Mazda CX-5 Insurance

Insuring your Mazda CX-5

(And how to get the lowest premiums.)

Mazda CX-5

You need the right kind of car insurance for your Mazda CX-5 with personalized service and the best rates. There's no better place to get everything you need than a local independent insurance agent. They can get multiple quotes for you so you'll know you are getting the best possible rates. An agent can even recommend the types and amounts of insurance that could benefit you most. 

Not sure where to look? 

You can use this find-an-agent tool to be matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Mazda CX-5. 

What Kind of Insurance Do You Need for Your Mazda CX-5?

Bodily Injury Liability

Bodily injury liability insurance pays the bills associated with recovery from an accident that you caused. It's legally required that you carry minimum amounts of this insurance in most states. 

Property Damage Liability

You may also be required to carry a certain minimum amount of property damage liability, depending on where you live. Your agent can help you understand how to figure out the right level of this insurance for your needs. 

Medical Payments/Personal Injury Protection

Medical payments and personal injury protection insurance availability varies according to your home state. In some areas, you must carry one or the other of this insurance type. If you are in an accident while driving your Mazda, this policy covers medical bills and the related costs of recovery for you and your passengers. 

Uninsured Motorist Coverage

While it's illegal in most areas of the country to drive without insurance, many people still do so. If you are in an accident with someone who doesn't have the right amounts or type of insurance, you may be left with the bill. Uninsured and underinsured motorist coverage offers protection that helps pay for repairs to your vehicle if you are in an accident with someone who isn't properly insured.

Optional Coverage:

Collision

Collision insurance coverage repairs or replaces your Mazda if you are in an accident with another vehicle or if you hit something. Depending on the value of your vehicle, it may not make sense to carry this optional coverage. Your agent can help you weigh the pros and cons. 

Comprehensive

If an animal or falling object causes damage to your vehicle, comprehensive insurance coverage may cover the repair bill. You'll pay the deductible and the insurance company will handle the bill, up to the value of your Mazda. 

Glass Coverage

In many places, it's illegal to drive with a broken windshield, but this type of repair can be expensive. Adding a zero-deductible glass coverage policy to your auto insurance costs just a few dollars each month. 

Gap Insurance

If you purchased a new Mazda or rolled the balance on your previous car into a new loan, you may owe more on your CX-5 than it's worth. Talk with your agent about whether adding gap insurance makes sense for your situation. 

What Affects the Cost of Insurance for Your Mazda CX-5?

Annual Mileage: If you plan to drive your Mazda CX-5 more than 10,000 to 15,000 miles per year, expect to pay slightly higher insurance premiums. 

Your Driving Record: Drivers without accidents or moving violations on their driving record pay as much as 40% less for auto insurance than those who've had at-fault accidents or speeding tickets. 

The Value of Your Vehicle: Newer and high-end cars cost more to insure because they cost more to fix or replace than older or less expensive vehicles. 

Average Mazda CX-5 Insurance Costs

A 40-year-old Mazda CX-5 driver pays an average of $1,384 each year for full coverage auto insurance. With liability-only coverage, rates drop to an average of $372 per year. A 16-year-old driver pays a much higher average insurance rate of $5,074 per year. 

Your agent can help you figure out which factors most heavily influence your rates, and how to design an insurance package to meet your financial needs. 

The Safety of Your Mazda CX-5

The NHTSA gave the 2020 Mazda CX-5 with all-wheel-drive and front-wheel-drive five-star safety ratings. Here are a few key safety features that come standard on all new Mazda CX-5s:

  • Forward collision warning
  • Lane departure warning
  • Crash imminent braking
  • Dynamic brake support

How Location Affects Your Mazda CX-5 Insurance 

Your car insurance premiums are influenced by your geographical location. So it's important to reach out to your independent insurance agent to find out which companies offer the best combination of rates and coverage in your area. 

Here's how insurance rates may differ for a 40-year-old driver with a great driving record and $500 deductibles on their full coverage CX-5 policy:

Los Angeles, CA:Chicago, IL: Columbus, OH:
$2,364$1,858$1,154

Additional Factors That Affect Your Mazda CX-5 Insurance Premiums

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Mazda CX-5

Average annual cost to insure a Mazda CX-5 with full coverage:$1,384
Teens:$5,074
High-Risk Drivers:$2,976
High Deductibles:$1,188
Low Deductibles:$1,756
Top 3 most expensive states for Mazda CX-5 insurance:
Louisiana, New York, and Michigan$1,980
Top 3 most affordable states for Mazda CX-5 insurance: 
Vermont, New Hampshire, and Missouri$1,060

Top Independent Insurance Carriers That Insure the Mazda CX-5

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

Get a Mazda CX-5 Quote

Get the Mazda CX-5 insurance you need at a great price with the help of an independent insurance agent. Use the TrustedChoice.com find-an-agent tool to find an agent in your area who understands the local laws about auto insurance and can get multiple quotes. Get started right away by reaching out to an agent, today. 


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TrustedChoice.com Article | Reviewed by Greg Safford

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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver