Mazda CX-50 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 including full coverage. Comprehensive insurance costs approximately $336 a year, collision insurance costs $626, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $3,228 or more. 16-year-old drivers pay the highest rates at up to $5,458 a year.
Average premium for full coverage: $1,492
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and CX-50 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Mazda CX-50 insurance prices range from the low end price of $438 for just the minimum liability insurance to a high of $3,228 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why it is important to compare rates using their specific location, rather than relying on 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 Analysis
The chart below breaks down average Mazda CX-50 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $850
- Drivers who choose higher $1,000 deductibles will pay $1,272 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,492
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $424 a year
- High risk drivers with multiple tickets or accidents could pay around $3,228
- The price that insures a teen driver can cost $5,458 a year
Auto insurance prices for a Mazda CX-50 are also quite variable based on the trim level of your CX-50, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age
The state you live in makes a big difference in Mazda CX-50 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or at least $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% |
Opting for high physical damage deductibles could save up to $650 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
| 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 Mazda CX-50 Insurance
Getting lower rates on Mazda CX-50 insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Comparison shop once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
Below is a brief recap of the data that was raised in the charts and tables above.
- You may be able to save around $180 per year just by quoting early and online
- Drivers who purchase higher levels of liability will pay around $410 per year to go from a low limit to the 250/500 level
- Teenage drivers have the highest car insurance prices, possibly costing $455 a month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations will likely pay on average $1,740 more per year for auto insurance
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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