Mazda CX-50 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Mazda CX-50 are $1,492 a year including full coverage. Comprehensive costs on average $336 a year, collision costs $626, and liability is $372. A liability-only policy costs around $438 a year, with high-risk 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 by type of insurance:

Comprehensive $336
Collision $626
Liability $372

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and CX-50 trim levels.

Price Range Variability

For the normal driver, Mazda CX-50 insurance rates go from as low as $438 for a discount liability-only rate to a high of $3,228 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,492
High Risk $3,228

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $1,119
Small Cities $1,567
Large Cities $2,014

The examples above highlight why it is important to compare rates quotes based on a specific location and risk profile, 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.

Rates by State, City, and Model

The chart below breaks down estimated Mazda CX-50 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $850
  • Raising to $1,000 deductibles will save around $1,272 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,492
  • Buying low $100 deductibles will increase the cost to $1,916
  • At-risk drivers with multiple tickets or accidents could pay upwards of $3,228 or more
  • Policy cost for full coverage for a teen driver may cost $5,458

View Chart as Image

Mazda CX-50 insurance cost comparison chart
Column chart showing full coverage Mazda CX-50 insurance rates range from $850 to $5,458

Car insurance rates for a Mazda CX-50 also range considerably based on your risk profile, the model of your CX-50, and policy deductibles and limits.

Older drivers with no driving violations and high 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, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Your home state also has a big influence on Mazda CX-50 insurance prices. A middle-age driver might find rates as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,130 on average in Michigan, New York, and Louisiana.

Mazda CX-50 Insurance Rates by State
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%

View Chart as Image

Mazda CX-50 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $650 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Mazda CX-50 Insurance Rates by Model Year
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 More Affordable Mazda CX-50 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the car insurance concepts presented in the illustrations above.

  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,740 more each year to insure their CX-50
  • You may be able to save as much as $180 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $650 each year
  • Policyholders who require more liability coverage will pay around $410 per year to raise from a 30/60 limit to 250/500 limits

Rates by Driver Age

Mazda CX-50 Insurance 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

Mazda CX-50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-50 Insurance Rates with Different Liability Limits
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

Mazda CX-50 Insurance 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.

SR-22 Surcharge $209

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
Rate after discounts $850

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

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