Mazda CX-50 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Mazda CX-50 are $1,492 a year for full coverage. Comprehensive insurance costs an estimated $336, collision costs $626, and liability costs around $372. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $3,228 or more. Teens pay the highest rates at $5,458 a year or more.
Average premium for full coverage: $1,492
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all CX-50 models.
Price Range from Low to High
For the average driver, Mazda CX-50 insurance prices go from as low as $438 for your basic liability-only policy to the much higher price of $3,228 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how location impacts insurance prices.
The ranges above show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.
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 shows estimated Mazda CX-50 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $850
- Using higher $1,000 deductibles will save approximately $220 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,492
- Selecting pricier low deductibles for physical damage coverage will cost an extra $424 annually
- High-risk insureds with serious driving violations could pay up to $3,228 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $5,458 or more
Auto insurance prices for a Mazda CX-50 are also quite variable based on your driving record, the trim level of your CX-50, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age
The state you live in has a huge impact on Mazda CX-50 insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,130 on average in New York, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $650 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,800 to $2,400 in extra premium each year, depending on your age. Mazda CX-50 insurance for high-risk drivers can be from 44% to 135% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.
| 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 Find the Best Cheap Mazda CX-50 Insurance
Getting lower rates on insurance for a Mazda CX-50 requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a quick review of the car insurance concepts touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,740 more annually to insure their CX-50
- Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $650 each year
- Insureds who want more liability coverage will pay approximately $410 each year to increase from a low limit to 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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