Mazda CX-50 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a Mazda CX-50 are $1,492 every 12 months for full coverage insurance. Comprehensive costs an estimated $336 each year, collision costs $626, and liability is $372. Liability-only insurance costs around $438 a year, with high-risk driver insurance costing around $3,228. 16-year-old drivers cost the most to insure at $5,458 a year or more.
Average premium for full coverage: $1,492
Policy rates broken down by type of insurance:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and CX-50 models.
Price Range Variability
For a driver around age 40, Mazda CX-50 insurance rates go from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $3,228 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using rate averages.
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.
Additional Rate Details
The chart below illustrates estimated Mazda CX-50 insurance rates for other coverage scenarios.
- The best full coverage rate is $850
- Raising to $1,000 deductibles will save approximately $220 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,492
- Buying low deductibles increases the price to $1,916
- At-risk drivers with multiple tickets or accidents could pay up to $3,228 or more
- Policy cost to insure a teen driver can cost as much as $5,458
Auto insurance rates for a Mazda CX-50 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $650 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Mazda CX-50 insurance prices. A middle-age driver might find rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,010 on average in Florida, 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda CX-50 | $306 | $596 | $398 | $1,458 |
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 Shop for the Cheapest Mazda CX-50 Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a recap of the car insurance concepts covered above.
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,740 more annually than a driver with a clean driving record
- It is possible to save approximately $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- Policyholders who want additional liability coverage will pay around $410 annually to raise from a 30/60 limit to a 250/500 level
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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