Mazda CX-50 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Mazda CX-50 are $1,492 annually including full coverage. Comprehensive costs an estimated $336 a year, collision costs $626, and liability coverage is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing around $3,228. Teenage drivers receive the highest rates at $5,458 a year or more.
Average premium for full coverage: $1,492
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and CX-50 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $438 for your basic liability-only policy to a high of $3,228 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location impacts insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Mazda CX-50 insurance rates for other coverage scenarios.
- The best discount rate is $850
- Raising to $1,000 deductibles will save approximately $1,272 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,492
- Using low $100 deductibles will cost $1,916
- Unlucky drivers who are prone to accidents and violations could pay up to $3,228 or more
- The cost with full coverage for a teenage driver can cost as much as $5,458
Insurance rates for a Mazda CX-50 can also vary considerably based on the trim level of your CX-50, your driving characteristics, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $650 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mazda CX-50 insurance rates. A middle-age driver might find rates as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,346 | -$146 | -9.8% |
| Alaska | $1,146 | -$346 | -23.2% |
| Arizona | $1,236 | -$256 | -17.2% |
| Arkansas | $1,492 | -$0 | 0.0% |
| California | $1,698 | $206 | 13.8% |
| Colorado | $1,424 | -$68 | -4.6% |
| Connecticut | $1,532 | $40 | 2.7% |
| Delaware | $1,690 | $198 | 13.3% |
| Florida | $1,866 | $374 | 25.1% |
| Georgia | $1,378 | -$114 | -7.6% |
| Hawaii | $1,070 | -$422 | -28.3% |
| Idaho | $1,010 | -$482 | -32.3% |
| Illinois | $1,112 | -$380 | -25.5% |
| Indiana | $1,122 | -$370 | -24.8% |
| Iowa | $1,006 | -$486 | -32.6% |
| Kansas | $1,418 | -$74 | -5.0% |
| Kentucky | $2,034 | $542 | 36.3% |
| Louisiana | $2,208 | $716 | 48.0% |
| Maine | $920 | -$572 | -38.3% |
| Maryland | $1,230 | -$262 | -17.6% |
| Massachusetts | $1,194 | -$298 | -20.0% |
| Michigan | $2,590 | $1,098 | 73.6% |
| Minnesota | $1,248 | -$244 | -16.4% |
| Mississippi | $1,786 | $294 | 19.7% |
| Missouri | $1,322 | -$170 | -11.4% |
| Montana | $1,602 | $110 | 7.4% |
| Nebraska | $1,176 | -$316 | -21.2% |
| Nevada | $1,788 | $296 | 19.8% |
| New Hampshire | $1,074 | -$418 | -28.0% |
| New Jersey | $1,666 | $174 | 11.7% |
| New Mexico | $1,320 | -$172 | -11.5% |
| New York | $1,570 | $78 | 5.2% |
| North Carolina | $858 | -$634 | -42.5% |
| North Dakota | $1,220 | -$272 | -18.2% |
| Ohio | $1,030 | -$462 | -31.0% |
| Oklahoma | $1,532 | $40 | 2.7% |
| Oregon | $1,366 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$68 | -4.6% |
| Rhode Island | $1,990 | $498 | 33.4% |
| South Carolina | $1,352 | -$140 | -9.4% |
| South Dakota | $1,258 | -$234 | -15.7% |
| Tennessee | $1,308 | -$184 | -12.3% |
| Texas | $1,796 | $304 | 20.4% |
| Utah | $1,104 | -$388 | -26.0% |
| Vermont | $1,022 | -$470 | -31.5% |
| Virginia | $894 | -$598 | -40.1% |
| Washington | $1,152 | -$340 | -22.8% |
| West Virginia | $1,368 | -$124 | -8.3% |
| Wisconsin | $1,032 | -$460 | -30.8% |
| Wyoming | $1,328 | -$164 | -11.0% |
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda CX-50 | $320 | $600 | $390 | $1,468 |
Rates are averaged for all Mazda CX-50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Mazda CX-50 Insurance
Saving money on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a condensed summary of the car insurance concepts touched on above.
- Drivers with multiple at-fault accidents could be forced to pay on average $1,740 more annually to buy Mazda CX-50 insurance
- You may be able to save approximately $180 per year simply by quoting early and online
- Increasing deductibles could save up to $650 each year
- Consumers who want increased levels of liability coverage will pay an extra $410 per year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,458 |
| 20 | $3,446 |
| 30 | $1,564 |
| 40 | $1,492 |
| 50 | $1,362 |
| 60 | $1,334 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,718 |
| $500 | $1,492 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,492 |
| 50/100 | $1,566 |
| 100/300 | $1,659 |
| 250/500 | $1,901 |
| 100 CSL | $1,604 |
| 300 CSL | $1,808 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,808 |
| 20 | $5,478 |
| 30 | $3,306 |
| 40 | $3,228 |
| 50 | $3,078 |
| 60 | $3,050 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $80 |
| Multi-vehicle | $77 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $107 |
| Total Discounts | $642 |
Discounts are estimated and may not be available from every company or in every state.
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