Mazda CX-50 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Estimated insurance rates for a Mazda CX-50 are $1,492 a year including full coverage. Comprehensive costs around $336 a year, collision costs $626, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $3,228. Teen drivers pay the most at $5,458 a year or more.

Average premium for full coverage: $1,492

Premium estimates for type of coverage:

Comprehensive $336
Collision $626
Liability $372

Full coverage includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and CX-50 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Mazda CX-50 go from the low end price of $438 for just the minimum liability insurance to a high of $3,228 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences highlight why it is important to compare rates quotes for a specific zip code, instead of using price 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 estimated Mazda CX-50 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $850
  • Raising to $1,000 deductibles will save about $1,272 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,492
  • Choosing low $100 deductibles bumps up the cost to $1,916
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $3,228 or more
  • An auto insurance policy that insures a teen driver can be $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

Insurance prices for a Mazda CX-50 also have a wide range based on the trim level of your CX-50, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda CX-50 insurance prices. A middle-age driver might find prices as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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

Choosing high deductibles can reduce prices by up to $650 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

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 better rates on car insurance consists of not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the material that was raised in the charts and tables above.

  • Policyholders who may need higher liability limits will pay about $410 per year to raise from 30/60 bodily injury limits to the 250/500 level
  • Teens pay higher prices, with the cost nearing $455 per month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,740 more every year for CX-50 insurance
  • Increasing policy deductibles can save approximately $650 each year

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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