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Sep 18, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Highlights

  • Average full coverage rates for the Mazda CX-5s are $115 per month or $1,384 annually.
  • Teenage drivers pay the most for their Mazda CX-5 insurance rates at around $422 per month or $5,059 a year.
  • Good drivers can save as much as $571 a year on their Mazda CX-5 insurance policy by earning discounts.
  • The Mazda CX-5 insurance costs are around $135 less per year than the average vehicle.

Are Mazda CX-5s expensive to insure? The Mazda CX-5 insurance rates are about $135 less per year than the average vehicle. The average CX-5 insurance rates for a full-coverage policy are $115 per month or $1,384 annually.

Our comprehensive guide will teach you how to compare car insurance quotes for your CX-5 so you can get the best Mazda rates. For example, good drivers can save up to $571 a year with policy discounts just for being claim-free. We’ll 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 entering your five-digit ZIP code into our FREE quote tool above. This is the best way to find affordable Mazda CX-5 car insurance.

Mazda CX-5 Insurance Cost

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

Take a look at the graph below to see how your average insurance costs for a Mazda CX-5 changes based on your specific needs and driver demographics.

As you can see, the cost to own a Mazda CX-5 changes depending on what car insurance coverage level you’re interested in purchasing, how old you are, and what your driving record looks like. 

Experienced drivers with flawless driving records will always receive the most competitive rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Are Mazda CX-5s Expensive to Insure?

Why are Mazdas so expensive to insure compared to other vehicles? According to our research, the Mazda CX-5 is actually cheaper to insure than many similar cars in its class. 

See what we mean in the chart below, which details how Mazda CX-5 insurance rates compare to other crossovers.

Mazda CX-5 Average Annual Auto Insurance Rates Compared to Similar Vehicles
VehicleComprehensiveCollisionLiabilityTotal
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
Get Your Rates Quote Now

The type of car you drive is not the only factor that impacts your car insurance rates. Your age, driving record, and the state you live in can cause your rates to be higher or lower. Similarly, every insurance company uses slightly different calculations to determine your premiums.

Fortunately, there are a few things you can do to find the cheapest Mazda insurance rates online. Look for discounts you qualify for, and always do some comparison shopping before choosing a policy.

What Impacts the Cost of Mazda CX-5 Insurance?

Did you know the age of your CX-5 can affect your car insurance rates? Similarly, the Mazda CX-5 trim and model you choose can impact the total price you will pay for Mazda CX-5 insurance coverage. Keep reading to see what we mean.

Age of Your Mazda CX-5 and Your Car Insurance Rates

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.

Find your Mazda model year in the table below.

Mazda CX-5 Average Annual Auto Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal
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
Get Your Rates Quote Now

As you can see, the 2018 Mazda CX-5 cost to own and insure is slightly higher than the 2016 Mazda CX-5 insurance cost. Older models usually cost less to insure because they are cheaper to fix and replace than newer models.

Driver Age and Car Insurance Rates

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.

See what we mean in the graph below.

Younger drivers have less experience and are more likely to cause traffic accidents. Therefore, teenage drivers pay more for auto insurance than older, more experienced drivers. 

If you’re a young driver looking for the best auto insurance for teens, always ask about good student discounts to help lower your rates.

Driver Location and Car Insurance Rates

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.

Check out how the car insurance rates for the Mazda CX-5 change by major U.S. city in the chart below.

If you live in a city with a high population density, your chances of getting into an accident increases. Therefore, insurance rates are higher in larger metropolitan areas. 

Your Driving Record and Your Car Insurance Rates

Your driving record can have a major impact on the cost of your 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.

See what we mean in the graph below.

Even a single speeding ticket can cause your rates to skyrocket. Safe driving always pays off. Not only does it save lives, but you might also qualify for safe driver discounts.

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 for the 2020 Mazda CX-5 safety ratings below.

2020 Mazda CX-5 Safety Ratings
Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Get Your Rates Quote Now

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. This vehicle is one of the 2020 top safety picks plus, which means the headlights also received stellar ratings. This will reflect positively in your car insurance rates.

Not every model year receives the same safety ratings. For example, the 2014 Mazda CX-5 safety rating might be different from the 2016 Mazda CX-5 safety ratings.

Therefore, we always recommend looking at the safety ratings for your specific CX-5 model for the most accuracy.

