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2008 Mazda CX-9 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 20, 2020

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Average insurance rates for a 2008 Mazda CX-9 are $1,052 a year for full coverage. Comprehensive insurance costs on average $184 each year, collision costs $236, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,258 or more. Teenage drivers receive the highest rates at $4,186 a year or more.

Annual premium for full coverage: $1,052

Rate estimates for 2008 Mazda CX-9 Insurance

Comprehensive $184
Collision $236
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Mazda CX-9 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,258 for a high risk driver.

Liability Only $522
Full Coverage $1,052
High Risk $2,258

View Chart as Image

2008 Mazda CX-9 insurance rates compared
Column chart showing 2008 Mazda CX-9 insurance prices range from $636 to $4,186 for full coverage

These differences show why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2008 Mazda CX-9 Insurance

Searching Companies

Confused by the crazy number of auto insurance companies? You have a lot of company. You have so many options available that it can turn into a challenge to find lower rates.

If you are paying for car insurance now, you should be able to save some money using these methods. This information will familiarize you with the best way to quote coverages and some tips to save money. Nevertheless, vehicle owners do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.

Mazda CX-9 insurance rates can be determined by these details

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes some of the items insurance companies consider when setting prices.

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Lower miles equals lower premium – The more miles you rack up on your Mazda every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance policy is rated on how each vehicle is driven. Incorrect usage on your CX-9 may be costing you.
  • Always keep insurance in force – Having an insurance coverage lapse will be a sure-fire way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Your spouse saves you money – Having a spouse actually saves money on insurance. Having a significant other means you’re more mature and statistics show married drivers get in fewer accidents.
  • Bad driving skills means higher rates – A bad driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can boost insurance rates by twenty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to keep their license.

Insurance Coverage Prices Online

There are several ways to compare Mazda CX-9 insurance coverage prices but some are more efficient than others. You can spend your afternoon talking about coverages with agents in your area, or you can utilize the internet to maximize your effort.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose which providers to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same deductibles and coverage limits for each price quote. If you enter higher or lower deductibles it’s not possible to decipher which rate is best. Quoting even small variations in insurance coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes will enable you to find lower pricing.

Cut your premium with discounts

Companies that sell car insurance don’t necessarily list every discount very clearly, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • College Student – Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount on car insurance on CX-9 insurance.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multi-car Discount – Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.

It’s important to note that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts may not be available in your area.

What is the best insurance coverage?

When buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Is my 2008 Mazda CX-9 covered for smoke damage?
  • Does insurance cover tools stolen from my truck?
  • Can my babysitter drive my car?
  • What if I total my 2008 Mazda CX-9 and owe more than it’s worth?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I rent a car in Mexico?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Free Auto Insurance Comparison

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

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Auto insurance coverage options for a Mazda CX-9

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, falling objects, a broken windshield, hitting a deer and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda CX-9.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision insurance will pay to fix damage to your CX-9 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, ambulance fees and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, structural damage, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Quote often and quote early

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

You just learned quite a bit of information on how to reduce 2008 Mazda CX-9 insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the lowest rates come from some of the smallest insurance companies.

Cost effective insurance can be sourced on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

For more information, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Mazda CX-9 Insurance Rates by City
City Premium
New York City, NY $1,662
Los Angeles, CA $1,797
Philadelphia, PA $1,406
Jacksonville, FL $1,527
Phoenix, AZ $1,221
Chicago, IL $1,411
Houston, TX $1,648
Seattle, WA $1,026
Columbus, OH $876
Indianapolis, IN $893

Need a specific model?

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Rates by Driver Age

2008 Mazda CX-9 Insurance Rates by Driver Age
Driver Age Premium
16 $4,186
20 $2,394
30 $1,072
40 $1,052
50 $964
60 $944

Full coverage, $500 deductibles

Rates by Deductible

2008 Mazda CX-9 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,232
$250 $1,150
$500 $1,052
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-9 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,052
50/100 $1,147
100/300 $1,265
250/500 $1,573
100 CSL $1,194
300 CSL $1,455
500 CSL $1,645

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Mazda CX-9 Insurance Rates for High Risk Drivers
Age Premium
16 $5,902
20 $3,818
30 $2,278
40 $2,258
50 $2,158
60 $2,134

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $65
5-yr Claim Free $66
Paid in Full/EFT $39
Advance Quote $46
Online Quote $72
Total Discounts $416
Rate after discounts $636

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Mazda CX-9 Insurance Rates by State
State Premium
Alabama $950
Alaska $806
Arizona $872
Arkansas $1,052
California $1,198
Colorado $1,004
Connecticut $1,082
Delaware $1,190
Florida $1,316
Georgia $970
Hawaii $756
Idaho $710
Illinois $784
Indiana $790
Iowa $710
Kansas $1,000
Kentucky $1,434
Louisiana $1,554
Maine $650
Maryland $866
Massachusetts $842
Michigan $1,828
Minnesota $880
Mississippi $1,258
Missouri $934
Montana $1,130
Nebraska $828
Nevada $1,260
New Hampshire $756
New Jersey $1,176
New Mexico $930
New York $1,108
North Carolina $606
North Dakota $860
Ohio $724
Oklahoma $1,080
Oregon $962
Pennsylvania $1,004
Rhode Island $1,402
South Carolina $952
South Dakota $888
Tennessee $920
Texas $1,268
Utah $778
Vermont $722
Virginia $630
Washington $814
West Virginia $962
Wisconsin $730
Wyoming $938

Free Auto Insurance Comparison

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

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