The Mazda CX-5 Crash Test Ratings Impact on Car Insurance Rates

Similar to the safety ratings, crash test ratings are also looked at when determining your car insurance rates. Poor Mazda CX-5 crash test ratings could mean higher Mazda CX-5 car insurance rates.

See how different CX-5 models and trims fared in the table below.

Mazda CX-5 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Mazda CX-5 SUV FWD5 stars5 stars5 stars4 stars
2020 Mazda CX-5 SUV AWD5 stars5 stars5 stars4 stars
2019 Mazda CX-5 SUV FWD5 stars5 stars5 stars4 stars
2019 Mazda CX-5 SUV AWD5 stars5 stars5 stars4 stars
2018 Mazda CX-5 SUV FWD Later Release5 stars5 stars5 stars4 stars
2018 Mazda CX-5 SUV FWD Early Release4 stars5 stars5 stars4 stars
2018 Mazda CX-5 SUV AWD Later Release5 stars5 stars5 stars4 stars
2018 Mazda CX-5 SUV AWD Early Release4 stars5 stars5 stars4 stars
2017 Mazda CX-5 SUV FWD4 stars5 stars5 stars4 stars
2017 Mazda CX-5 SUV AWD4 stars5 stars5 stars4 stars
2016 Mazda CX-5 SUV FWD4 stars4 stars5 stars4 stars
2016 Mazda CX-5 SUV AWD4 stars4 stars5 stars4 stars
Get Your Rates Quote Now

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. As you can see, each model year and trim type receives different crash test results.

Check out a video of the 2015 Mazda CX-5 crash test from the Insurance Institute for Highway Safety below.

Remember, these 2015 results are different than the 2013 Mazda CX-5 crash test results, which are also not the same as the 2016 Mazda CX-5 crash test ratings. Be sure to look up the crash test results for your specific Mazda CX-5 model year.

Mazda CX-5 Safety Features and Car Insurance Rates

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

If your Mazda CX-5 has additional safety features, be sure to ask about car insurance discounts. You may be able to save on your annual premiums.

Mazda CX-5 Insurance Loss Probability and Car Insurance Rates

Looking at your vehicle’s insurance loss ratios can help you see if the car you drive is positively or negatively impacting your car insurance rates. The Mazda CX-5’s insurance loss ratio varies between different coverage types.

Take a look at the details in the table below.

Mazda CX-5 Insurance Loss Ratios
Insurance Coverage CategoryLoss Rate
Collision-34%
Property damage-12%
Comprehensive-15%
Personal injury-21%
Medical payment-17%
Bodily injury-24%
Get Your Rates Quote Now

While some types of insurance loss ratios are higher for the Mazda CX-5, others are more favorable and lead to lower insurance rates.

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. 

Be sure to shop around and compare Mazda CX-5 car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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. The savings can start to add up. Also, consider ride-sharing services to lower your Mazda CX-5 mileage. Driving less can help keep your rates low.

Buy a dashcam for Your Mazda CX-5. Adding additional or optional safety features to your vehicle can help you qualify for more discounts.

You might also choose automatic payments, also known as EFT, for Your Mazda CX-5 insurance policy. Some companies reward customers for going paperless with discounts.

If you have a messy driving record, wait four to six years for accidents to disappear from your record. As long as you practice safe driving and avoid any incidents, your rates will go down.

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.

Mazda CX-5 Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
Get Your Rates Quote Now

Many of these companies offer discounts for security systems and other safety features that the Mazda CX-5 offers. 

For a visual representation of the data from the table above, take a look at the following graph. It also shows the same car insurance companies based on market share.

You can trust that these companies will be able to close out your claims even in the event of an economic downturn. Be sure to also look up customer reviews and experiences as well.

Compare Free Mazda CX-5 Insurance Quotes Online

You are now an expert on securing cheap Mazda CX-5 insurance rates. Are you ready to buy Mazda CX-5 car insurance? Enter your five-digit ZIP code into our FREE quote comparison tool below to save money on your Mazda CX-5 insurance premiums.

References:

  1. https://www.iihs.org/ratings/vehicle/mazda/cx-5-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2019/MAZDA/CX-5/SUV/FWD

 

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.

Leave a Rating

Your email address will not be published. Required fields are marked *